ManipalCigna Health Insurance Company Limited
ProHealth Insurance (all variants — Protect / Plus / Preferred / Premier / Accumulate)
UIN MCIHLIP24011V072324We don't sell this — we'll still recommend if it fits
The dealbreaker fields
Max cover
₹5 cr
Claim settlement (CSR)
97.5%
PED waiting
48 months
Specific disease wait
36 months
Mandatory co-pay
0%
Room rent prop. ded.
Yes
Pre / post hosp.
60 / 180 days
Network hospitals
8,500+
Free look
15 days
What this plan does well
- RESTORATION UNLIMITED TIMES at 100% per Policy Year (Section D.I.9) — INDUSTRY LEADING
- 5 variants (Protect/Plus/Preferred/Premier/Accumulate) — flexible matrix
- Worldwide Emergency Cover BUILT-IN (Section D.I.8) — DISTINCTIVE
- 180-day post-hospitalisation
- Modern Treatments up to SI (all 12 listed)
- AYUSH up to SI
- Domiciliary up to SI
- Health Maintenance Benefit (OPD/In-patient variant-based)
Watch out for
- PED waiting 48 MONTHS standard — LONGER than industry 36 (mitigable via PED Wait Reduction addon)
- Specific disease waiting 36 months
- Proportionate deduction in lower variants (Protect/Plus)
- Network ~8.5K (smaller than top tier 18K+)
- Free Look 15 days (vs 30 in many plans)
Is this the right plan for you?
Run the 30-second cover calculator. We'll tell you whether this plan, or a different one, is the better fit.
Find my right cover →We don't directly sell this plan today. If our verdict says this is your best fit, we'll point you to a broker who does — and tell you our paired listed alternative so you can decide.