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Manipal Cigna ProHealth (Protect) logo

Manipal Cigna ProHealth (Protect)

Introduction to Manipal Cigna ProHealth (Protect)

Manipal Cigna ProHealth (Protect) is a health insurance policy offered by Manipal Cigna Health Insurance. A health insurance plan promises to pay for hospitalization expenses as well as expenses incurred before and after a hospitalization. Manipal Cigna’s ProHealth (Protect) Plan is a robust, comprehensive, and affordable health insurance plan that provides highly flexible coverage and a variety of benefits and features to meet your medical needs. 

Verdict: Manipal Cigna ProHealth (Protect)

This plan is quite easy on the pocket. However, while it covers hospitalization and related expenses, OPD expenses such as medicines, tests, consultations, etc., it does not cover maternity expenses, infertility treatment expenses, and so on. It also does not provide an option to make monthly premium payments. And, our research suggests that the insurer has received a higher number of claim settlement and policy purchase complaints. This means that the insurer has a poor track record in terms of both purchase and claims service.

Pros & Cons: Manipal Cigna ProHealth (Protect)

  • arrow Slightly cheaper than other products in the market
  • arrow Covers outpatient department costs, such as medications, tests, consultations, etc.
  • 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 (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 Manipal Cigna Health Insurance Company Limited

Manipal Cigna Health Insurance Company Limited logo

Manipal Cigna 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
2014
JV Partners
Manipal Group and Cigna Corporation
Turnover (GWP)
919.02 Crores
Number of Policies
3,32,938
Number of Claims
3,46,172

Detailed Product Specs: Manipal Cigna ProHealth (Protect)

Claims Experience advisor
Customer Service advisor
Product Benefits advisor
Limits and Exclusions advisor
% of claims settled in less than 30 days
Reflects on the speed of settling valid claims
98.69%
% of Complaints received on overall claims
% customers unhappy with claims experience
0.31%
Claims Incurred Ratio
77.07%
Claim Settlement Ratio (No. of claims)
What % of the claims received were paid?
88.68%
No. of Cashless Hospitals
7,500+
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