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ManipalCigna ProHealth Select
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*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply

ManipalCigna ProHealth Select

Health insurance policies such as ManipalCigna ProHealth Select comes in handy in covering those unplanned expenses arising out of a hospitalisation due to surgery, critical illnesses, prescription drug, accidental injuries, maternity and childcare, and accidental dental expenses etc. incurred by the policyholder. It can be taken by an individual or a family. It helps relieve the policyholder of the financial stress he/she may go through in case of any medical contingency which has not been planned and which could hurt the savings greatly. However, it is always recommended to research about health insurance companies and study their health plans thoroughly before settling for the best one.

What’s ManipalCigna ProHealth Select Plan?

This insurance plan provided by Manipal Cigna provides vast and exclusive coverage with an array of the sum insured choices and a multitude of facilities and amenities to the policyholder. This plan offers individual as well as family floater variants. This plan is popular as it not only secures the financial needs due to medical contingencies but also protects the future expenses of the insured. One of the best features of this policy is its reassurance benefit which automatically extends the policy for up to two years without paying any extra premium in case the insured is diagnosed with a critical illness or permanent total disability due to an accident.

Features of the ManipalCigna ProHealth Select Insurance Plan

Some of the alluring features of this plan are:

  • Room rent Facility– Eligibility to avail a single private room under this plan.
  • Co-Payment– The insured has the facility of co-payment of 10% or 20% of the total cost of the medical expense in accordance with the zone and treatment incurred.
  • Restoration Benefit– Restoration up to 100% of the basic sum insured is allowed.
  • Grace Period– When the policy reaches the expiry date, it needs to be renewed immediately. A Grace Period of 30 days is granted to the policyholder within which it is mandatory to pay the renewal amount and extend the benefits and coverage of the insurance plan or else it may stand lapsed, and a fresh policy may have to be re-issued.
  • Free Look Period– As soon as the purchase of the insurance plan is made, a free look period of 15 days is granted to the insured. In case the insured changes his/her mind and does not want to go ahead with the policy, the can be cancelled, and the person will be eligible for a full refund of the premium paid towards the purchase.
  • Portability Option- The insured has the advantage to port his/her existing policy to another insurance company and change the vendor as per his choice.
  • Income Tax Benefit– The Premium paid by the policyholder towards the ManipalCigna ProHealth Select Insurance Plan is subject to tax exemption under section80D of the Indian Income Tax Act, 1961. It is also subject to change as per the changing norms, laws, and rules of the Act.
  • Pre-Insurance Medical Screening– Any person who is above the age of 45 will have to go through a medical examination before purchasing the policy, and the premium on the policy will be fixed in accordance with the test reports.

Benefits of the ManipalCigna ProHealth Select Plan

The exclusive benefits offered to the policyholders under the ManipalCigna ProHealth Select insurance plan are categorized below:

Basic Benefits and Coverage

Sum Insured

Rs 0.5 to 25 Lakh

In-patient Hospitalization



The insured needs to be admitted in the hospital for more than 24 hours to avail this benefit which includes all expenses and treatments incurred on his medical ailment.

Basic Benefits: - Hospital room up to Rs 3000 or ICU up to Rs 7000




Medical expenses that have been incurred 60 days prior to the hospitalization of the insured will be covered under this plan


Post Hospitalization



Medical expenses that have been incurred 90 days after the hospitalization of the insured will be covered under this plan


Day-care Treatment


171 procedures, covered up to the full sum insured in case of the hospitalization due to any surgery or medical treatment is less than 24 hours


Domiciliary Treatment


Covered up to the full sum insured with the condition that it should be recommended by a medical practitioner and if there is no room available for conducting the treatment. Also applicable in case the insured is not in a position to move to hospitals and avails medical treatment at home under the supervision of a professional


Ambulance Cover


In case of an emergency, up to Rs 2,000 per hospitalization event can be covered


Organ Donor Expenses


Covered up to sum insured covering all medical expenses of an organ donor

Restoration of Sum Insured


Available once in a policy year up to 100% of sum insured, which is quite beneficial for multiple claims



Coverage for non-allopathic medical treatments like:

Ayurvedic treatment, Yoga and Naturopathy, Unani, Siddha & Homeopathy up to the total value of the Sum Insured. The condition is that it should be availed from a recognized institute or government-owned centre


Value Added Coverage and Benefits

Cumulative Bonus


If there is no claim in the whole year, then an additional 5% is added to the sum insured of the next year during the policy renewal process up to 100% on the non-reducing basis


Healthy Rewards

There are many kinds of reward points that one can earn through these policies:

Rewards point up to 1% of the premium paid each year


• Reward Points earned by completing Wellness Programs

Each reward point holds the value of Rs 1

And can be redeemed as premium in discount/saving or for availing other health-related services


Optional Coverage and Benefits



1, 2, 3, 4, 5 Lakh in all combinations provided the Deductible up to Rs 25 lakh of the sum insured

Cumulative Booster Bonus (choice of any one of the given options)

• 10% enhancing Sum Insured, up to 100%

• 25% enhancing Sum Insured, up to 100%

• 50% enhancing Sum Insured, up to 100%.


· Sum Insured will not be reduced in any case, but the bonus will reduce by 50% in case of any claim made.

• 10% enhancing Sum Insured, up to 200% irrespective of a claim under the policy

Removal of Room Rent Limit


Covered up to Single Private Room



Auto-extension of policy for 2 years on the detection of a Critical Illness or PTD (Permanent Total Disability) due to Accident


Add-on Cover/Rider


Critical Illness Add-on cover

Voluntary Co-Payment


Health Check-Up


Annual Health check-up is available for anyone who is above 18 years of age


Worldwide Emergency cover


Disease-Specific Sub Limit


For diseases like hernia, cataract, urinary system, hysterectomy etc. a sub-limit is set which needs to refer to the policy document


Savings Provided under ManipalCigna ProHealth Select Insurance Policy

Many kinds of savings on premiums are available under this policy like:

  • Portfolio savings
  • Family savings
  • Long-term savings – 7.5% savings for a policy of two years and 10% savings for a policy of 3 years is available.
  • 10% savings when a policy covers more than 2 people with the individual sum insured.

Waiting Period

The following options are applicable to the waiting period:

  • A waiting period of the first 30 days is applicable for all kinds of illnesses except accidents.
  • A waiting period of 24 months is applicable to particular diseases.
  • A waiting period of 48 months for pre-existing diseases.
  • A waiting period of 90 days is applicable for any kind of critical illness under re-assurance rider and add-on cover rider if opted for.

Types of ManipalCigna ProHealth Select Policies

There are two plans under this particular insurance policy:

Type of Plan

Sum Insured Options

• ProHealth Select (A) Plan


Plan A – Rs 0.5, 1, 2, 3, 4, 5, 7, 10, 15, 20, 25 Lakh


• ProHealth Select (B) Plan


Plan B – 2, 3, 4, 7, 10, 15, 20, 25 Lakh


Exclusions of ManipalCigna ProHealth Select Insurance Policy

This policy does not cover any costs regarding:

  • HIV/AIDS and its complications
  • Suicide or drug abuse
  • Stem cell implantation or surgery
  • War activity
  • Illegal activity
  • Birth control, miscarriages, contraceptives

Eligibility Criteria to Purchase ManipalCigna ProHealth Select Insurance Policy

The minimum eligibility criteria to buy this policy are:



Minimum Age of Entry

91 days

Maximum Age of Dependent Children

23 years

Maximum Age for Adults

65 years

Number of People eligible in a Family Floater Plan

Self, Spouse, 3 dependent children, dependent parents and dependent parents – in - law

Tenure of the Policy

1, 2, or 3 years

 How to Claim ManipalCigna ProHealth Select Insurance?

To claim the policy under ManipalCigna health insurance, the insured must follow the below steps:

For Cashless Claims

Cashless claims are to be registered only if the treatment is taken from a network hospital.

  • Inform the insurer within 48 hours.
  • Show the health card and id proof at the hospital desk.
  • The insurance company will authorize the documentation and hospitalization details.
  • After receiving the approval from the insurer, cashless claims will be processed.

For Reimbursement Claims

If the policyholder avails the treatment from a non-registered hospital, then the insured has to file a reimbursement claim:

 The insurer needs to settle the medical expenses on his own at the time of discharge.

  • He/she further needs to fill the claim form and attach all the necessary documentation.
  • After submission and verification of documents, the claim process will be initiated from the insurer's end.
  • Approval from the insurance company will be received.
  • After the approval, the insured will receive the reimbursed amount in his account through EFT.

How to Purchase ManipalCigna ProHealth Select Insurance Policy?

The applicant has three options to buy a health insurance policy:

  • He/she can visit the nearest local branch of the insurance company and apply for the health plan physically after studying various plans and policies of the company.
  • The applicant can contact a TPA or a professional representative of the insurance company and get his policy.
  • The best, simplest, and the most convenient way to buy a policy is to purchase it online after manually filling an online proposal form with, entering personal details, making an online payment after accepting the terms and conditions, and then finally receiving the policy document which comes into force  on the email Id of the applicant.

Documents Required to Purchase ManipalCigna ProHealth Select Insurance Policy

The below documents are required in order to buy this policy:

  • Age Proof
  • Salary proof
  • Address Proof
  • Identity proof
  • Medical Screening certificate if applicable

Renewal of ManipalCigna ProHealth Select Insurance Policy

Lifetime renewability option is provided under this ManipalCIgna health insurance plan, and the policyholder can easily renew the policy online with by just entering his personal details and his policy number. The premium once paid online will activate the renewed policy and the no extra information will be asked from the policyholder. 


Written By: Paisawiki - Updated: 09 April 2021

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