Prohealth Plan
  • Know About the Plan & its Variants
  • Explore the Features & Eligibility
  • Inclusions and Exclusions
ManipalCigna Health Insurance
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ManipalCigna Pro Health Insurance Plan

ManipalCigna ProHealth Insurance Policy is a comprehensive hospitalization insurance plan that protects you and your family in the time of medical emergencies. The plan comes loaded with basic covers, value-added covers, and optional covers.

The plan offers 5 variants such as ProHealth Protect, ProHealth Accumulate, ProHealth Plus, ProHealth Preferred, and ProHealth Premier that can be chosen according to the needs and requirements of the policyholder.

ManipalCigna ProHealth Insurance policy comes with benefits such as in-patient hospitalization expenses, pre & post hospitalization, daycare treatment, domiciliary treatment, ambulance cover, AYUSH cover, etc

Read to explore further about the plan.

ManipalCigna Pro Health Plan Specifications

Children Entry Age

91 days to 23 Years

Adult Entry Age

Adult: 18 years Maximum: No Age Bar

Plan Type

Individual / Family Floater

Policy Term

1 / 2 / 3 year

Sum Insured (in Rs.)

2.5 L- 50 L| 4.5 L- 50 L| 15 L- 50 L | 5.5 L- 50 L| 1 Cr

Initial Waiting Period*

30 Days

*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.

Choose your Manipal Cigna Pro Health Plan

With wide coverage options, and 5 different variants Manipal Cigna Pro Health plan lets you customize your health insurance plan.

Coverage for SI: 2.5L-50L

In-patient & Out-patient Coverage

Room Rent

1% of SI

ICU Charges

2% of SI

Pre-Hospitalization

Covered up to 30 days

Post-Hospitalization

Covered up to 60 days

Domiciliary Hospitalization

Covered

Daycare Treatment

586 listed procedures

OPD Charges

Covered

Coverage Terms

COVID-19 Treatment

Covered

Cataract

Not Covered

No Claim Bonus

Available up to 25% of SI

Automatic Restoration

Upto 150% restoration of SI

Daily Hospital Cash

1000/- per day

Organ Donor

Covered up to SI

Maternity Cover

Not Available

New Born Baby Cover

Not Available

Alternative Treatments

AYUSH Treatment

Available

IVF Treatment

Not Available

Modern Treatment

Not Available

Emergency Coverage

Ambulance

Covered up to 2K

Air Ambulance

Available

Compassionate Travel

Not available

Global Coverage

Available

Wellness Programmes

E-Consultation

Not available

Health Check-Up

Available

Second Medical Opinion

Available for listed Critical Illnesses

Vaccination

Not Available

Limitations

Co-payment

Applicable, only if the policyholder is 61 years or above

Sub-limits

Not Available

What is Room Rent?

Room rent limit is the maximum amount of bed charge that you can claim if you are hospitalized.

Common Room categories covered under room rent are:

  • Private Single AC Room
  • Twin Sharing
  • General Ward

Coverage status under ManipalCigna Pro Health?

Under ManipalCigna Pro-Health, the room rent is covered up to 1% of the SI.

Under ManipalCigna Pro-Health, the Single Private A/C Room is provided to the policyholder.

Under ManipalCigna Pro-Health, the room rent is covered up to the SI.

What are ICU Charges?

It is a special department in the hospitals where patients with serious medical conditions are treated.

Coverage status under ManipalCigna Pro Health?

Under this plan, ICU charges coverage is available up to 2% of the SI.

Under this plan, ICU Charges are covered up to the SI.

What is Pre Hospitalization?

Medical expenses incurred before the hospitalization of the policyholder.

Coverage status under ManipalCigna Pro Health?

This plan covers medical expenses incurred during pre-hospitalization for up to 30 days.

What is Post Hospitalization?

Medical expenses incurred after the discharge of the policyholder from the hospital.

Coverage status under ManipalCigna Pro Health?

This plan covers medical expenses incurred during post-hospitalization for up to 60 days.

What is Domiciliary Hospitalization?

Home hospitalization arrangement for the insured person due to unavailability of medical amenities in hospitals. The treatment should last equal to or more than 72 hrs to get the financial coverage.

Coverage status under ManipalCigna Pro Health?

Under this plan ManipalCigna Pro Health plan domiciliary hospitalizations is covered.

What is Daycare Treatment?

Treatments that can be treated in less than 24 hours of hospitalization like blood dialysis, cataract, etc.

Coverage status under ManipalCigna Pro Health?

This plan covers expenses of all daycare procedures including 586 listed Procedures up to S.I.

What are OPD charges?

The cost of doctor consultation and prescribed medical tests that may not require hospitalization.

Coverage status under ManipalCigna Pro Health?

Not covered under the plan.

What is COVID-19 Treatment?

Covers the cost of treatment for COVID-19 with a confirmative diagnosis from Govt. approved Centre.

Coverage status under ManipalCigna Pro Health?

COVID-19 treatment cover is available under this plan.

What is Cataract Treatment?

A common eye condition in which your vision gets blurred.

Coverage status under ManipalCigna Pro Health?

The plan does not cover Cataract Treatment.

What is a No-Claim Bonus?

For every claim-free year, insurance companies reward policyholders with an increase in the Sum Insured amount as no-claim bonus on policy renewal. However, in the case of claim, this bonus amount either lapses or is reduced by a certain percentage that varies from plan to plan.

Coverage status under ManipalCigna Pro Health?

The plan offers an additional 10% to the sum insured as a No Claim Bonus for each claim free year, a maximum of upto 50% of the sum insured.

What is Automatic Restoration?

Automatic restoration is a benefit in which the insurance company restores the total sum insured after it gets fully exhausted in treatments.

Coverage status under ManipalCigna Pro Health?

The plan reloads the sum insured amount by 150% for a subsequent and unrelated illnesses.

What is Daily Hospital Cash?

It is a cash amount that you will get each day during the time of hospitalization.

Coverage status under ManipalCigna Pro Health?

The daily hospital cash available under the plan is Rs. 500 per day, maximum 5 days per hospitalisation.

The daily hospital cash is not available under the plan.

What is an Organ Donor Cover?

Your health plan will cover the cost of the procedure for removing the damaged or malfunctioning organs from the body.

Coverage status under ManipalCigna Pro Health?

Under the plan, Organ Donor expenses are covered up to the SI.

What is a Maternity Cover?

It refers to the cover that includes expenses for normal and c-section procedures deliveries.

Coverage status under ManipalCigna Pro Health?

Not covered

What is a New Born Baby Cover?

It takes care of the medical expenses that arise due to the hospitalization of the newborn baby in case of unforeseen circumstances. Some of the common treatments that are covered under the new born cover and these common treatments can vary from plan to plan:

  • Congenital anomaly (conditions since birth)
  • Acute condition
  • Chronic condition
  • Pre-mature delivery
  • Birth asphyxia
  • Day care treatment

Coverage status under ManipalCigna Pro Health?

Not covered

What is AYUSH Treatment?

Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.

Coverage status under ManipalCigna Pro Health?

AYUSH treatment is covered under this plan up to INR 15,000.

AYUSH treatment is covered under this plan up to INR 20,000.

AYUSH treatment is covered under this plan up to INR 30,000.

AYUSH treatment is covered under this plan up to INR 40,000.

AYUSH treatment is covered under this plan up to INR 50,000.

What is IVF Treatment?

In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:

  • Full infertility
  • No fertility
  • Infertility diagnosis
  • Infertility diagnosis and limited fertility treatment
  • Medication (which may or may not include fertility drug prescriptions)

Coverage status under ManipalCigna Pro Health?

Not Available

What is a Modern Treatment?

Medical treatments that demand the use of modern technology such as robotic surgeries, stem cell therapy, etc.

Coverage status under ManipalCigna Pro Health?

Not Covered

What is an Ambulance Cover?

An ambulance is used to move the patient from home to hospital, transfer to another hospital, and take them for different tests outside the hospitals.

Coverage status under ManipalCigna Pro Health?

This plan covers Ambulance charges up to INR 1500.

This plan covers Ambulance charges up to INR 2000.

This plan covers Ambulance charges up to INR 2500.

This plan covers Ambulance charges up to INR 3000.

This plan covers Ambulance charges up to INR 5000.

What is an Air Ambulance?

Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.

Coverage status under ManipalCigna Pro Health?

Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.

What is Compassionate Travel?

Refers to the traveling expenses of a family member of the insured person in case the policyholders get admitted to a hospital outside his/her residential city.

Coverage status under ManipalCigna Pro Health?

Not available

What is Global Coverage?

Any kind of medical/health emergency when you are outside of India.

Coverage status under ManipalCigna Pro Health?

Not available

What is E-Consultation?

If a policy offers E-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.

Coverage status under ManipalCigna Pro Health?

The plan does not covers the expenses for E-consultation.

What is a Health Checkup?

A facility where the policyholder can avail free health check-ups after fulfilling the company's policies.

Coverage status under ManipalCigna Pro Health?

The plan offers Annual Health Check-up benefit from Day 1.

What is a Second Medical Opinion?

If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company's network of medical practitioners.

Coverage status under ManipalCigna Pro Health?

The plan covers the expenses for Second Medical Opinion only for the listed 15 critical illnesses.

What is Vaccination cover?

Coverage against the expenses incurred on vaccinations is provided by the insurance companies.

Coverage status under ManipalCigna Pro Health?

The plan does not cover vaccination cover.

The plan offers coverage for vaccination up to INR 10K

What is Co-payment?

In the co-payment clause, policyholders have to pay a portion of the hospitalization expense on their own and the insurer will pay the rest of the amount.

Coverage status under ManipalCigna Pro Health?

Co-payment is only applicable if the policyholder is above 61 years.

What is the Sub limit?

Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to pay by the policyholder.

Coverage status under ManipalCigna Pro Health?

No sub-limits are available

Manipalcigna Health Insurance Network Hospital List

ManipalCigna Health Insurance Network Hospitals are present in 30 states nationwide. With a wide network of hospitals, ManipalCigna Health Insurance ensures that you are medically secured, irrespective of the city you reside in.

Manipal Cigna Activ Assure Diamond Plan Benefits

Health Returns

Earn rewards by staying fit

Optional Covers

Avail enhanced protection with additional coverage options

Tax Benefits

Get tax relief under section 80D

Discounts

Avail Family and Long-Term Discounts

Health Returns

The plan lets the policyholder earn up to 30% of their premium as Health Returns if they follow a healthy lifestyle and stay fit.

Optional Covers

The plan offers several optional covers that allow you to get enhanced coverage and help you to customize your plan as per your needs and requirements.

Tax Benefits

Amount paid towards the premium of this plan is eligible for tax relief under Section 80D of the Income Tax Act, 1961.

Discounts

Avail 7.5% discount for a 2-year policy and a 10% discount for a 3-year policy.Avail a 5% discount for a multi-individual policy for 2-3 members and a 10% discount for a multi-individual policy for 4+ members.

Explore Manipal Cigna Health Insurance

Know more about Know more about Manipal Cigna Health Insurance, its claim process, buying process, and contact details by clicking on the sections below:

Contact Us

For any query related to the policy get in touch with the Manipal Cigna Health Insurance Company

Premium Calculator

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Explore other Manipal Cigna Health Plans

Manipal Cigna Health offers a wide range of health insurance plans to fulfill the medical needs of individuals, families, and senior citizens.

ManipalCigna Health Insurance Individual & Family Plans

Comprehensive Plan

ManipalCigna ProHealth Prime

A comprehensive plan with SI up to 1Cr and 3 different variants. It is a versatile health insurance plan for your medical needs.

Unique Features

  • Unlimited Tele-consultation
  • Switch off your cover feature
  • Wellness program available

Comprehensive Plan

A high SI plan for women's medical requirements. The plan covers major critical illnesses including cancer treatment.

Unique Features

  • Avail Global OPD
  • Cancer treatment
  • Avail high sum assured

Comprehensive Plan

A comprehensive plan with 5 different variants suitable for individuals and young couples, offering sum insured up to 1Cr.

Unique Features

  • Avail family discount
  • Worldwide emergency protection
  • Avail healthy lifestyle benefits

Affordable Plan

An affordable plan that offers added coverage to the policyholder and keeps them covered above and beyond their basic health plan.

Unique Features

  • Avail no claim bonus
  • Customize plan
  • Avail Coverage from Critical Illness

Affordable Plan

ManipalCigna Pro Health Select

A fully customizable health plan according to your needs with ProHealth Select at an affordable premium.

Unique Features

  • 2 plan variants available
  • Avail customized features
  • Avail long term policy

Affordable Plan

ManipalCigna ProHealth Cash

The plan offers daily cash to the family members of the patient to cover the miscellaneous expenses.

Unique Features

  • Avail worldwide cover
  • Avail online wellness program
  • Lifetime renewal available

ManipalCigna Health Insurance Specialized Plans

Affordable Plan

ManipalCigna Arogya Sanjeevani Policy

An affordable, standard health insurance plan for individuals and family members with up to 10L sum assured.

Unique Features

  • Affordable all India health coverage
  • Avail modern treatments
  • Avail AYUSH Treatment

Affordable Plan

ManipalCigna Corona Rakshak Policy

An affordable plan providing lump sum benefits equal to 100% of the Sum Insured on a positive diagnosis of Covid.

Unique Features

  • Avail lump sum benefit
  • Affordable premiums
  • All India coverage

Affordable Plan

ManipalCigna Corona Kavach Policy

A Standard health insurance plan for Coronavirus disease providing hospital to homecare treatment up to SI.

Unique Features

  • Discounts for health care workers
  • Avail Home care treatment
  • Avail AYUSH treatment

Critical Illness Plan

ManipalCigna Lifestyle Protection Critical Care

A protection plan that offers support to you and your family against up to 30 critical illnesses with a high sum assured to choose from up to 25Cr.

Unique Features

  • Upto 30 critical illnesses covered
  • Avail online wellness program
  • Plan variants available

Accident Plan

ManipalCigna Lifestyle Protection Accident Care

A plan that provides complete protection, on and off the job, including death, disability, loss of job, and financial protection.

Unique Features

  • Loss of job covered
  • upto 10 Cr coverage
  • Avail Rider benefits

Accident Plan

ManipalCigna Saral Suraksha Bima

Standard Personal Accident policy to safeguard your unexpected expenses arising from death or serious injury caused by an accident, while securing your finances.

Unique Features

  • Avail Accident Death Cover
  • Avail Security for dependant child
  • Permanent Total Disability Cover

Group Plan

ManipalCigna Pro Health Group

A health insurance solution for Employer-Employee and Non-Employer-Employee groups. A plan offering sum assured up to 1Cr.

Unique Features

  • Customizable plans
  • 42 optional covers available
  • Avail Personal accident coverage

Group Plan

ManipalCigna Lifestyle Protection Group Policy

An all-in-one plan offering sum assured up to 50Cr and Umbrella cover of Group - Personal Accident and/or Critical Illness.

Unique Features

  • Flexible base and optional cover
  • Upto 36 critical illnesses covered
  • Cancer-only coverage available

Group Plan

ManipalCigna FlexiCare Group Insurance Policy

A plan offering sum assured up to 5 Cr and a range of covers including Accident, Mediclaim, Surgery, Domestic Travel, and Wellness.

Unique Features

  • Avail wellness packages
  • Customizable coverage
  • Avail home care benefits

Group Plan

ManipalCigna Group Overseas Travel

Group overseas travel insurance offers all-around coverages for business trips, vacations, and more. The plan offers a sum assured up to $ 50 Lac.

Unique Features

  • Customizable plan
  • Travel expense covered
  • Avail adventure sports cover

Group Plan

ManipalCigna Global Health Group Policy

A comprehensive group plan that covers Indian locals and expatriates working abroad under one umbrella with a sum assured of up to $ 10 Million.

Unique Features

  • Avail health care globally
  • Avail wellness package
  • Avail multiple optional covers

Health Insurance Articles

ManipalCigna ProHealth Plan: FAQ's

1. Can I change my Sum Insured of ManipalCigna ProHealth Plan?

Yes, you can increase or decrease the coverage of your ManipalCigna ProHealth Group Insurance policy only at the time of renewal.

2. Does ManipalCigna ProHealth Insurance come with any exit age?

No, the plan does not have any exit age

3. Am I eligible to avail of any Tax Benefits under the ManipalCigna ProHealth Plan?

Yes. the premiums paid under the Policy are eligible for income tax benefit under Sec 80 D of the Income Tax Act

4. How many Daycare procedures are covered under the ManipalCigna ProHealth Group Insurance policy?

The ManipalCigna ProHealth Insurance plan covers more than 500 daycare procedures.

5. What different payment modes are available under ManipalCigna ProHealth Plan?

Single, Yearly, Half-Yearly, Quarterly, and Monthly premium payment options are available under ProHealth Insurance

ManipalCigna ProHealth Plan Review

Read what customers have to say about ManipalCigna ProHealth Plan Insurance.

Customer Review Image

Santokh Singh Sethi

Delhi

September 14, 2022

I was great experience with policyx, the way the compare the plan is very good and web site is also easy to understand... I will suggest go with Policyx only

Customer Review Image

Asleen

Indore

May 26, 2022

Good company, satisfied with the plan bought from ManipalCigna and also with all the benefits the plan provides me with.

Customer Review Image

jasvinder singh

Delhi

March 25, 2022

very nice service by policyx.com and as well from manipal cigna during the claim period. easy claim settelment.

Customer Review Image

diya sharma

Chandigarh

February 21, 2022

only big companies are trusted generally but new companies are also good. satisfied service and customer satisfaction is full

Customer Review Image

Ramesh Kumar

Hyderabad

November 22, 2021

they have great impressive plans to offer. very amazing and helpful customer service. helped me a lot at the time of claim settlement

Customer Review Image

Ravi Rajora

Delhi

October 28, 2021

Quick reimbursement process with good and supportive claim team... customer care team is very efficient and helpful.

Customer Review Image

deepankar singh

Chandigarh

October 26, 2021

Good company with supportive customer care. I am very happy with the way the company settled my claim.

Customer Review Image

Vishal Malhotra

Jaipur

October 6, 2021

A few months back, I purchased a health plan from Manipal Cigna. I must say that the company offers helpful services

View All ManipalCigna ProHealth Plan Insurance Reviews