How does the waiting period affect my coverage?

The policy has a 30-day waiting period, 24 months for specific diseases, and 36 months for pre-existing conditions.

What happens if I don’t use my health insurance benefits for the entire year?

The policy offers a 10% No Claim Bonus yearly, up to 50%, increasing coverage without extra cost.

Will my health insurance cover treatment abroad?

The policy covers treatments only in India; overseas medical expenses are not included.

OneAssure

Health Insurance

ManipalCigna

ProHealth Select

ManipalCigna Pro Health Select

Experience India's most trusted health insurance with ManipalCigna Health Insurance. Get instant cashless treatment at 35000 network hospitals with sum insured up to ₹50 lakhs.

88

Claim Settlement Ratio

35000

Network Hospitals

7.4

Customer Rating

Get a Quote

88

Claim Settlement Ratio

35000

Network Hospitals

7.4

Customer Rating

Our Verdict

Expert Review: ManipalCigna Health Insurance

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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

About ManipalCigna Health Insurance

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.

Inclusions and Exclusions

Inclusions and Exclusions of ManipalCigna Insurance Company Limited

Cashless Healthcare Providers

6500+ Network Hospitals

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.

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)

Daycare Treatment

Covered up to Sum Insured

AYUSH Treatment

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

Cashless Healthcare Providers

6500+ Network Hospitals

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

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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.
Treatment related to fertility, sterility, or pregnancy complications.
Experimental, unproven, or non-standard medical treatments.
Congenital diseases, external medical devices, and prosthetics.

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About the company

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...

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,...