ManipalCigna Plans

ManipalCigna ProHealth Select Insurance

Buy Manipal Cigna Health Insurance

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Date of Birth
  OR age     years
Policy duration
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* Name, Email Id & Mobile No. are optional 

Key highlights of ManipalCigna ProHealth Select Insurance

ProHealth Select Plan, which not only helps you secure your health, but also protects your future expenses. It offers reassurance benefit; which provides an automatic extension of policy for 2 years without paying any premium, in case of a critical illness or permanent total disability due to accident.

ManipalCigna Health Insurance Review

ManipalCigna Health Insurance
ManipalCigna Health Insurance sum insured
2.5 lacs − 100 lacs options available
Incurred Claims Ratio *
ManipalCigna Health Insurance tenure options
1 or 2 years options available
Claims Settlement Ratio **
List of network hospitals
6,500+ hospitals
Number of policies issued *
Maximum family floater coverage
Self, Spouse + 3 dependent children
Number of lives covered *
* As per IRDAI report for 2018-19   |   ** As per NL25 data published on the Insurance Company website

ManipalCigna Health Insurance Benefits

  • Key Features
  • Benefits
  • Waiting Period
  • Exclusion

Key Features of ProHealth Select Insurance

  • Room Rent: Room eligibility upto Single Private Room.
  • Co-pay: Co-pay options of NIL/10%/20% based on Zonewise treatment availed.
  • Restoration Benefit: Restoration once upto 100% of Base Sum Insured.
  • Sum Insured range up to 25 Lacs
  • Choice of Individual and Family Floater Cover
  • Start enrolment from 91 days for children and 18 years for adults.
  • No maximum age limit for entry into the Plan
  • Policy Tenure: 1/2/3 years
  • Lifetime renewals
  • Income tax benefit under Sec 80D of IT Act 1961.
  • Cashless facility at 3500+ network hospitals

ManipalCigna ProHealth Select Benefits

Sum Insured (SI) 3, 4, 5, 7, 10, 15, 20, 25 Lacs
Basic Cover
In-patient Hospitalisation Hospital room up to ₹3000 or ICU up to ₹7000
Pre-Hospitalisation 60 days
Post Hospitalisation 90 days
Day-care Treatment 171 procedures, Covered up to full sum insured
Domiciliary Treatment Covered up to full sum insured
Ambulance Cover Up to ₹2,000 per hospitalisation event
Donor Expenses Covered up to Sum Insured
Restoration of Sum Insured Available once in a policy year for unrelated illnesses in addition to the SI opted
AYUSH Cover Coverage for Ayurvedic, Yoga, Naturopathy, Unani, Siddha & Homeopathy up to Sum Insured
Value Added Covers
Cumulative Bonus 5% each year maximum up to 100% on non-reducing basis
Healthy Rewards
  • Earn reward points equal to 1% of premium paid each year
  • Earn additional points by completing our array of Wellness Program
  • Each earned reward point will be valued at ₹1
  • Redeem points as premium discount or for availing services through any of our network providers
Optional Covers
Deductible* 1/2/3/4/5 Lacs in all combinations provided the Deductible is not higher than the SI opted
Cumulative Bonus Booster (any one of the 4 choices)
  1. 10% increase in Sum Insured, maximum up to 100% on non-reducing basis
  2. 25% increase in Sum Insured, maximum up to 100% on non-reducing basis
  3. 50% increase in Sum Insured, maximum up to 100%. This will reduce by 50% in case of claim under the policy, but in no case shall the Sum Insured be reduced
  4. 10% increase in Sum Insured, maximum up to 200% irrespective of a claim under the policy
Removal of Room Rent Limit Covered up to Single Private Room
Re-Assurance Automatic extension of policy for 2 years on diagnosis of a Critical Illness or Permanent Total Disability due to Accident
Add-on Cover Critial Illness Add-on cover

Waiting Period of ManipalCigna ProHealth Select Insurance

  • First 30 days waiting period is applicable for all illnesses other than accidents
  • 24 months waiting period is applicable on specific ailments
  • Pre-existing diseases will be covered after 48 months
  • A 90-day waiting period is applicable to critical illness under Re-assurance and Add-on cover (if opted)

Exclusions of ManipalCigna ProHealth Select Insurance

We will not cover any costs towards
  • HIV/AIDS and its complications
  • Suicide or drug abuse

Manipal Cigna health insurance FAQ's

A pre-existing disease is any condition, ailment or injury or related condition(s), for which the insured person had signs or symptoms, and /or were diagnosed, and / or received medical advice / treatment within 36 months prior to 1st health insurance policy issued by Us under which the insured person was covered.

Under cashless hospitalization, the insured person does not settle the hospitalization expenses at the time of discharge from hospital. The settlement is done directly by us for treatment that the insured person is eligible to receive under the terms of his/her policy. This is for your convenience. However, it is important to note here that prior approval is required from us before admission into the hospital. In some cases, you may have to pay for all or part of the treatment if it is not fully covered under the terms of the policy. However, in case of emergency hospitalization, you can obtain approval post-admission. Please note that the cashless facility is available only at our Network Hospitals.

The premium paid on a health insurance policy is eligible for deduction under Section 80D of the Income Tax Act. So save with your policy now!

A waiting period is the length of time you, the insured, will have to wait before the benefits under the health policy can be utilised.

The following KYC documents are required from the insured person/proposer in cases of reimbursement-
  • If claim amount is below 1 lakh- Photo Id proof & address proof
  • If claim amount is above 1 lakh- Photo Id proof, address proof and a recent photograph


Review ManipalCigna ProHealth Select Insurance brochure to understand coverage details.

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Proposal form

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Policy wordings

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    InstantCover Insurance Web Aggregator Private limited
    710, 6th B Cross, 16th Main Road, Koramangala 3rd Block, Bangalore - 560 034.

  • +91-(80)-41101026
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CIN: U66000KA2018PTC117713 | IRDAI Web aggregator License Code Number: IRDAI / INT / WBA /53/ 2018, Valid till 07/08/2022