OneAssure

Health Insurance

ManipalCigna

ProHealth Select

ManipalCigna Pro Health Select

88%

Claim Settlement Ratio

8,500+

Network Hospitals

6.5/10

Plan Rating

Policy Brochure

Policy Policy Wording

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Our Verdict

Expert Review: ManipalCigna ProHealth Select

Final Verdict

The ManipalCigna ProHealth Select Plan offers comprehensive coverage, including critical illness and maternity benefits. Ideal for individuals seeking flexibility and financial protection, with lifetime renewability and tax benefits under Section 80D.

About

What Is ProHealth Select?

The ManipalCigna ProHealth Select Insurance Plan offers coverage from ₹50,000 to ₹25 lakh, including hospitalization, pre- and post-hospitalization, 171 daycare treatments, domiciliary care, and ambulance services. It features a reassurance benefit, providing a two-year policy extension for critical illness or permanent disability. Optional add-ons like critical illness cover and cumulative bonus booster enhance flexibility. With lifetime renewability and tax benefits under Section 80D, this plan ensures financial security and peace of mind against medical emergencies.

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Insurer Rating

6.21

out of 10

Insurance Rating

6.5

out of 10

No Room Rent Limit

Yes

Consumables Covered

No

No Co-payment

Yes

Loyalty Bonus >= 500%

Yes

No Disease Sublimits

Yes

Unlimited Restoration

No

Additional Benefits (Informational Only — Not part of score)

PED Waiting <= 2 Years

No

Maternity Available

No

Waiting Period Waiver

Yes

Testimonials

Real People. Real Relief

These are the moments that show what we really do. We don't sell you a policy. We stand by you when it matters most.

I want to sincerely thank Sunad for being there for me throughout the entire claim process. He helped me through so many ups and downs, always patient and ready to support when things got tough. I honestly don’t know how I would have managed without his guidance and encouragement. Sunad made a difficult situation feel a lot less stressful, and I’m truly grateful for his kindness and steadfast help.

Prashant Pandey

Mumbai, Maharashtra

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.

Jatin Gala

Mumbai, Maharashtra

My heartfelt thanks to the OneAssure team for making my insurance claim process effortless. Right from the very first interaction, they demonstrated professionalism, clear communication, and an impressive command of the procedures involved. Their swift updates, timely guidance, and persistent follow-through removed all the stress from what could have been a complicated experience.

Anju Renjith

Bengaluru, Karnataka

I am truly grateful for the support and guidance I received in settling my insurance claim. The entire process was handled with great professionalism, clarity, and efficiency. Their prompt response, deep knowledge of the procedures, and consistent follow-ups ensured a smooth and hassle-free experience.Thank you once again for your invaluable help, highly recommended!

Yogesh Meena

Jaipur, Rajasthan

I recently had the pleasure of purchasing health insurance for my parents through this company, and my experience has been exceptional...The team was incredibly patient and took the time to explain every detail to me. No matter how many times I asked questions, they were always calm and thorough in their explanations. Their professionalism and dedication made a significant difference in helping me make an informed decision.

Akash Kumar

West Bengal

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Inclusions and Exclusions

ManipalCigna ProHealth Select Inclusions and Exclusions

Waiting Period

30 days waiting period is applicable for all illnesses other than accidents
24 months Specified disease/procedure waiting period
Pre-existing diseases will be covered after 48 months
A 90-day waiting period is applicable to critical illness under Re-assurance and Add On Cover (if opted)

Room Rent

Normal: Private Single Room
ICU: Covered up to Sum Insured.

Advanced Treatments

Uterine Artery Embolization and HIFU (High intensity focused ultrasound)
Balloon Sinuplasty
Deep Brain stimulation
Oral chemotherapy
Immunotherapy - Monoclonal Antibody to be given as injection

Co-payment

Co-payment of 20% is applicable on all claims for Insured Persons Aged 65 years and above irrespective of Age of entry in to the Policy.

Cashless Healthcare Providers

6500+ Network Hospitals

Daycare Treatment

Covered up to Sum Insured

AYUSH Treatment

Coverage for Ayurvedic, Yoga, Naturopathy, Unani, Siddha & Homeopathy up to Sum Insured.

Exclusions

Treatment for pre-existing diseases during the waiting period.
Illnesses occurring within the first 30 days of policy commencement.
Injuries due to self-inflicted harm, suicide attempts, or substance abuse.
Cosmetic or plastic surgery unless medically necessary.
Dental procedures unless required due to an accident.

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About the company

About ManipalCigna

ManipalCigna Health Insurance is one of the major health insurance companies in India. It is a joint venture between the Manipal Group and Cigna Corporation. The company was established in 2014 and was rebranded in 2019. It is based in Mumbai and has more than 600 cities in the whole country where it has a presence.
The insurer offers a comprehensive line of health insurance solutions, among which individual, family floater, senior citizen, critical illness, personal accident, and top-up plans are the main ones. Programs like ProHealth Prime, Lifetime Health, and Sarvah are made to cover the widest possible range of medical expenses with the sum insured starting from ₹3 lakh to going as high as ₹3 crore. Some of the inclusive features are unlimited restoration, cumulative bonuses, and even coverage for pre-existing health conditions, but only after a waiting period. Besides that, ManipalCigna caters to fitness needs of people, provides health checks, and offers maternity cover in some of their policies.
The company has more than 14500 hospitals in its network all over the country, thus it is easy for the customers to avail cashless treatment. Although its percentage of average claim settlement is 88.59%, which is just a little bit below the industry standard. However, ManipalCigna is credited with its path-breaking ideas and customer-focused strategy, among the Indian health insurance companies, which keeps it ahead of the pack.