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ManipalCigna ProHealth Prime (Protect)

Introduction to ManipalCigna ProHealth Prime (Protect)

Manipal Cigna ProHealth Prime (Protect) is a health insurance policy offered by Manipal Cigna Health Insurance. A health insurance plan is essentially a hospitalization cover that promises to pay the costs incurred during hospitalization, as well as expenses incurred prior to and after a hospitalization. Manipal Cigna’s ProHealth Prime (Protect) Plan is a health insurance solution for all your medical requirements. It offers comprehensive coverage and is customizable as per your needs. 

Verdict: ManipalCigna ProHealth Prime (Protect)

This plan hits the sweet spot with its affordable pricing and some unique features/benefits. It is a perfect choice if you are looking for a plan that offers comprehensive protection and is easy on the pocket. Besides hospitalization and related expenses, it covers a range of expenses including maternity expenses, infertility treatment expenses, cost of consumable items, and so on. What's more, is that the plan also allows multiple options so that you can get discounts on your premium. On the flip side, however, the plan doesn't provide the monthly premium payment option. And, the insurer has received a higher number of claim settlement as well as policy purchase complaints - as per our research. This implies that the insurer has a poor track record in terms of both purchase and claims service experience.

Pros & Cons: ManipalCigna ProHealth Prime (Protect)

  • arrow Slightly cheaper than other products in the market
  • arrow No restrictions on the type of hospital room you choose
  • arrow Covers Bariatric surgery for weight loss
  • arrow Covers expenses associated with pregnancy
  • arrow Covers non-medical expenses or the cost of consumables such as gloves, oxygen masks, nebulization kits, etc.
  • arrow Covers expenses related to infertility treatment
  • arrow Multiple options available for getting premium discounts
  • arrow Much costlier that other products in the market
  • 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: ManipalCigna ProHealth Prime (Protect)

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 screening, consulting or treating 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)
919.02 Crores
Number of Policies
Number of Claims

Detailed Product Specs: ManipalCigna ProHealth Prime (Protect)

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 January 2023. All data has been sourced from product brochures, policy wordings, prospectus, public disclosures (FY 2021-2022), insurer websites, and the IRDAI website.
  2. Only plans that are currently available for purchase online have been considered.
  3. For now, we have considered the most comprehensive plans from leading insurance companies. We will keep updating the Decoder Pages with new plans in the coming days.
  4. The affordability of the plans is assessed using premiums for a family of two adults and one child. And, the premiums are as of 31st December 2022.
  5. The product benefits section is based on a sum insured of ₹10 Lakhs and only highlights the top benefits and features of the plans. We will keep updating the Decoder Pages with new benefits and features periodically.
  6. Only those hidden and special conditions that apply to the benefits and features we have considered are included in the Decoder Pages. 
  7. The Decoder Pages only include the most significant specific exclusions under each plan.
  8. The Decoder Pages do not include any generic terms, conditions, or exclusions (those that are the same and apply to all health insurance plans).
  9. 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). 
  10. The claims experience data has been sourced from insurance company websites and public disclosures as of March 31, 2022.
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