Network hospitals
8500+
Claim settlement ratio
99.90%
Sum insured
Up to 3 CR
No. of Plans
16
Solvency Ratio
1.67
Pan India Presence
77
PolicyX.com is a Recognised ManipalCigna Partner View Certificate
Network hospitals
8500+
Claim settlement ratio
99.90%
Sum insured
Up to 3 CR
No. of Plans
16
Solvency Ratio
1.67
Pan India Presence
77
PolicyX.com is a Recognised ManipalCigna Partner View Certificate
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.
91 days to 23 Years
Adult: 18 years Maximum: No Age Bar
Individual / Family Floater
1 / 2 / 3 year
2.5 L- 50 L| 4.5 L- 50 L| 15 L- 50 L | 5.5 L- 50 L| 1 Cr
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.
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
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
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
AYUSH Treatment
Available
IVF Treatment
Not Available
Modern Treatment
Not Available
Ambulance
Covered up to 2K
Air Ambulance
Available
Compassionate Travel
Not available
Global Coverage
Available
E-Consultation
Not available
Health Check-Up
Available
Second Medical Opinion
Available for listed Critical Illnesses
Vaccination
Not Available
Co-payment
Applicable, only if the policyholder is 61 years or above
Sub-limits
Not Available
Coverage for SI: 4.5L-50L
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
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
2000/- per day
Organ Donor
Covered up to SI
Maternity Cover
Available
New Born Baby Cover
Available
AYUSH Treatment
Available
IVF Treatment
Not Available
Modern Treatment
Not Available
Ambulance
Covered up to 3K
Air Ambulance
Available
Compassionate Travel
Not available
Global Coverage
Available
E-Consultation
Not available
Health Check-Up
Available
Second Medical Opinion
Available for listed Critical Illnesses
Vaccination
Not Available
Co-payment
Applicable, only if the policyholder is 61 years or above
Sub-limits
Not Available
Coverage for SI: 15L-50L
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
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
3000/- per day
Organ Donor
Covered up to SI
Maternity Cover
Available
New Born Baby Cover
Available
AYUSH Treatment
Available
IVF Treatment
Not Available
Modern Treatment
Not Available
Ambulance
Available
Air Ambulance
Available
Compassionate Travel
Not available
Global Coverage
Available
E-Consultation
Not available
Health Check-Up
Available
Second Medical Opinion
Available for listed Critical Illnesses
Vaccination
Not Available
Co-payment
Applicable, only if the policyholder is 61 years or above
Sub-limits
Not Available
Coverage for SI: 1 Cr
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
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
3000/- per day
Organ Donor
Covered up to SI
Maternity Cover
Available
New Born Baby Cover
Available
AYUSH Treatment
Available
IVF Treatment
Not Available
Modern Treatment
Not Available
Ambulance
Available
Air Ambulance
Available
Compassionate Travel
Not available
Global Coverage
Available
E-Consultation
Not available
Health Check-Up
Available
Second Medical Opinion
Available for listed Critical Illnesses
Vaccination
Not Available
Co-payment
Applicable, only if the policyholder is 61 years or above
Sub-limits
Not Available
Coverage for SI: 5.5L-50L
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
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
AYUSH Treatment
Available
IVF Treatment
Not Available
Modern Treatment
Not Available
Ambulance
Covered up to 2K
Air Ambulance
Available
Compassionate Travel
Not available
Global Coverage
Available
E-Consultation
Not available
Health Check-Up
Available
Second Medical Opinion
Available for listed Critical Illnesses
Vaccination
Not Available
Co-payment
Applicable, only if the policyholder is 61 years or above
Sub-limits
Not Available
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:
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.
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.
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.
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.
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.
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.
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.
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.
A common eye condition in which your vision gets blurred.
Coverage status under ManipalCigna Pro Health?
The plan does not cover Cataract Treatment.
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.
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.
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.
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.
It refers to the cover that includes expenses for normal and c-section procedures deliveries.
Coverage status under ManipalCigna Pro Health?
Not covered
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:
Coverage status under ManipalCigna Pro Health?
Not covered
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.
In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:
Coverage status under ManipalCigna Pro Health?
Not Available
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
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.
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.
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
Any kind of medical/health emergency when you are outside of India.
Coverage status under ManipalCigna Pro Health?
Not available
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.
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.
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.
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
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.
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
Earn rewards by staying fit
Avail enhanced protection with additional coverage options
Get tax relief under section 80D
Avail Family and Long-Term Discounts
The plan lets the policyholder earn up to 30% of their premium as Health Returns if they follow a healthy lifestyle and stay fit.
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.
Amount paid towards the premium of this plan is eligible for tax relief under Section 80D of the Income Tax Act, 1961.
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.
Manipal Cigna Health offers a wide range of health insurance plans to fulfill the medical needs of individuals, families, and senior citizens.
Comprehensive Plan
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
Comprehensive Plan
A high SI plan for women's medical requirements. The plan covers major critical illnesses including cancer treatment.
Unique Features
Comprehensive Plan
A comprehensive plan with 5 different variants suitable for individuals and young couples, offering sum insured up to 1Cr.
Unique Features
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
Affordable Plan
A fully customizable health plan according to your needs with ProHealth Select at an affordable premium.
Unique Features
Affordable Plan
The plan offers daily cash to the family members of the patient to cover the miscellaneous expenses.
Unique Features
Affordable Plan
An affordable, standard health insurance plan for individuals and family members with up to 10L sum assured.
Unique Features
Affordable Plan
An affordable plan providing lump sum benefits equal to 100% of the Sum Insured on a positive diagnosis of Covid.
Unique Features
Affordable Plan
A Standard health insurance plan for Coronavirus disease providing hospital to homecare treatment up to SI.
Unique Features
Critical Illness Plan
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
Accident Plan
A plan that provides complete protection, on and off the job, including death, disability, loss of job, and financial protection.
Unique Features
Accident Plan
Personal Accident policy to safeguard you from unexpected expenses arising from death or serious injuries.
Unique Features
Group Plan
A health insurance solution for Employer-Employee and Non-Employer-Employee groups. A plan offering sum assured up to 1Cr.
Unique Features
Group Plan
An all-in-one plan offering sum assured up to 50Cr and Umbrella cover of Group - Personal Accident and/or Critical Illness.
Unique Features
Group Plan
A plan offering sum assured up to 5 Cr and a range of covers including Accident, Mediclaim, Surgery, Domestic Travel, and Wellness.
Unique Features
Group Plan
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
Group Plan
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
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.
See More Health Insurance Articles
See More Health Insurance Articles
Yes, you can increase or decrease the coverage of your ManipalCigna ProHealth Group Insurance policy only at the time of renewal.
No, the plan does not have any exit age
Yes. the premiums paid under the Policy are eligible for income tax benefit under Sec 80 D of the Income Tax Act
The ManipalCigna ProHealth Insurance plan covers more than 500 daycare procedures.
Single, Yearly, Half-Yearly, Quarterly, and Monthly premium payment options are available under ProHealth Insurance
Durgesh Kumar
Jaipur
March 25, 2023
Best health insurance claim mere leg ka surgery hui h 22.03.2023 ko 2 hrs m claim approval aa gya tha mari policey ko 7 month hi hua h mera claima 44000 rupaye ka tha 100% company n pay kiya h ...
Ajay Kapoor
Delhi
March 24, 2023
Bad experience operate 6th jan 2023 my claim no 31418820 Ajay Kapoor mob 7838722273 till date 24 mar 2023. No reimburse ment amount 67367 not recd . always demand new query. I send you after op...
Poonam Sinha
Surat
December 9, 2022
Mujhe khaas kar inki service best lagi. Policyx se mai hamesha services lungi. Maininki services se khush hu
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
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.
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.
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
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
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