Manipal Cigna

Ultra Rich Policy: Offers a gigantic cover of 1 Crore, paying for regular outpatient consultations (up to 15,000) and international coverage with a relatively low waiting period for pre-existing diseases. Truly one of a kind.

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whatWeLike What We Like

This section highlights the strengths and benefits of ProHealth Premier policy by Manipal Cigna. It covers what the policy does exceptionally well, including aspects that provide significant value and peace of mind to the policyholder. Here, you will find the major advantages and positive features that make this policy stand out.

Covers international treatments

International Emergency Coverage: This policy covers all types of international treatments, but only in case of emergencies. If you frequently travel ...

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You most likely don't have to split the bill

Co-Pay for Claims After Age 65: If you bought this policy after turning 65, you need to pay 20% of the bill for each claim. Otherwise, the insurer cov...

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You always have full cover irrespective of the disease

No Disease-Wise Sub-Limits: If your insurer hasn't explicitly excluded an illness, you can claim the full sum insured for any disease, as this policy ...

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Pre & Post hospitalization expenses covered

Diagnostic Tests Coverage (60 days/180 days): No worries if the doctor has to run a host of diagnostic tests before or after hospitalizing you. The in...

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Day Care treatments covered

Minor Procedure Full Coverage: If you're hospitalized for less than 24 hours for a minor procedure, the insurer will cover the costs. This includes tr...

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Full coverage even if you are forced to hospitalize at home

Domiciliary Cover: The insurer will bear the costs even if you are hospitalized at home due to a condition or the hospital running out of beds. This i...

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Doctor consultations covered

General Checkup (?15,000 Limit): If you’re feeling sick and want to visit your family physician for a general checkup, the insurer will cover the cost...

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You can pick any room so long as it’s not a Suite

Room Rent Limitations: Shared rooms and single private rooms are covered. However, for suite rooms or more expensive options, you will need to share t...

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Short waiting period for Pre Existing Diseases

Coverage After 2 Years: If you're dealing with diabetes, cardiovascular problems, or similar illnesses, the insurer covers all costs related to these ...

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Good Restoration Benefit

Multiple Hospitalizations: After a partial claim, the insurer will fully restore your cover for any future hospitalizations within the same year, allo...

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Free Health Checkups every year

Annual Full Body Checkup: If you’re planning on getting a full body checkup every year just to make sure you’re in fine working condition, the insurer...

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Covers Alternative Medicine

Full Coverage for Alternative Treatments: Thinking of getting Ayurvedic, Homeopathic, or other alternative treatments to cure an illness? Your insure...

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whatIsOk What Is Okay

This section outlines the satisfactory but not exceptional aspects of ProHealth Premier policy by Manipal Cigna. It includes features and benefits that are adequate and meet standard expectations. While these elements may not be extraordinary, they still contribute to the overall usefulness and reliability of the policy.

Special Bonus for being healthy and not claiming insurance

Sum Insured Increase (10% Annually, Cap at 200%): Your sum insured increases by 10% each year as long as you make no claims during this period. But be...

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Maternity benefits offered

Maternity Coverage (?2,00,000, 4-Year Wait): The insurer covers maternity expenses up to ?2,00,000, with a 4-year waiting period.

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Frequently Asked Questions

Medfin offers the latest surgical procedures to ensure that you
recover as fast as possible in the least painful way possible.

The claim settlement ratio for Prohealth Premier in 2024 is 99.41%. This high ratio demonstrates the insurer's commitment to efficiently processing claims, offering peace of mind to policyholders.

The ProHealth Premier Plan offers a higher sum insured with additional benefits such as global coverage for emergency hospitalization and wellness programs.

Yes, pre-existing conditions are covered after a waiting period of 36 months.

Yes, the plan includes coverage for alternative treatments like Ayurveda, Homeopathy, and Unani, up to a specified limit.

Yes, the plan covers over 150 daycare procedures that require less than 24 hours of hospitalization.

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