Overview
The Manipal Cigna ProHealth Select plan is an economical and customizable health insurance policy offering sum insured options from ₹0.5 lakh to ₹25 lakh. The plan features restoration of the sum insured [Available once in a policy year for unrelated illnesses in addition to the Sum Insured opted for]. Available for all Sum Insureds except ₹50,000 and ₹1,00,000], non-reducing cumulative bonuses [5% each year, maximum up to 100%], and optional add-ons like deductibles and health check-ups, making it suitable for budget-conscious individuals seeking flexible coverage.
Experts Review
Written by Nikhil Nair
Senior Writer
The Manipal Cigna ProHealth Select plan is a cost-effective health insurance option that allows policyholders to tailor coverage according to their needs. Its key USP is the flexibility to customize sum insured, deductibles, and add-ons such as critical illness riders. The plan offers restoration of the sum insured once per policy year and a non-reducing cumulative bonus of 5% annually up to 100%, which can enhance coverage over time.
The plan doesn’t have any co-payment or disease-wise sub-limits; however, the plan imposes a room rent limit of 2% of SI, max up to ₹3,000, and ICU charges capped at 4% of SI, max up to ₹7,000, which may lead to out-of-pocket expenses if higher room categories are chosen. The waiting period for pre-existing diseases is three years, which is standard but longer than some premium plans.
Compared to other Manipal Cigna ProHealth variants, ProHealth Select is more affordable but offers lower sum insured limits and stricter room rent caps. Premiums are generally 20-30% lower than these higher-tier plans, making it attractive for budget-conscious buyers.
Pros
Feature set is satisfactory.
Insurer has a solid track record with great claim and service metrics.
Cons
Some Restoration Benefit, which is a notable gap.
Underwhelming bonus feature, which could be a drawback for some.
Your insurer doesn’t provide free health check-ups, which is a key feature.
Manipal Cigna
Key Insights
Founded
2014
Manipal Cigna was established 11 years ago, making it a relatively new entrant with a developing track record.
Claims Experience
91% claims settled in 30 Days
Manipal Cigna settles 91% of all claims it receives demonstrating strong credibility.
Network Hospitals
8,500+
Manipal Cigna maintains a moderate network of 8,500 hospitals, offering reasonable coverage across key locations.
Complaints
24 complaints per 10,000 claims registered
Manipal Cigna experiences a moderate number of complaints, indicating room for improvement in addressing customer concerns.
Features
All
Great
Good
Bad
Co-payment
The insurer will bear the entire cost of treatment (up to the sum insured). You won’t have to pay a single penny. Meaning this policy has no co-payment.
Room Rent
Your insurer won’t let you stay in a room whose rent exceeds ₹3,000. In case of ICU, it can be upto ₹7,000. But in the event, you breach this limit, get ready to pay a lot more.
Customisable
Changes room rent from ₹3000/day to Single Private room.
Disease sub-limit
No funny business here. If your insurer hasn’t explicitly stated they won’t cover a certain illness, you can claim the full amount up to the sum insured, irrespective of the disease you’re dealing with. Meaning this policy doesn't impose the dreaded disease wise sub-limits.
Pre existing diseases waiting
If you’re already dealing with diabetes, cardiovascular problems or any such illnesses, the insurer will cover all costs arising out of these pre-existing problems after you wait for 3 years.
Pre/Post hospitalization
No worries if the doctor had to run a host of diagnostic tests before or after hospitalizing you. The insurer has your back. They will cover this amount in full for a pretty reasonable duration - 60 days before you are hospitalized and 90 days after discharge. This includes the cost of medication by the way.
Add-ons
Cumulative Bonus Booster
Recommended
Replaces existing bonus of 5% to either 10%, 20% or 50% up to a maximum of 100% or 200%, irrespective of any claim in the previous year.
ManipalCigna Health 360 Shield
Recommended
Covers list of 68 non-medical items as per list I upto ₹1,00,000.
Critical Illness
Get a lump sum payment in the event you are diagnosed with critical illnesses outlined in the policy document.
Room Rent Modifier
Changes room rent from ₹3000/day to Single Private room.
ManipalCigna Health 360 OPD cover
Get coverage for outpatient and e-consultations i.e. doctor visits along with coverage for prescribed diagnostics and pharmacy based on the option taken.
Aggregate Deductible
Choose deductible between ₹1,00,000 and ₹5,00,000 and get a discount on premiums.
Re-Assurance
Extend the policy tenure for 2 years on diagnosis of a Critical Illness or Permanent Total Disability due to accident.
Permanent Exclusions
Conditions or treatments that the policy clearly says it will not cover.
Expenses related to any admission primarily for diagnostics and evaluation purposes are excluded.
Diagnostic expenses not related or incidental to current diagnosis and treatment are excluded.
Expenses for admission primarily for bed rest and not for treatment are excluded.
Custodial care at home or in a facility for help with daily activities is excluded.
Services for terminally ill individuals addressing non-medical needs are excluded.
Disclaimer: For illustration purposes only - exact terms are in the policy wording.
Specific Illness
The following illnesses are not covered under the policy for 2 years.
Cataract
Hysterectomy for Menorrhagia or Fibromyoma or prolapse of Uterus unless necessitated by malignancy, myomectomy for fibroids
Knee Replacement Surgery (other than caused by an Accident), Non-infectious Arthritis, Gout, Rheumatism
Oestoarthritis and Osteoposrosis, Joint Replacement Surgery (other than caused by Accident), Prolapse of Intervertibral discs (other than caused by Accident)
All Vertibrae Disorders, including but not limited to Spondylitis, Spondylosis, Spondylolisthesis, Congenital Internal
Waiting Period
30 days Initial waiting period
2 years Specific illness waiting period
3 years Pre-existing disease waiting period
Ditto's Take
◦ Standard ◦
After a close look at the waiting periods, it’s safe to say they are fairly standard.
What's missing in the policy
Some Restoration Benefit.
Underwhelming bonus feature.
Your insurer doesn’t provide free health check-ups.
Maternity benefits not offered.
Doctor consultations are not covered. Need to opt add-on for doctor consultations.
Customer Reviews
A
Ajay Ghosal
Flexibility to customize sum insured and deductibles is the best part of ProHealth Select.
S
Sneha Reddy
Restoration of sum insured (once per year) is a useful feature for a budget plan.
R
Rajesh Kumar
Non-reducing cumulative bonus of 5% annually is a decent long-term benefit.
R
Ritu Sharma
Waiting period for PEDs is three years, which is standard but not great.
M
Meena Krishnan
Room rent limit of ₹3,000 and ICU charges capped at ₹7,000 are very restrictive. Can lead to high OOP.
D
Divya Menon
Good for individuals looking for basic, customizable coverage.
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Frequently Asked Questions
Does ProHealth Select have waiting periods?
- 30-Day Waiting Period: Hospitalizations won’t be covered for the first 30 days of the policy unless it’s an accident.
- Specific Illness Waiting Period: There’s a 2-year waiting period for a list of diseases which is a mandate before you can start claiming.
- Pre-Existing Disease Waiting Period: There's a 3-year waiting period for any pre-existing disease you may have while buying the policy.
Does ProHealth Select have room rent restrictions?
Does ProHealth Select offer a restoration benefit?
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