Manipal Cigna Pro Health Plan
Manipal Cigna Health Insurance Company
7.4/10
OneAssure Rating
7.4/10
OneAssure Rating
Highlighted Features
Room Rent (Normal & ICU)
Covers a private single room for hospitalization, ensuring comfort and privacy. ICU charges are fully covered up to the sum insured, reducing financial burden during critical treatments.
Advanced Treatments
Includes modern medical procedures like robotic surgeries, immunotherapy, oral chemotherapy, and stem cell therapy. These advanced treatments provide cutting-edge healthcare options without additional financial stress on policyholders.
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Policy Wording
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Our 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 the Plan
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.
About the Plan
Product Stats
Rating
Features of the Product
Room Rent (Normal & ICU)
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 Periods
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)
Cashless Healthcare Providers
6500+ Network Hospitals
Day Care Treatments
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.
Treatment related to fertility, sterility, or pregnancy complications.
Experimental, unproven, or non-standard medical treatments.
Congenital diseases, external medical devices, and prosthetics.
Hospitalization solely for diagnostic purposes without treatment.
Treatment for injuries sustained from war, terrorism, or nuclear exposure.
Exclusions
Hospital Cash Benefit - Get a fixed daily cash allowance during hospitalization.
Accidental Cover Boost - Enhanced sum insured for accidental hospitalizations.
Maternity Cover Add-on - Covers maternity expenses and newborn care.
OPD Expense Coverage - Reimbursement for doctor consultations, tests, and medicines.
Critical Illness Benefit - Lump sum payout upon diagnosis of covered critical illnesses.
Add-ons
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About the Company
Manipal Cigna Health Insurance was founded in 2014. It is a joint venture between Manipal group and Cigna Corporation. The company’s headquarters is in Mumbai, India.
The company provides a wide range of health insurance products.Their offerings include individual and family health plans, critical illness coverage, and specialized policies for senior citizens. ManipalCigna's key products like ProHealth Insurance, Super Top-Up, and Prime Senior Insurance offer extensive coverage for hospitalization, wellness services, and critical health conditions. They also provide global coverage, preventive healthcare, and cashless treatment across a network of 6,500+ hospitals. The company focuses on customer-centric services, with digital tools for managing policies, claims, and renewals, enhancing convenience for policyholders.
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