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ManipalCigna ProHealth Health Insurance

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ManipalCigna Health Insurance
Pro Health
Claim Settlement Ratio88.00%
Network Hospitals8,700+
Pre-existing Disease Coverage From2 years
Pre-existing Disease Waiting Period2 years
Special BenefitsUnlimited Restoration
Starting Premium (for 5L SI)Rs. 566/month

About ManipalCigna ProHealth Health Insurance

ProHealth Policy offered by ManipalCigna Health Insurance is a comprehensive medical insurance solution for your illness as it is loaded with basic covers, value-added covers, and optional covers. The policy comes in different variants which you can choose as per your requirements. These are ProHealth Preferred, ProHealth Plus, ProHealth Premier, ProHealth Accumulate, and ProHealth Protect. These variants differ in terms of coverage benefits as well as sum insured options. Read on to learn more about the ManipalCigna Pro Health Insurance Plan.

ManipalCigna Pro Health Insurance Plan At a Glance


Family and Individual


Reduction in maternity waiting period, Daily hospital cash, Co-payment waiver


Preferred, Plus, Premier, Protect, and Accumulate

Key features

5 Variants, Comprehensive Coverage, etc


Pre and post hospitalisation expenses, Daycare procedures, Domiciliary treatment, etc


Any unproven treatment, Infertility treatment, Weight-control treatment

Key Features of ManipalCigna Pro Health Insurance Plan

Listed below are some of the key features of the ManipalCigna Pro Health Insurance Plan:

  • Family and Individual Plan: You can purchase the ManipalCigna Pro Health Insurance Plan on an individual or family floater basis for a term of 1 year, 2 years, or 3 years as per your requirement and budget. If covered on an individual basis, you can include a legally wedded spouse, children, parents, siblings, son-in-law and daughter-in-law, parents-in-law, grandparents and grandchildren, uncle, aunt, nephew and niece apart from self under this policy. Whereas, if covered on a family floater basis, you can include spouse, children, and parents apart from self. You can insure a maximum of 2 adults and 3 children under a single policy.
  • Variant: The ManipalCigna Pro Health Insurance Plan is available in different variants such as Protect, Plus, Preferred, Premier, and, Accumulate. Depending on the variant you choose, you will get the relevant coverage.
  • Coverage: Some basic coverage benefits offered under the ProHealth Policy include cover for in-patient hospitalisation expenses, pre-hospitalisation and post-hospitalisation expenses, daycare treatment, domiciliary treatment, ambulance cover, AYUSH cover, in-patient hospitalisation expenses incurred by the organ donor, etc. Apart from the basic coverage benefits, the policy also offers several value-added benefits to the insured, some of which include health rewards, health check-ups, expert opinions on critical illnesses, and cumulative bonuses amongst others.
  • Add-ons: In case you want more coverage benefits, then you can opt for several coverage benefits that the ManipalCigna Pro Health Insurance Plan offers, some of which include voluntary copay, waiver of mandatory co-pay, cumulative bonus booster, and deductible.

Eligibility Criteria of ManipalCigna Pro Health Insurance Plan

Here are the eligibility criteria for the ManipalCigna Pro Health Insurance plan:


Eligibility Criteria

Minimum entry age for child

91 days

Maximum entry age for child

23 years

Minimum entry age for adult

18 years

Maximum entry age for adult

No limit

Policy year

1, 2, or 3 year

Benefits of Buying ManipalCigna Pro Health Insurance Plan

Some of the reasons why you should buy the ManipalCigna Pro Health Insurance Plan are as follows:

  • Flexibility: The ManipalCigna Pro Health Insurance Plan offers policyholders the flexibility to choose from 5 different variants. The available variant options with this policy include Plus, Preferred, Premier, Accumulate, and Protect. Depending on your budget and coverage requirements, you can choose a variant of your choice.
  • Unlimited Restoration Benefit: With the ManipalCigna Pro Health Insurance Plan, you will also enjoy unlimited restoration benefits. This plan provides 100% restoration benefits which means the sum insured will be restored in case the health insurance gets claimed.
  • Comprehensive Coverage: The ManipalCigna Pro Health Insurance Plan provides comprehensive health insurance coverage of up to Rs. 1 crore.
  • Medical Check-ups: The ManiapCigna Pro Health insurance plan also provides annual health check-ups and wellness program benefits.
  • Family Discount: The ManipalCigna Pro Health Insurance Plan also provides discounts on buying a family plan. A maximum discount of 10% is given for family floater plans.
  • Maternity Coverage: The ManipalCigna Pro Health Insurance Plan provides coverage for maternity-related and newborn expenses. Under this, you can get financial assistance of up to Rs. 1 lakh for normal delivery and up to Rs. 2 lakhs for cesarean delivery. You will also get coverage for vaccination expenses with this plan.
  • Health Reward Points: The ManipalCigna Pro Health Insurance Plan provides discounts to policyholders who lead a healthy lifestyle. A discount of 20% is given on health insurance premiums.

Variants Available with ManipalCigna Pro Health Insurance Plan

You can choose from five variants with the ManipalCigna Pro Health Insurance Plan Preferred, Plus, Premier, Accumulate, and Protect.







Sum insured

Rs. 2.5 - 50 lakhs

Rs. 4.5 - 50 lakhs

Rs. 15 - 50 lakhs

Rs. 1 crore

Rs. 5.5 - 50 lakhs

Daily hospital cash

Rs. 1000

Rs. 2000

Rs. 3000

Rs. 3000

Rs. 1000

Reduction in PED Waiting Period


Reduced from 4 to 2 years

Reduced from 4 to 2 years

Reduced from 4 to 2 years


Cumulative Bonus

Guaranteed 5%

Guaranteed 10%

Guaranteed 10%

Guaranteed 10%

Guaranteed 5%

Ambulance expense

Up to Rs. 2000

Up to Rs. 3000

Actual expenses

Actual expenses

Up to Rs. 2000

New born expenses


Not covered

Not covered

Not covered


Riders Available with ManipalCigna Pro Health Insurance Plan

Some of the riders you can include in your ManipalCigna Pro Health Insurance plan are as follows:

  • Reduction in Maternity Waiting Period: With this add-on, you can get the waiting period for maternity reduced from 48 to 24 months.
  • Hospital Daily Cash: This add-on provides a daily cash benefit of up to Rs. 3000 for hospitalisation that is of at least 24 hours.
  • Waiver of Co-pay: This add-on waives off the co-payment clause for policyholders who are above the age of 65 years.

Inclusions and Exclusions of ManipalCigna Pro Health Insurance Plan


  • Hospitalisation cover: This provides coverage of up to Rs. 1 crore.
  • Daycare procedures: Up to 546 daycare procedures are covered under this plan
  • Pre-hospitalisation expenses: Up to 60 days
  • Post-hospitalisation expenses: Up to 180 days
  • Coverage for hospital room, suite, or above
  • Maternity coverage of up to Rs. 2 lakhs, both normal and cesarean
  • Ambulance expenses
  • Health maintenance benefits of up to Rs. 15,000
  • Worldwide emergency coverage up to SI
  • Organ donor expenses up to the sum insured
  • Domiciliary cover up to the sum insured
  • Medical check-up every policy year, except the first one


  • Non-medical expenses
  • Any kind of non-allopathic treatment
  • Cosmetic surgery expenses
  • Any expenses related to unproven treatment
  • Sterility or infertility treatment
  • Any treatment related to drug abuse
  • Dental treatment Circumcision

Documents Required to Buy ManipalCigna Pro Health Insurance Plan

Some of the documents required to buy the ManipalCigna Pro Health Insurance plan are as follows:

  • A duly filled application form
  • PAN card
  • Aadhaar card
  • Bank account details
  • Passport
  • Copy of previous health insurance
  • Pre-existing health report
  • Income proof

How to Buy ManipalCigna Pro Health Insurance Plan?

To buy the ManipalCigna Pro Health Insurance Plan, you need to follow the below-mentioned steps:

  • Visit the “Health Insurance” section on the official InsuranceDekho website.
  • Choose "ManipalCigna Health Insurance" from the list of health insurance companies.
  • Then, select "Pro Health Insurance Plan" from the available health insurance plans.
  • Read the policy documents carefully
  • Upload all the necessary documents to complete the KYC process
  • After finishing the KYC process, pay the premium online
  • Finally, you will receive the policy document in your registered email

Claim Process of ManipalCigna Pro Health Insurance Plan

With your ManipalCigna Pro Health Insurance Plan, you can either raise cashless or reimbursement claims. Under a cashless claim, you need not spend anything from your own pocket as all the bills will be directly settled at the network hospital. On the other hand, in a reimbursement claim, you first need to spend from your own pocket which will be later reimbursed by the insurance company.

Cashless Claim

  • Visit a nearby network hospital that is tied up with ManipalCigna
  • Submit all the relevant documents along with policy documents at the hospital
  • The insurance will next intervene and review your claim request
  • Once, ManipalCigna approves all the documents and claim requests, your bills will be directly settled at the network hospital

Reimbursement Claim

  • Choose a nearby non-network hospital
  • Under reimbursement claim, you need to first pay for the medical expenses from your pocket
  • Next, raise a claim on the ManipalCigna website
  • Submit all the documents along with your claim form
  • ManipalCigna Health will then verify the claim request
  • Once approved, all the medical expenses will be reimbursed

Health Insurance Calculator

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10 Lac
25 Lac
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Key Inclusions and Exclusions of the Plan

What's Included

  • In-patient hospitalisation expenses
  • Road ambulance expenses arising due to the transfer of the patient to the nearest hospital
  • Daycare treatment expenses
  • AYUSH treatment expenses

What's Not Included

  • Pre-hospitalisation and post-hospitalisation expenses for up to a specific limit
  • Expenses arising due to civil war
  • Treatments required due to contamination from nuclear fuel or radiation
  • Expenses arising due to the insured committing a breach of law
  • Hospitalisation for investigation purpose
  • Expenses arising due to suicide attempt

Pro Health Plan Details

Features/PlanPro Health ProtectPro Health Plus/Preferred/Premier
Restoration Benefit
Multiple restoration
Multiple restoration
No Claim Bonus
Up to 200% of SI
Up to 200% of SI
Room Rent
Single private room up to Rs. 5.5 lakh, and any room category above suite for high SI
Any room, except suite
Pre and Post Hospitalization
Post 90 days
60 & 180 days
Day Care Procedure
Free Health Checkup
Once every 3rd policy year
After every renewal
Organ Donor
Covered up to SI
Covered up to SI
Up to SI
Up to SI
Domiciliary Hospitalization
Covered up to SI
Ambulance Cover
Up to Rs. 2000 per hospitalization
Up to Rs. 3000 per hospitalization, actual expenses for Preferred & Premier
Second Opinion
Once during policy year
Worldwide Emergency Cover
Up to SI (once in policy year)
Up to SI (once in policy year)
Initial Waiting Period
30 days
30 days
Specific Illness Waiting Period
2 years
2 years
Waiting Period of PED
4 years
3 years
Additional Features
Critical illness, Cumulative bonus booster
Critical illness, Cumulative bonus booster, reduction in maternity waiting
Maternity Cover
Rs. 15000 (normal), Rs. 25000 (C-section) {based on SI}
Up to Rs. 1 lakh (normal), Rs. 2 lakh (C-section) {based on SI}
Special Feature
Healthy rewards, Expert opinion on critical illness, Newborn baby cover up to SI, and vaccinations are also covered
Healthy rewards, Expert opinion on critical illness, Newborn baby cover up to SI, and vaccinations are also covered
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8674 ManipalCigna Cashless Network Hospitals in India

Pro Health User Reviews

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What users are saying
  • All
  • Reliable and Trustworthy

    InsuranceDeko has proven to be a reliable and trustworthy health insurance provider. Since I purchased the ManipalCigna Health Insurance- Pro Health from its online portal, I have been relaxed. They deliver on their promises when it matters most.

    By Tanisha Kiani
    On: Sep 20, 2023
  • Affordable policies.

    I was looking for a good policy that lies in my budget and gives me high benefits. I visited the InsuranceDekho website and found complete information on every plan. I bought the ManipalCigna Health Insurance- Pro Health. I recommend this website to everyone.

    By Shalini Kakkar
    On: Sep 01, 2023
  • Competitive Premiums and Custo...

    I recently switched to InsuranceDekho for my health insurance needs, and I'm glad I did. Their premiums are highly competitive compared to other insurance providers in the market. Moreover, I was impressed by the flexibility to customize the ManipalCigna Health Insurance- Pro Health according to my specific requirements. InsuranceDekho offers a wide range of coverage options, ensuring I only pay for what I need. 

    By Nitin Marwa
    On: Jul 13, 2023
  • Best Financial Protection Plan

    The ManipalCigna Health Insurance- Pro Health is awesome! We purchased it from the official website of InsuranceDekho. Recently, due to some medical emergency, we had to use our insurance policy. The services of the network hospitals associated with this policy were top-notch. I am pleased that experts of InsuranceDekho recommended buying this health insurance plan. 

    By Ansh Luthra
    On: Jun 23, 2023
  • Stable and Reputable Insurance...

    Choosing the ManipalCigna Health Insurance Policy from a stable and reputable InsuranceDekho was crucial for me. With this policy, I found the peace of mind that comes with a trusted name in the industry. The plan has a strong financial standing, which assures me that my loved ones' future financial needs will be secure.

    By Varun Kapoor
    On: Jun 12, 2023

Add-ons to Enhance Benefits

  • Critical Illness

    This add-on provides you with a lump sum amount i.e. an additional 100% of the sum insured opted in case you get diagnosed with any of the listed critical illnesses. The benefit is paid on the first diagnosis. You can buy this add-on at the time of policy purchase by paying an additional premium.

ManipalCigna Pro Health Expert Review

  • Expert Review

    Everyone wants to have a health insurance plan that can offer every possible coverage. With such a plan, the policyholder can easily cover his or her entire family at a single premium amount, which makes the plan affordable too. The Pro-Health Insurance Plan of ManipalCigna is a complete health plan, framed to deliver absolute protection against any disease or medical contingency by offering expenses of medical treatment or procedures.

    The plan is for people above the age of 18 years and is available in different variants such as Prohealth Premier, ProHealth Protect, ProHealth Accumulate Large Cover, ProHealth Plus, and ProHealth Preferred. With the sum insured option starting from Rs. 2.5 Lakh, the policy is considered as a value for money plan. This health insurance plan lets the customers select the size of coverage of their choice and secure their finances and health before facing any hospitalisation for treatment of diseases.

  • Major Attractions

    The Pro-Health Insurance Plan tries to offer an extensive range of coverage for the insured individuals. From basic to advanced, the plan provides coverage for every medical treatment and procedure. The policyholders of this plan have shown a great sense of satisfaction pertaining to its attractive coverage features. Here are a few major highlights of the plan:

    • Coverage for in-patient hospitalisation
    • Pre and post hospitalisation for 60 and 90 days
    • Availability of worldwide emergency cover
    • Organ donor expenses are covered under the plan
    • The plan covers 500 specified day care procedures
    • Coverage related to domiciliary treatment is offered
    • Second opinion option is offered once a policy year
    • Maternity, newborn and vaccination expenses are covered  
  • What’s More?

    The Pro-Health Insurance Plan possesses many more features as well. Besides essential coverage elements, the health insurance policy provides some profitable components which make customers earn some profit. Following are some additional benefits of the plan:

    • Lifelong renewability option is available
    • A discount of 7.5% is given for buying a 2-year policy and 10% for 3 years
    • 25% of family discount is provided for covering 2 or more family members
    • Policyholders can save tax as per section 80D of IT Act
  • Conclusion

    Analysing several features and additional benefit providing components of the plan ensures that Pro-Health Insurance Plan is a perfect choice for a family. The policy can be bought on an individual as well as family floater basis. In addition to the offerings of the plan, it is a widely appreciated product of ManipalCigna health insurance plans and is available at reasonable prices.

    Selecting the right insurance plan is as crucial as buying it from the right platform. In this scenario of the digital world, when everybody is online, going offline for a policy purchase is a bad idea. However, you should find a trusted name like to proceed further here. It is an authentic broker that deals in the health insurance sector and help customers find the best suitable insurance policy for them. The firm’s team render their services from purchase to claim settlement process.

ManipalCigna Pro Health Brochure

  • 964.07 KB
  • PDF Document
  • Mar 23, 2019

Claim Process at ManipalCigna Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 48 hours and for planned hospitalisation intimate within 3 days prior to admission.
  • 3

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 4

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 48 hours and for planned hospitalisation intimate within 3 days prior to admission.
  • 3

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 4

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.

FAQs on Pro Health Health Insurance Plan

  • Can one buy ProHealth insurane online?

    Yes, one can buy ProHealth online at InsuranceDekho for which you just need to fill quote at the portal. There will be several suitable health insurance plans displayed on your screen from which you can choose ProHealth Policy and pay the required premium online via a secured payment gateway.  

  • What covers are available with ProHealth Plan?

    Covers are divided in four parts: Basic Covers: It includes in patient hospitalisation, pre-hospitalisation, post-hospitalisation, day care treatment, domiciliary treatment, ambulance cover, donor expenses, worldwide emergency cover, restoration of sum insured, health maintenance benefit, maternity expenses, newborn expenses, first year vaccinations. Value Added Covers: Health checkup, expert opinion on critical illness, cumulative bonus, and healthy rewards. Optional Covers: Deductible, reduction in maternity waiting and voluntary co-pay. Add On Cover: Critical illness

  • What is the minimum and maximum age required for buying ProHealth insurance plan?

    The entry age is maximum 91 days for children and 18 years for adults. Under a floater plan, it is 23 years for children and lifetime for adults.

  • What is the tenure of the ProHealth plan?

    The policy tenure is either 1 year or 2 years. You have the option to choose the tenure when buying the policy.

  • Where is the pre-medical test conducted?

    The pre-medical check-up is conducted at the network of diagnostic designated centers identified by CignaTTK.

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