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ManipalCigna Pro Health Insurance

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ManipalCigna Health Insurance
Pro Health
Claim Settlement Ratio85.72%
COVID-19 CoverYes
In-House Claim SettlementAvailable
Incurred Claim Ratio54%
Network Hospitals6,500+
Policies Sold2,29,817

About ManipalCigna Pro 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 minimum entry age for this policy is 91 days for children and 18 years for adults, and the good news is that there is no limit on the maximum entry age for this policy. You can purchase the policy 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.

The policy comes in different variants which you can choose as per your requirements. These are ProHealth Preferred, ProHealth Preferred, ProHealth Premier, ProHealth Accumulate, and ProHealth Protect. These variants differ in terms of coverage benefits as well as sum insured options. 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-up, expert opinion on critical illnesses, and cumulative bonus amongst others. In case you want more coverage benefits, then you can opt from several coverage benefits that the policy offers, some of which include voluntary copay, waiver of mandatory co-pay, cumulative bonus booster, and deductible.

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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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2500 ManipalCigna Cashless Network Hospitals in India

Pro Health User Reviews

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What users are saying
  • All
  • I found the starting rate of Manipal Cigna’s Pro-Health Plus cover, along with basic policy features, di...

    Read More
    By Nairit Agarwal
    On: Mar 09, 2021
  • The policy guidelines available on InsuranceDekho are easily comprehensible. The language is simple and the in...

    Read More
    By Soumitra Ganguly
    On: Mar 01, 2021
  • I really appreciate how InsuranceDekho understands the value of time and it can be seen through their services...

    Read More
    By Ritam Bagchi
    On: Feb 24, 2021
  • It was my first time at InsuranceDekho. I used the website to renew Manipal Cigna’s ProHealth Select plan. I s...

    Read More
    By Pabitra Das
    On: Feb 23, 2021
  • I am a policyholder of Manipal Cigna’s Pro Health plan. I used InsuranceDekho to issue my policy. Recently, I ...

    Read More
    By Sharanya Sen
    On: Feb 22, 2021

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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