By ManipalCigna Health Insurance Company
Indicative premium for a family of 4 with ₹10 Lakh cover. Actual premium varies by age, city, and cover amount.
Why ManipalCigna ProHealth Prime is worth a closer look
Sum insured restores automatically, in full, an unlimited number of times per policy year — no single-restoration cap.
Higher sum insured variants include cover for sudden medical emergencies while travelling outside India — useful for frequent international travellers.
Optional cover for outpatient consultations, diagnostics and pharmacy bills, plus a wellness programme rewarding healthy habits at renewal.
Higher-tier variants remove room rent sub-limits, avoiding proportionate deductions on the rest of your hospital bill.
Sum insured increases for every claim-free year, rewarding healthy policyholders with growing cover at no extra premium.
Full cover for all IRDAI-recognised day-care treatments that don't require 24-hour hospitalisation.
Maternity and new-born cover available as an optional add-on after the applicable waiting period.
8,500+ network hospitals across India offering cashless admission, reducing upfront out-of-pocket payment at claim time.
Full breakdown of inclusions and exclusions in ManipalCigna ProHealth Prime
| Coverage Feature | Details | Status |
|---|---|---|
| In-patient Hospitalisation | All hospitalisation above 24 hours | Fully Covered |
| Pre-hospitalisation | 60 days before admission | Covered |
| Post-hospitalisation | 180 days after discharge | Covered |
| Day-care Procedures | All 541 IRDAI-listed procedures | Fully Covered |
| Room Rent | No cap on select higher-tier variants | Variant-Dependent |
| Restoration Benefit | Automatic, unlimited per policy year | Unlimited |
| No Claim Bonus | Sum insured grows for claim-free years | Covered |
| Worldwide Emergency Cover | Higher sum insured variants only | Variant-Dependent |
| OPD Cover | Available as an optional add-on | Add-on |
| Wellness Programme | Premium discount for healthy habits at renewal | Covered |
| Maternity Cover | Optional add-on, after waiting period | Add-on |
| New-born Cover | Linked to maternity add-on | Add-on |
| Claim Settlement | ~93.7% claim settlement ratio (3-yr avg) | Verified |
| Road Ambulance | Per hospitalisation | Covered |
| Domiciliary Hospitalisation | Doctor-recommended home treatment | Covered |
| AYUSH Treatments | At recognised AYUSH hospitals | Covered |
| Pre-existing Diseases | After 3-year waiting period | 3-yr Wait |
| Cosmetic Surgery | Unless due to accident or disease | Excluded |
Exact features vary by variant (Prime/Plus/Protect) and sum insured selected — always confirm the specific benefit schedule for your chosen variant before buying.
Profiles best matched to ProHealth Prime
Unlimited automatic restoration makes this a strong pick for families where more than one member could realistically need hospitalisation in the same policy year.
Worldwide emergency cover on higher-tier variants suits professionals who travel abroad often and want continuity of cover during trips.
The optional OPD add-on appeals to buyers who want day-to-day consultation and diagnostic costs covered, not just major hospitalisation.
The wellness programme's renewal discount rewards policyholders who maintain healthy habits, making it attractive for fitness-focused buyers.
An honest assessment of ManipalCigna ProHealth Prime
Common queries about ManipalCigna ProHealth Prime
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