Manipal Cigna Health Insurance – Pro Health – Protect
9
Expert ScoreRead review
- This plan provides a 5% increase in your sum insured each year maximum up to 200%. You get the bonus irrespective of whether you make a claim or not.
- Under this plan, you are covered for any emergency hospitalization in a foreign country up to the sum insured of your plan.
- This policy provides a discount of up to 20% on the renewal premium
ManipalCigna Pro Health Protect is a comprehensive health insurance plan. The plan has multiple coverage features which are both inbuilt and also optional all rolled into one. Unique inbuilt features include worldwide emergency cover, restoration of Sum Assured, Health Maintenance Benefits. The plan also has various valued added benefits like cumulative bonus, expert opinion in case of a critical illness, healthy rewards and free health check-ups. Optional features include voluntary co-pay, critical illness add-on, etc.
- Cover :₹ 25.0 Lakhs
- Bonus / NCB :Guaranteed Cumulative Bonus of 5% of Sum Insured, max upto 200%, irrespective of whether there is claim or not
- Copay :No copayment
- Claims Settled :99.9%
₹13,386.00
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Category: Health Insurance
Tag: Ayush treatments

Manipal Cigna Health Insurance – Pro Health – Protect
9
Expert ScoreRead review
Premium Amount
₹13,386.00
- This plan provides a 5% increase in your sum insured each year maximum up to 200%. You get the bonus irrespective of whether you make a claim or not.
- Under this plan, you are covered for any emergency hospitalization in a foreign country up to the sum insured of your plan.
- This policy provides a discount of up to 20% on the renewal premium
ManipalCigna Pro Health Protect is a comprehensive health insurance plan. The plan has multiple coverage features which are both inbuilt and also optional all rolled into one. Unique inbuilt features include worldwide emergency cover, restoration of Sum Assured, Health Maintenance Benefits. The plan also has various valued added benefits like cumulative bonus, expert opinion in case of a critical illness, healthy rewards and free health check-ups. Optional features include voluntary co-pay, critical illness add-on, etc.
- Cover :₹ 25.0 Lakhs
- Bonus / NCB :Guaranteed Cumulative Bonus of 5% of Sum Insured, max upto 200%, irrespective of whether there is claim or not
- Copay :No copayment
- Claims Settled :99.9%
Category: Health Insurance
Tag: Ayush treatments
100% Cover restoration
100% of Cover amount + Accrued Bonus
Free Health Check-up
-
Daily cash allowance
NA
Ambulance charges
Upto Rs 2000 per hospitalization event
Pre-hospitalisation
Expenses for 60 days covered
No claim bonus
Guaranteed Cumulative Bonus of 5% of Sum Insured, max upto 200%, irrespective of whether there is claim or not
Post hospitalisation
Expenses for 90 days covered
Ayush treatments
In-patient hospitalization covered up to Sum Insured
Maternity
NA
Outpatient Expense
Up to Rs 500
Organ donor expenses
Covered up to Cover Amount + Bonus Accrued
New-born treatment
NA
Domiciliary Hospitalisation
Covers the cost of treatment along with 30 days of pre and post hospitalisation expenses. Available only if the treatment continues for 3 consecutive days.
Recovery allowance
NA
Sum Insured
25 Lakh
E- Consultation
NA
Pros
NA
Guaranteed Cumulative Bonus of 5% of Sum Insured, max upto 200%, irrespective of whether there is claim or not
In-patient hospitalization covered up to Sum Insured
Domiciliary Hospitalisation
Covers the cost of treatment along with 30 days of pre and post hospitalisation expenses. Available only if the treatment continues for 3 consecutive days.
cons
Category: Health Insurance
Tag: Ayush treatments
USP of This Plan
- This plan provides a 5% increase in your sum insured each year maximum up to 200%. You get the bonus irrespective of whether you make a claim or not.
- Under this plan, you are covered for any emergency hospitalization in a foreign country up to the sum insured of your plan.
- This policy provides a discount of up to 20% on the renewal premium
ManipalCigna Pro Health Protect is a comprehensive health insurance plan. The plan has multiple coverage features which are both inbuilt and also optional all rolled into one. Unique inbuilt features include worldwide emergency cover, restoration of Sum Assured, Health Maintenance Benefits. The plan also has various valued added benefits like cumulative bonus, expert opinion in case of a critical illness, healthy rewards and free health check-ups. Optional features include voluntary co-pay, critical illness add-on, etc.
- Cover :₹ 25.0 Lakhs
- Bonus / NCB :Guaranteed Cumulative Bonus of 5% of Sum Insured, max upto 200%, irrespective of whether there is claim or not
- Copay :No copayment
- Claims Settled :99.9%
Our Take
9Expert Score
- This plan provides a 5% increase in your sum insured each year maximum up to 200%. You get the bonus irrespective of whether you make a claim or not.
- Under this plan, you are covered for any emergency hospitalization in a foreign country up to the sum insured of your plan.
- This policy provides a discount of up to 20% on the renewal premium
ManipalCigna Pro Health Protect is a comprehensive health insurance plan. The plan has multiple coverage features which are both inbuilt and also optional all rolled into one. Unique inbuilt features include worldwide emergency cover, restoration of Sum Assured, Health Maintenance Benefits. The plan also has various valued added benefits like cumulative bonus, expert opinion in case of a critical illness, healthy rewards and free health check-ups. Optional features include voluntary co-pay, critical illness add-on, etc.
- Cover :₹ 25.0 Lakhs
- Bonus / NCB :Guaranteed Cumulative Bonus of 5% of Sum Insured, max upto 200%, irrespective of whether there is claim or not
- Copay :No copayment
- Claims Settled :99.9%
Best values score
9
Policy Exclusions :
Any claim other than accidental claims inside 30 day waiting period
Obesity & weight control
Any claim for PEDs made during the waiting period of 36 months for 1 & 2 year policies or 30 months for 3 year policy.
Change of gender treatments
Any claim for specific procedures or diseases during the waiting period of 24 months
Cosmetic or plastic surgery
Investigation & Evaluation
Hazardous or adventure sports
Rest care & rehab outside the limits covered
Breach of law
Alcholism, drug or substance abuse
Excluded providers
Treatment recieved in nature clinics, health hydros, spas, etc and dietary supplements and substances purchase without prescription
Refractive error
Unproven treatments
Sterility, Infertility expenses and Maternity expenses over and above those covered in the policy
Claims settlement
If you go to a non-network hospital, you will have to get the claim settled on reimbursement basis by providing the original bills and documents to the insurer
If you get admitted to a network hospital, you can get a cashless authorization from the insurer and then the insurer will settle the expenses directly with the hospital.
9Expert Score
- This plan provides a 5% increase in your sum insured each year maximum up to 200%. You get the bonus irrespective of whether you make a claim or not.
- Under this plan, you are covered for any emergency hospitalization in a foreign country up to the sum insured of your plan.
- This policy provides a discount of up to 20% on the renewal premium
ManipalCigna Pro Health Protect is a comprehensive health insurance plan. The plan has multiple coverage features which are both inbuilt and also optional all rolled into one. Unique inbuilt features include worldwide emergency cover, restoration of Sum Assured, Health Maintenance Benefits. The plan also has various valued added benefits like cumulative bonus, expert opinion in case of a critical illness, healthy rewards and free health check-ups. Optional features include voluntary co-pay, critical illness add-on, etc.
- Cover :₹ 25.0 Lakhs
- Bonus / NCB :Guaranteed Cumulative Bonus of 5% of Sum Insured, max upto 200%, irrespective of whether there is claim or not
- Copay :No copayment
- Claims Settled :99.9%
Best values score
9
Specification: Manipal Cigna Health Insurance – Pro Health – Protect
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