Insurance Company
Manipal Cigna Health Insurance
Policy Name
Prohealth Prime Protect
Expert Overview -
ManipalCigna Health Insurance was established in 2014 as a joint venture between Manipal Group and Cigna. It brings together Indian healthcare expertise and global insurance experience, with steady growth in health-focused offerings.
Plan Strategy -
Comprehensive health insurance policy offering medical protection with 24-month pre-existing disease waiting
Network Hospitals
7,300+
>8,500 recommended
Claim Ratio
91.44%
>95% recommended
Complaints
24.27
<20 recommended
Policy Features
Policy Analysis Detail
Inbuilt Value
Strategic Verdict
Co-payment
If yes, you will have to pay part of bill
No co-payment
No Co-payment
Room Rent Limit
If higher-category room, you pay part of the bill
Room rent capped
No room rent capping
Disease sub-limit
Leads to some disease not getting covered fully
No sub limit applicable
No sub-limit
No Claim Bonus
Bonus you receive every year on renewal
25% no claim bonus annually upto 200%
50% each year (Minimum upto 100%)
Restoration Benefit
Even after claim, base cover gets restored
Unlimited restoration available
100% restoration once in a year
Pre-Hospitalization
Days covered before hospitalization
60 days
At least 60 days
Post-Hospitalization
Days covered after hospitalization
180 day
At least 120 days
Consumables
Coverage for non-medical consumable items
Non-medical consumables covered
Consumables covered
Based on IRDAI Public Disclosures (2025-26)
Enhanced Coverage
Key Add Ons Available
Enhance Plus-Room Accommodationupgrade to Any Room
Cumulative Bonus Booster
(For SI ₹ 5Lacs and above)50% of SI per policy year, subject to a maximum of 200% of SI
Timing Constraints
Waiting Period Analysis
Initial Waiting Period
30 days
Specific Illness
2 years
Pre-Existing Disease
3 years
