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Manipal Cigna

Manipal Cigna

ProHealth Select: An economical option with room rent limits (?3,000). Exceeding the limit may result in higher out-of-pocket expenses, so read more details.

What We Like

This section highlights the strengths and benefits of ProHealth Select 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.

You’ll never have to split the bill

Full Coverage (No Co-Payment): The insurer will bear the entire cost of treatment (up to the sum insured). You won’t have to pay a single penny, meani...

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 ...

Some Restoration Benefit

Full Cover Restoration for Different Complications: After a partial claim, the insurer will fully restore your cover if you are hospitalized again for...

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...

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 Select 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...

Your insurer doesn’t provide free health check-ups

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...

Restrictions on the rooms you can pick and much more

Room Rent Limit (?3,000, ?7,000 for ICU): Your insurer won’t let you stay in a room whose rent exceeds ?3,000. For ICU, the limit is ?7,000. If you br...

Long waiting period for pre-existing diseases

Room Rent Limit (?3,000, ?7,000 for ICU): Your insurer won’t let you stay in a room whose rent exceeds ?3,000. For ICU, the limit is ?7,000. If you br...

Your insurer doesn’t provide free health check-ups

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...

Restrictions on the rooms you can pick and much more

Room Rent Limit (?3,000, ?7,000 for ICU): Your insurer won’t let you stay in a room whose rent exceeds ?3,000. For ICU, the limit is ?7,000. If you br...

Long waiting period for pre-existing diseases

Room Rent Limit (?3,000, ?7,000 for ICU): Your insurer won’t let you stay in a room whose rent exceeds ?3,000. For ICU, the limit is ?7,000. If you br...

Restrictions on the rooms you can pick and much more

Room Rent Limit (?3,000, ?7,000 for ICU): Your insurer won’t let you stay in a room whose rent exceeds ?3,000. For ICU, the limit is ?7,000. If you br...

Long waiting period for pre-existing diseases

Room Rent Limit (?3,000, ?7,000 for ICU): Your insurer won’t let you stay in a room whose rent exceeds ?3,000. For ICU, the limit is ?7,000. If you br...

Long waiting period for pre-existing diseases

Room Rent Limit (?3,000, ?7,000 for ICU): Your insurer won’t let you stay in a room whose rent exceeds ?3,000. For ICU, the limit is ?7,000. If you br...

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 Select 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 Select Plan is available for individuals aged 18 to 65 years, with options to include family members.

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

Yes, the plan includes maternity benefits after a waiting period of 3 years.

Yes, a No Claim Bonus is part of the plan, with the sum insured rising by 10% for every year without a claim, maxing out at 50%.

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