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Manipal Cigna ProHealth Prime (Active)

Introduction to Manipal Cigna ProHealth Prime (Active)

Manipal Cigna ProHealth Prime (Active) is a health insurance policy offered by Manipal Cigna Health Insurance Company. A health insurance plan serves as a protective shield for your savings and healthcare needs, allowing you to lead a happy and fulfilling life. With Manipal Cigna's ProHealth Prime (Active) Plan, you can enjoy peace of mind, knowing that essential medical care will be taken care of, without the worry of unexpected financial burdens from medical expenses. It offers several unique benefits and features, including coverage for certain pre-existing diseases like diabetes, hypertension, etc. from the 91st day onwards, making it a preferred choice among individuals.

Verdict: Manipal Cigna ProHealth Prime (Active)

This plan covers hospitalization and related expenses as well as several other expenses including the cost of consumable items like gloves, oxygen masks, etc. One distinct feature of the plan is that it offers coverage for certain pre-existing conditions, like hypertension, diabetes, etc. from the 91st day. Additionally, the plan provides global coverage for emergency accidental hospitalization expenses and is quite easy on the pocket. On the flip side, it does not offer the option for monthly premium payments. Further, our research indicates that the insurer has received a higher number of claim settlement and policy purchase complaints. This indicates that the insurer has a poor track record with respect to both purchase and claims service.

Pros & Cons: Manipal Cigna ProHealth Prime (Active)

  • arrow Cheaper than other products in the market
  • arrow Asthma, Diabetes, Hypertension, Dyslipidemia, Obesity related conditions are covered from 91st day
  • arrow Discount available on pharmacy, diagnostics & health supplements if purchased from network providers
  • arrow Offers global emergency accidental hospitalization coverage
  • arrow Limitations on the type of hospital room you choose
  • arrow Monthly premium payment mode not available
  • arrow Received higher number of complaints during policy purchase compared to other insurers
  • arrow Received higher number of complaints on claim settlement compared to other insurers
  • arrow Our study observed their responses on Twitter to be relatively slower than other insurers

Specific Exclusions: Manipal Cigna ProHealth Prime (Active)

01 Dental treatment except for treatment required due to an accident
02 Circumcision unless necessary for treating a disease or injury
03 Instruments used in treatment for sleep disorders
04 Expenses for treatment related to external birth defects
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About ManipalCigna Health Insurance Company Limited

ManipalCigna Health Insurance Company Limited logo

ManipalCigna Health Insurance, a joint venture between the Manipal Group and Cigna Corporation, is a standalone health insurance company in India. The company provides a wide range of insurance products comprising individual insurance, family floater, critical illness, personal accident, group health insurance, and hospital cash policies, among others to meet the diverse needs of customers. It was founded in 1994 and is headquartered in Mumbai, Maharashtra. Mr. Prasun Sikdar is the company's CEO and MD.

Founded in
JV Partners
Manipal Group and Cigna Corporation
Turnover (GWP)
402.44 Crores
Number of Policies
Number of Claims

Detailed Product Specs: Manipal Cigna ProHealth Prime (Active)

Claims Experience advisor
Customer Service advisor
Product Benefits (10L Sum Insured) advisor
Limits and Exclusions advisor
% of claims settled in less than 30 days
Reflects on the speed of settling valid claims
% of Complaints received on overall claims
% customers unhappy with claims experience
Claims Incurred Ratio
Claim Settlement Ratio (No. of claims)
What % of the claims received were paid?
No. of Cashless Hospitals

  1. The health insurance data was last updated in June 2023. All data has been sourced from product brochures, policy wordings, prospectus, public disclosures (Q1, FY 2023-2024), IRDAI annual report (2021-22), insurer websites, and the IRDAI website. 
  2. For now, we have considered the most comprehensive plans from leading insurance companies. We will keep updating the product pages with new plans in the coming days.
  3. We have rated only those plans that can be serviced by individual advisors. This is because of our strong belief that health insurance customers need professional assistance from individual advisors before and after purchase. We do not recommend and hence do not rate direct-to-customer health insurance plans or plans where there aren't enough advisors available to service. 
  4. Affordability assessment of plans: 
    • The affordability of comprehensive plans is assessed using premiums for a family of two adults (30 years old) and one child (1 year old) residing in Zone 1 opting for a cover of ₹10 Lakhs. And, the premiums are as of 31st June 2023.
    • The affordability of Care Freedom Plan is assessed using premiums for a 30-year-old male residing in Zone 1 opting for a cover of ₹5 Lakhs. And, the premiums are as of 31st June 2023.
  5. The product benefits section is based on a sum insured of ₹10 Lakhs and only highlights the top benefits and features of health insurance plans. 
  6. Only those hidden and special conditions that apply to the benefits and features we have considered are included in the product pages. 
  7. The product pages only include the most significant specific exclusions under each plan.
  8. The product pages do not include any generic terms, conditions, or exclusions (those that are the same and apply to all health insurance plans).
  9. If the policy wording, brochure, or prospectus state that a benefit/feature is available with a specific plan but it is not available online when generating the premium quote, we have not considered that benefit/feature to be available with the plan.
  10. The response time on Twitter (Beta) was calculated using a sample set of tweets from April, May, and June 2022 (analyzed in August, September, and October 2022). 
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