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Manipal Cigna

Manipal Cigna

ProHealth Protect: Covers most bases without outrageous conditions, paying for emergency treatments abroad. A 4-year waiting period for pre-existing diseases is the only caveat.

What We Like

This section highlights the strengths and benefits of ProHealth Protect 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 ...

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...

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 ...

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...

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...

You can pick a Single Private room but nothing fancy

Room Choice Co-Payment: You can share a room or have a single room for yourself. But if you're looking for something fancier, be ready to foot part of...

Pre & Post hospitalization expenses covered

Diagnostic Tests Coverage (60 days/90 days): No worries if the doctor has to run a host of diagnostic tests before or after hospitalizing you. The ins...

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...

Covers Alternative Medicine

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

What We Don't Like

This section addresses the limitations and drawbacks of ProHealth Protect policy by Manipal Cigna. It highlights areas where the policy may fall short or aspects that could be improved. Understanding these points is crucial for making an informed decision and managing expectations regarding the policy’s coverage and service.

Underwhelming bonus feature

Coverage After 4 Years: If you're dealing with diabetes, cardiovascular problems, or similar illnesses, the insurer covers all costs after a 4-year wa...

No free Health Checkups unless you wait 3 years

Sum Insured Increase (5% Annually, Cap at 200%): Your sum insured increases by 5% each year as long as you make no claims during this period. However,...

Long waiting period for pre-existing diseases

Coverage After 4 Years: If you're dealing with diabetes, cardiovascular problems, or similar illnesses, the insurer covers all costs after a 4-year wa...

No free Health Checkups unless you wait 3 years

Sum Insured Increase (5% Annually, Cap at 200%): Your sum insured increases by 5% each year as long as you make no claims during this period. However,...

Long waiting period for pre-existing diseases

Coverage After 4 Years: If you're dealing with diabetes, cardiovascular problems, or similar illnesses, the insurer covers all costs after a 4-year wa...

Long waiting period for pre-existing diseases

Coverage After 4 Years: If you're dealing with diabetes, cardiovascular problems, or similar illnesses, the insurer covers all costs after a 4-year wa...

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 Protect 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 Protect Plan is available for individuals aged 18 to 65 years, offering comprehensive health coverage for adults and seniors.

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

The plan covers hospitalization expenses up to the sum insured, including room rent, ICU charges, and doctor’s fees.

Yes, the plan includes wellness benefits such as health check-ups, personalized health coaching, and access to fitness programs.

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