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ManipalCigna ProHealth Select Health Insurance

307 reviews Rate This
ManipalCigna Health Insurance
ProHealth Select
Cashless Approval TATWithin 2 hours
Claim Settlement Ratio93.40%
Network Hospitals8,900+
Pre-existing Disease Coverage From2 years
Pre-existing Disease Waiting Period2 years
Special BenefitsUnlimited Restoration
Starting Premium (for 5L SI)Rs. 566/month

About ManipalCigna ProHealth Select Health Insurance

ManipalCigna ProHealth Select insurance plan is a comprehensive medical insurance product. It meets your needs by covering expenses incurred in health-related problems. Coming with a wide range of sum insured options up to Rs. 25 Lakh, this policy is available for individuals and families. You can get an additional cover with a Cumulative Bonus Booster of up to 200% irrespective of any claim. Moreover, there is a re-assurance benefit for an automatic extension of the policy for 2 years if you are diagnosed with a Critical Illness or Permanent Total Disability due to an accident.

Going further, ProHealth Select provides special coverage like AYUSH in-patient up to the full sum assured, restoration, reward points with wellness programs for healthy living. The plan provides you with the necessary financial protection for pre and post hospitalisation, inpatient hospitalisation, day care treatment, donor expenses, and domiciliary treatment.

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Key Inclusions and Exclusions of the Plan

What's Included

  • Coverage for self, spouse, children, parents, siblings, parents-in-law, grandparents, uncle, aunt, etc.
  • Floater plan covers spouse, 3 dependent children, dependent parents, maximum 2 adults
  • Pre-existing diseases coverage after 4 years of continuous renewal of the policy
  • Pre and post-hospitalisation for 60 and 90 days respectively
  • Inpatient hospitalisation, day care treatment, donor expenses, and domiciliary treatment

What's Not Included

  • Medical expenses due to suicide or drug abuse
  • Medical expenses incurred in HIV/AIDS and its complications
  • Insanity, congenital diseases, weight control treatments, and cosmetic surgery
  • Medical expenses for genetic disorder and stem cell implantation/surgery
  • Expenses incurred in dental treatment, dentures or surgery
  • Any loss due to childbirth or pregnancy

8674 ManipalCigna Cashless Network Hospitals in India

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ProHealth Select User Reviews

4.7
Rating based on
307 User reviews
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What users are saying
  • All
  • Fast renewal

    Renewing Manipal Cigna’s ProHealth select plan on InsuranceDekho was streamlined. I gave the details of my existing plan before regenerating my quote. To make sure that I am getting the best premium, I compared it with other options. Finally, I made the payment. It was a fast process.

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    S
    By Sudarshana Dutta
    On: Feb 12, 2021
  • Various policy types

    InsuranceDekho offers various types of policies to its customers. Family floater, individual, group health plans can be purchased within a fixed budget. I am glad to choose Manipal Cigna’s ProHealth Select plan. It is a comprehensive plan that covers expenses of all health-related issues.

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    R
    By Rooposhri Chakrabarty
    On: Feb 08, 2021
  • Information on business volume...

    Information on the business volumes of an insurance company refers to how many policies have been sold. This reflects on the performance of the respective insurance company. Before choosing Manipal Cigna’s ProHealth Select plan, I referred to their business volume on InsuranceDekho.

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    S
    By Sayan Adhikary
    On: Feb 05, 2021
  • Huge customer support

    I landed on InsuranceDekho and generated my quotes within a few seconds. I had multiple quotes and I did not know how I could compare. I contacted the support team and they stepped up to help. Thanks to their on-time support, booking Manipal Cigna’s ProHealth Select plan was feasible.

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    R
    By Ritanya Goswami
    On: Feb 02, 2021
  • Reasonable premiums

    If you are looking for reasonable health insurance premiums, you must pay a visit to InsuranceDekho. The policies offered here are designed skillfully so that the customers get the best benefits without having to exceed their budget. My Manipal Cigna’s Pro Health plan is compatible with my purpose and completely reasonable.

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    R
    By Rekha Bakshi
    On: Jan 28, 2021
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Add-ons to Enhance Benefits

  • Critical Illness

    CignaTTK ProHealth Select insurance plan also comes with Critical Illness add-on cover. To get this add on cover, it is advisable to ask for the proposal form and prospectus of the same when purchasing the ProHealth Select policy. 

ManipalCigna ProHealth Select Expert Review

  • Expert Review

    No matter how much you earn, one medical emergency can dig a hole in your pocket. If the treatment is advanced and prolonged, you can lose almost all of your savings in a snap. To beat the soaring medical expenses, owning a comprehensive health insurance plan is the best way out. The Manipal Cigna Pro-Health Select Plan acquires the characteristics of a great plan and holds the potential to meet the requirements of the policyholders.

    There are two requirements to acquire this policy. One, you should be an Indian citizen and second, you must be above the age of 18 years to get covered under this policy. It can be bought on an individual or a family floater basis. If purchased on a family floater basis, the plan covers several relations such as self, spouse, kids, parents, siblings, grandparents, aunt, uncle, parents-in-law, and so on. From among these, spouse, 3 dependent kids, and maximum 2 adults can be covered under the plan.

     

  • Major Attractions

    It takes a lot of features in the plan to impress the customers. Also, despite having many, the lack of a few elements can make the policy go unsold. However, the Pro-Health Select Policy by Manipal Cigna holds a complete package of components for the policyholders to offer them a comprehensive health cover. Some highlights of the plan are as follows:

    • In-patient hospitalisation expenses of insured individuals
    • Pre and post hospitalisation cost for 60 days and 90 days
    • Daycare procedures and surgeries are covered under the policy
    • Costs incurred on worldwide emergency treatment are covered
    • Coverage for ambulance expenses to transport a patient to the hospital
    • Domiciliary treatment cover, if treatment continues for at least 3 days
    • Coverage for an organ donor for harvesting organ during transplantation
    • Cover for Ayush treatments like Ayurveda, Naturopathy, Homeopathy etc.

  • What’s More?

    Pro-Health Select Plan is equipped with some other features that help policyholders to save some money and find the plan affordable. The additional benefits included in the plan are as follows:

    • The plan offers renewability options for lifetime
    • Earn reward points equivalent to 1% on the premium paid
    • Tax benefits can be gained on the premium paid as per the section 80D of IT Act
    • 100% of the sum insured is restored, if the sum insured and cumulative bonus becomes insufficient

  • Conclusion

    The policy holds several coverage features which makes it a great plan for everyone. If anyone is seeking to have a health insurance plan stuffed with attractive elements such as affordability, network hospitals, sum insured restoration, and so on, the Pro-Health Select is the most suitable choice without a question.

    Purchasing the right product from a wrong shop can make you feel regretted later, as the product might be damaged, the price could be high, after sale services could be absent and so on. Similarly, health insurance policies are also required to be purchased from an authentic or reliable insurer. InsuranceDekho is a perfect option for buying the policy online as it offers help in choosing a plan through comparison with the schemes of different insurers, assists in claim settlement procedure, and so on.

ManipalCigna ProHealth Select Brochure

  • 195.18 KB
  • PDF Document
  • Apr 23, 2019
Download PDF

Claim Process at ManipalCigna Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 48 hours and for planned hospitalisation intimate within 3 days prior to admission.
  • 3

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 4

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 48 hours and for planned hospitalisation intimate within 3 days prior to admission.
  • 3

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 4

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.

FAQs on ProHealth Select Health Insurance Plan

  • What is the number of claims I can make under the CignaTTK Pro-Health Select insurance plan?

    There is no limit on the number of claims you can make under the Pro-Health Select insurance plan. However, the sum insured is limited.

  • How much time does it likely take to process a claim?

    CignaTTK generally takes 5 working days to approve or disapprove a claim. It does not take more than one month to settle a claim.

  • What are the sum insured options available under the Pro-Health Select insurance policy?

    Under the Select A plan, the sum insured is Rs. 0.5 Lakh, Rs. 1 Lakh, Rs. 2 Lakh, Rs. 3 Lakh, Rs. 4 Lakh, Rs. 5 Lakh, Rs. 7 Lakh, Rs. 10 Lakh, Rs. 15 Lakh, Rs. 20 Lakh, Rs. 25 Lakh. On the other hand, the sum insured under the Select B plan is Rs. 2 Lakh, Rs. 3 Lakh, Rs. 4 Lakh, Rs. 5 Lakh, Rs. 7 Lakh, Rs. 10 Lakh, Rs. 15 Lakh, Rs. 20 Lakh, Rs. 25 Lakh.

  • What is the minimum entry age to buy the Pro-Health Select insurance policy?

    For Pro-Health Select insurance policy, 91 days is the minimum entry age for children and 18 years for adults. When it comes to Critical Illness add-on, the minimum entry age is 18 years and maximum of 65 years. There is no cover for persons between the age group of 18 to 23 years, who are covered as "child."

  • Is there lifetime renewal opportunity under the ProHealth Select plan?

    Yes, the ProHealth Select plan offers lifetime renewal opportunity.

  • Is the portability option available?

    Yes, you are able to port your existing health insurance to the ProHealth Select plan. However, you need to be covered under an Indian Health Retail policy from a non-life insurance company.

  • Who are the family members covered by the ProHealth Select plan of CignaTTK?

    If you select an individual plan, then you can choose to cover self, spouse, children, siblings, parents, parents-in-law, son-in-law, grandparents, grandchildren, daughter-in-law, aunt, uncle, nephew & niece. On the other hand, if you select a floater plan, then you can cover yourself, spouse, dependent children up to the age of 23 years or dependent parents. The plan can also cover a maximum of 2 adults and 3 dependent children.

  • What is the term period of the ProHealth Select plan?

    You can buy the policy either for 1 year, 2 year or 3 year term.

  • Is AYUSH cover available under the ProHealth Select plan?

    Yes, the ProHealth Select plan offers coverage for AYUSH treatment. It covers in-patient treatment expenses towards non-allopathic treatments like Ayurveda, Naturopathy, Yoga, Unani, Siddha, and Homeopathy.

  • Can I buy ProHealth Select plan online?

    Yes, you can buy the policy online at CignaTTK website. You can also call InsuranceDekho toll-free number 1800-120-5698.

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