ManipalCigna Health Insurance Review: Health Insurance Plans for Frequent Hospital Visitors

ManipalCigna Health Insurance Review: Health Insurance Plans for Frequent Hospital Visitors

Manipal Cigna Health Insurance a great health insurer for those seeking competitive premium pricing and family options.

Good for

  • Families looking for plans that will cover large hospital expenses
  • Women looking for health insurance prices

Bad for

  • Individuals looking for a diverse array of coverage options

Editor's Rating

4.5/5.0

ManipalCigna Insurance is a solid option for both individuals and families looking for comprehensive insurance plans. The insurer was formed after a merger between Cigna Corporation, a US based health services company and Manipal Group, an Indian conglomerate. They have policies that are applicable to all age groups. For individual plans, they even offer premiums that are gender specific. For individual plans, women are offered lower premiums, which may be attractive to single women applying for health insurance. Additionally, they have competitive pricing among top health insurers and offer lifelong renewal for their plans.

What Makes ManipalCigna Health Insurance Stand Out?

ManipalCigna stands out as a health insurer due to the 5 comprehensive plans that they offer to both individuals and families. The plans also have lower waiting periods for pre-existing diseases, depending on the plan selected. Further, the plans have great sum insured options, especially for families seeking higher sum insured and coverage options.

ManipalCigna Health Insurance Premium Averages

Like all health insurers, Manipal Cigna charges a wide array of premiums based on the policy's sum insured amount and age of the policy holder. The sum insured amount is the total monetary amount the insurance company is obligated to cover for the patient per policy period. ManipalCigna's offers plans like the Pro-Health Premier, where the sum insured is Rs. 10,000,000. This high sum insured ensures that patients that visit the hospital will be covered for significant healthcare bills. Below, we show the monthly premium depending on the primary insured indvidual's age and the sum insured amount. In the toggles we also break out each plan's price based on their designation as family and individual plans.

Individual Health Insurance Plans

Individual health insurance plans help single consumers receive comprehensive health coverage at a lower premium. At Manipal Cigna, there are 5 health insurance plans offered for individuals with slightly different sum insured and slightly different benefits.

Individual health insurance is great for single consumers who are looking for comprehensive health coverage. ManipalCigna offers 5 plans for individuals; however, some are not the best options for single male or female individuals. The first policy offered is Pro-Health Protect, this is a great individual policy as it includes all the comprehensive benefits required by an individual and comes in lower sum insured that is fitting for one person.

The next plan is Pro-Health Plus. This is a great policy that offers the same benefits and includes maternity benefits as well as a shorter waiting period for pre-existing diseases. This can be very useful for many of the patients who have pre-existing diseases. The plan after the Plus is the Accumulate option, where the benefits are offered with more coverage but the benefits themselves are the same. This is a good plan as it has slightly more sum insured for those who need it. The final two options are the Preferred and Premier plans. Both of these options have high sum insured amounts and much lower waiting periods for pre-existing for diseases. Keeping this in mind, it may not be good for individuals as most individuals will not require these high levels of coverage.

Plan NameSum Insured RangePremium Range
Pro-Health ProtectRs. 5,000,000 - Rs. 350,000Rs. 13,355 - Rs. 5,390
Pro-Health Plus InsuranceRs. 5,000,000 - Rs. 450,000Rs. 15,522 - Rs. 6,940
Pro-Health Preferred InsuranceRs. 5,000,000 - Rs. 1,500,000Rs. 30,188 - Rs. 25,509
Pro-Health Premier InsuranceRs. 10,000,000Rs. 34.938
Pro-Health Accumulate InsuranceRs. 5,000,000 - Rs. 550,000Rs. 19,142 - Rs. 12,472
Plan NameSum Insured RangePremium Range
Pro-Health ProtectRs. 5,000,000 - Rs. 350,000Rs. 11,856 - Rs. 4,805
Pro-Health Plus InsuranceRs. 5,000,000 - Rs. 450,000Rs. 17,881 - Rs. 7,995
Pro-Health Preferred InsuranceRs. 5,000,000 - Rs. 1,500,000Rs. 38,772 - Rs. 33,381
Pro-Health Premier InsuranceRs. 10,000,000Rs. 52,514
Pro-Health Accumulate InsuranceRs. 5,000,000 - Rs. 550,000Rs. 17,566 - Rs. 11,628
Plan NameSum Insured RangePremium Range
Pro-Health ProtectRs. 5,000,000 - Rs. 350,000Rs. 15,777 - Rs. 6,386
Pro-Health Plus InsuranceRs. 5,000,000 - Rs. 450,000Rs. 19,092 - Rs. 8,537
Pro-Health Preferred InsuranceRs. 5,000,000 - Rs. 1,500,000Rs. 33,787 - Rs. 28,032
Pro-Health Premier InsuranceRs. 10,000,000Rs. 39,629
Pro-Health Accumulate InsuranceRs. 5,000,000 - Rs. 550,000Rs. 19,142 - Rs. 12,472
Plan NameSum Insured RangePremium Range
Pro-Health ProtectRs. 5,000,000 - Rs. 350,000Rs. 14,056 - Rs. 5,713
Pro-Health Plus InsuranceRs. 5,000,000 - Rs. 450,000Rs. 21,897 - Rs. 9,791
Pro-Health Preferred InsuranceRs. 5,000,000 - Rs. 1,500,000Rs. 42,827 - Rs. 36,225
Pro-Health Premier InsuranceRs. 10,000,000Rs. 57,797
Pro-Health Accumulate InsuranceRs. 5,000,000 - Rs. 550,000Rs. 17,566 - Rs. 11,628
Plan NameSum Insured RangePremium Range
Pro-Health ProtectRs. 5,000,000 - Rs. 350,000Rs. 21,292 - Rs. 8,628
Pro-Health Plus InsuranceRs. 5,000,000 - Rs. 450,000Rs. 26,073 - Rs. 11,658
Pro-Health Preferred InsuranceRs. 5,000,000 - Rs. 1,500,000Rs. 41,099 - Rs. 33,170
Pro-Health Premier InsuranceRs. 10,000,000Rs. 49,149
Pro-Health Accumulate InsuranceRs. 5,000,000 - Rs. 550,000Rs. 23,867 - Rs. 14,933
Plan NameSum Insured RangePremium Range
Pro-Health ProtectRs. 5,000,000 - Rs. 350,000Rs. 18,933 - Rs. 7,705
Pro-Health Plus InsuranceRs. 5,000,000 - Rs. 450,000Rs. 25,339 - Rs. 11,330
Pro-Health Preferred InsuranceRs. 5,000,000 - Rs. 1,500,000Rs. 43,432 - Rs. 35,726
Pro-Health Premier InsuranceRs. 10,000,000Rs. 55,390
Pro-Health Accumulate InsuranceRs. 5,000,000 - Rs. 550,000Rs. 21,810 - Rs. 13,825
Plan NameSum Insured RangePremium Range
Pro-Health ProtectRs. 5,000,000 - Rs. 350,000Rs. 36,559 - Rs. 14,648
Pro-Health Plus InsuranceRs. 5,000,000 - Rs. 450,000Rs. 42,487 - Rs. 18,998
Pro-Health Preferred InsuranceRs. 5,000,000 - Rs. 1,500,000Rs. 59,402 - Rs. 46,053
Pro-Health Premier InsuranceRs. 10,000,000Rs. 72,950
Pro-Health Accumulate InsuranceRs. 5,000,000 - Rs. 550,000Rs. 38,991 - Rs. 22,986
Plan NameSum Insured RangePremium Range
Pro-Health ProtectRs. 5,000,000 - Rs. 350,000Rs. 32,160 - Rs. 12,919
Pro-Health Plus InsuranceRs. 5,000,000 - Rs. 450,000Rs. 37,993 - Rs. 16,988
Pro-Health Preferred InsuranceRs. 5,000,000 - Rs. 1,500,000Rs. 54,619 - Rs. 42,683
Pro-Health Premier InsuranceRs. 10,000,000Rs. 66,735
Pro-Health Accumulate InsuranceRs. 5,000,000 - Rs. 550,000Rs. 34,967 - Rs. 20,814
Plan NameSum Insured RangePremium Range
Pro-Health ProtectRs. 5,000,000 - Rs. 350,000Rs. 59,508 - Rs. 23,656
Pro-Health Plus InsuranceRs. 5,000,000 - Rs. 450,000Rs. 66,393 - Rs. 29,687
Pro-Health Preferred InsuranceRs. 5,000,000 - Rs. 1,500,000Rs. 87,078 - Rs. 65,543
Pro-Health Premier InsuranceRs. 10,000,000Rs. 108,936
Pro-Health Accumulate InsuranceRs. 5,000,000 - Rs. 550,000Rs. 83,220 - Rs. 46,724
Plan NameSum Insured RangePremium Range
Pro-Health ProtectRs. 5,000,000 - Rs. 350,000Rs. 51,858 - Rs. 20,654
Pro-Health Plus InsuranceRs. 5,000,000 - Rs. 450,000Rs. 58,647 - Rs. 26,224
Pro-Health Preferred InsuranceRs. 5,000,000 - Rs. 1,500,000Rs. 78569 - Rs. 59,547
Pro-Health Premier InsuranceRs. 10,000,000Rs. 97,877
Pro-Health Accumulate InsuranceRs. 5,000,000 - Rs. 550,000Rs. 72,979 - Rs. 41,223

Family Floater Health Insurance Plans

These plans are perfect for families looking to gain coverage for both immediate and extended family members. The best way to approach these plans is to gauge the needs of your family. If your family faces more pre-existing conditions or has more frequent hospital visits, a higher sum insured might be preferable. This is because those members would be covered for the large expenses that they may potentially incur. On the other hand, if you have a small family and visit healthcare professionals less often, then you might prefer a lower sum insured plan, which typically charges a lower premium.

All of the plans offered under the Pro-Health umbrella are offered for both individual and family plans. The Pro-Health Protect is the best family plan for those looking for a low sum insured amount, as it . However, it is not the plan to select for large families because of the lower sum insured amounts offered. The Pro-Health Plus is a coverage option that provides more benefits compared to the Pro-Health Protect (ie. maternity benefits). This is a solid plan for families that are looking for more coverage but a lower sum insured than large families or frequent hospital visitors. Next, the Pro-Health Accumulate is a version of the Plus, but offers higher sum insured options and a shorter pre-existing disease waiting period. The fourth plan is the Pro-Health Preferred. This policy does well to offer all of the same benefits with more coverage as the previous comprehensive plans. In addition to this, it offers a higher sum insured and an even lower waiting period than the accumulate and plus options. The plan with the largest sum insured is the Pro-Health Premier with its only sum insured option being Rs. 10,000,000.

Plan NameSum Insured RangePremium Range
Pro-Health ProtectRs. 5,000,000 - Rs. 350,000Rs. 27,826 - Rs. 11,191
Pro-Health Plus InsuranceRs. 5,000,000 - Rs. 450,000Rs. 35,635 - Rs. 15,934
Pro-Health Preferred InsuranceRs. 5,000,000 - Rs. 1,500,000Rs. 51,753 - Rs. 41,010
Pro-Health Premier InsuranceRs. 10,000,000Rs. 64,036
Pro-Health Accumulate InsuranceRs. 5,000,000 - Rs. 550,000Rs. 35,286 - Rs. 20,993
Plan NameSum Insured RangePremium Range
Pro-Health ProtectRs. 5,000,000 - Rs. 350,000Rs. 31,619 - Rs. 12,758
Pro-Health Plus InsuranceRs. 5,000,000 - Rs. 450,000Rs. 42,137 - Rs. 18,841
Pro-Health Preferred InsuranceRs. 5,000,000 - Rs. 1,500,000Rs. 58,347 - Rs. 45,644
Pro-Health Premier InsuranceRs. 10,000,000Rs. 72,618
Pro-Health Accumulate InsuranceRs. 5,000,000 - Rs. 550,000Rs. 35,286 - Rs. 20,993
Plan NameSum Insured RangePremium Range
Pro-Health ProtectRs. 5,000,000 - Rs. 350,000Rs. 39,205 - Rs. 15,849
Pro-Health Plus InsuranceRs. 5,000,000 - Rs. 450,000Rs. 49,277 - Rs. 22,034
Pro-Health Preferred InsuranceRs. 5,000,000 - Rs. 1,500,000Rs. 65,518 - Rs. 50,531
Pro-Health Premier InsuranceRs. 10,000,000Rs. 81,419
Pro-Health Accumulate InsuranceRs. 5,000,000 - Rs. 550,000Rs. 41,670 - Rs. 24,306
Plan NameSum Insured RangePremium Range
Pro-Health ProtectRs. 5,000,000 - Rs. 350,000Rs. 64,098 - Rs. 25,678
Pro-Health Plus InsuranceRs. 5,000,000 - Rs. 450,000Rs. 74,425 - Rs. 33,278
Pro-Health Preferred InsuranceRs. 5,000,000 - Rs. 1,500,000Rs. 93,386 - Rs. 70,004
Pro-Health Premier InsuranceRs. 10,000,000Rs. 117,118
Pro-Health Accumulate InsuranceRs. 5,000,000 - Rs. 550,000Rs. 65,981 - Rs. 37,250
Plan NameSum Insured RangePremium Range
Pro-Health ProtectRs. 5,000,000 - Rs. 350,000Rs. 95,238 - Rs. 37,909
Pro-Health Plus InsuranceRs. 5,000,000 - Rs. 450,000Rs. 106,840 - Rs. 47,773
Pro-Health Preferred InsuranceRs. 5,000,000 - Rs. 1,500,000Rs. 131,513 - Rs. 96,859
Pro-Health Premier InsuranceRs. 10,000,000Rs. 166,687
Pro-Health Accumulate InsuranceRs. 5,000,000 - Rs. 550,000Rs. 233,063 - Rs. 128,800

ManipalCigna Health Insurance Review: Benefits

ManipalCigna Health Insurance offers their customers a number of health insurance plans that cover different health needs. By selecting the correct healthcare policy, consumers can ensure that they are prioritizing coverage based on their healthcare requirements.

ManipalCigna Pro-Health Protect

This plan is a basic comprehensive health insurance plan that includes benefits such as pre and post-hospitalisation, day-care coverage, restore benefit, and more. This is a solid coverage plan for those looking for a basic comprehensive coverage. The waiting period for pre-existing diseases under this plan is 48 months.

The comprehensive plan has a sum insured range that starts at Rs. 250,000 to Rs. 450,000. This means that the plan has a relatively small range for consumers to choose from. This coverage option is directed at individuals and families who tend to visit the hospital less frequently.

ManipalCigna Pro-Health Plus

This plan is a comprehensive health insurance plan that includes benefits such as pre and post-hospitalisation, day-care coverage, restore benefit, maternity coverage, check-ups, and more. This is a solid coverage plan for those looking for a basic comprehensive coverage. The waiting period for pre-existing diseases under this plan is 36 months.

The comprehensive plan has a sum insured range that starts at Rs. 450,000 to Rs. 1,000,000. This means that the plan has a decent range for consumers to choose from. This coverage option is directed at individuals and families who are looking for a more inclusive coverage.

ManipalCigna Pro-Health Preferred

This comprehensive coverage includes all the great benefits offered by the Pro-Health Plus policy such as: pre and post-hospitalisation, day-care coverage, restore benefit, maternity coverage, check-ups, etc. Additionally, the plan offers higher benefits for maternity and other health maintenance coverage.The waiting period for pre-existing diseases under this plan is 24 months.

The comprehensive plan has a sum insured range that starts at Rs. 1,500,000 to Rs. 5,000,000. This means that the plan has a fairly large range for consumers to choose from among the higher sum insured. This coverage option is directed at individuals and families who are looking for more coverage.

ManipalCigna Pro-Health Premier

This comprehensive coverage plan includes all the same covers and benefits as the previous plans with increased coverage for maternity and health maintenance compared to the Pro-Health Preferred. The waiting period for pre-existing diseases under this plan is 24 months.

The only sum insured amount offered for the Premier is Rs. 10,000,000. This coverage is strictly for those in search of a massive sum insured. This is the largest coverage option that is offered at ManipalCigna and is useful if you or your family go to the hospital frequently.

ManipalCigna Pro-Health Accumulate

This plan is a comprehensive health insurance plan that includes benefits such as pre and post-hospitalisation, day-care coverage, restore benefit, maternity coverage, check-ups, and more. ManipalCigna Pro-Health Accumulate also covers donor expenses. The waiting period for pre-existing diseases under this plan is 36 months.

The comprehensive plan has a sum insured range that starts at Rs. 550,000 to Rs. 5,000,000. This means that the plan has a very large range for consumers to choose from that offers a range that is applicable to many people. People looking for decent to somewhat high coverage can select to be covered at a sum insured around Rs. 550,000, while others can aim for a higher sum insured closer to Rs. 5,000,000. This coverage option is directed at individuals and families who are looking for a more inclusive coverage.

Why Choose ManipalCigna Health Insurance?

ManipalCigna does well to incorporate individuals and families that are looking for comprehensive health insurance for both high and low sum insurance needs. Depending on the comprehensive insurance plan selected, patients with pre-existing diseases will also benefit as they can get treated relatively early. The high sum insured options for the majority of the plans indicate that these are great plans for families. The insurance plans are competitively priced relative to their competitors and ManipalCigna would be a solid choice for those looking to apply for either an individual health or family health insurance plan.

ManipalCigna Health Insurance Plan Exclusions

There are exclusions that differ from plan to plan, like the example above. Exclusions that apply to all plans are the following:

  • If critical illness add-on is not applied for, then critical illness will not be covered
  • Any pre-existing disease, not diagnosed before purchase of the policy, must wait the number of months depending on the plan
  • AIDS/HIV or any illnesses related to it
  • Suicide and substance abuse
  • Mental illnesses
  • Any loss that occurs due to childbirth or pregnancy

How to Apply for ManipalCigna Health Insurance

To apply for ManipalCigna Health Insurance, use the following button to get to the webpage and select your preferred plan. Once you are on the page, you will have to fill out your information for the premium quotes. After this you will apply for the health insurance plan that you have selected through ManipalCigna's platform.

Do You Meet the Eligibility Requirements?

Plan NameEligibility Requirements
Pro-Health Protect
  • Minimum age of entry: 91 days for children and 18 years for adults
  • No maximum age of entry
Pro-Health Plus
  • Minimum age of entry: 91 days for children and 18 years for adults
  • No maximum age of entry
Pro-Health Preferred
  • Minimum age of entry: 91 days for children and 18 years for adults
  • No maximum age of entry
Pro-Health Premier
  • Minimum age of entry: 91 days for children and 18 years for adults
  • No maximum age of entry
Pro-Health Accumulate
  • Minimum age of entry: 91 days for children and 18 years for adults
  • No maximum age of entry
Sahmi Chowdhury

Sahmi is a Junior Research Analyst specialising in credit cards and insurance in India. He previously worked in the financial services sector at Brown Brothers Harriman and True Capital Management.