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Last updated on: August 7, 2025
The key pain points associated with choosing 1 crore health insurance in India for 2025 include justifying the high sum insured, understanding the layered policy structure, and ensuring inclusion of global and specialized treatment benefits. The featured 1 Crore Health Insurance in India effectively addresses these issues by offering all-inclusive coverage for high-cost treatments, international medical care, critical illnesses, and long-term hospitalization. It is ideal for HNIs, business owners, and families seeking top-tier medical protection without financial limits. The platform enhances user clarity with transparent breakdowns, AI-driven customization based on lifestyle and risk exposure, and expert guidance to ensure maximum return on investment and seamless claims experience.
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Read BioManipalCigna ProHealth Insurance Policy is one of the most popular health insurance products in India that is aimed at offering comprehensive medical coverage to individuals and families. This policy is provided by ManipalCigna Health Insurance Company and aims at solving the increasing healthcare expenses issue, as it guarantees to cover medical expenses in case of emergency, planned procedures and hospitalisation.
Introduced as a comprehensive health cover, it has multiple sum insured options of a few lakhs to a maximum of one crore rupees, flexible add-on covers, and access to network hospitals nationwide. ManipalCigna ProHealth offers features like cashless settlement of claims, cover of pre-existing diseases after a waiting period, and wellness benefits to ensure your health as well as savings.
In 2025, customers prefer this policy due to its strong protection, customisation of covers and clarity of claim. ProHealth Insurance by ManipalCigna has emerged as a very important financial product in a world where medical expenses are unpredictable and working professionals, senior citizens and even young families are purchasing it.
Did you know? According to the IRDAI, health insurance claims have increased by 30 percent between 2022 and 2024, which is why comprehensive health covers such as ManipalCigna ProHealth are becoming more relevant.
As medical expenses have been skyrocketing and the global health crisis has not yet passed, the importance of selecting the proper health insurance plan has never been greater. In 2025, ManipalCigna ProHealth Insurance is unique as it provides not only hospitalisation cover, but also day care procedures, mental healthcare and maternity benefits in select variants.
There are some benefits:
ManipalCigna ProHealth Insurance Policy can be accessed and purchased on the official site or via reliable insurance aggregators and online marketplaces, and the policy comparison and premium calculation are simple and transparent.
People Also Ask: Is ManipalCigna ProHealth a family floater plan?
Yes, ManipalCigna ProHealth has both individual and family floater plans, which means that the whole family can be covered with a single policy, and it is an economical way of protecting family health.
In the new version of the ProHealth plan, 2025 introduces a number of interesting features:
| Feature | Details |
|---|---|
| Minimum Entry Age | 91 days (children) / 18 years (adults) |
| Maximum Age of Entry | No age restriction in most versions |
| Waiting Period for PED | 24 to 36 months (based on plan chosen) |
| Hospital Network | 8000+ hospitals in the country |
| Pre & Post Hospitalisation | Up to 60 and 180 days |
| Lifelong Renewal | Yes |
| Room Rent Capping | No capping on most options |
| Day Care Procedures | 500+ covered |
| Ambulance Cover | Up to Rs 3,000 per hospitalisation |
| Restore Benefit | 100 percent restoration |
| No-Claim Bonus | Up to 200 percent of the base sum insured |
Insider Tip: According to the best insurance advisors, one should enquire about wellness benefits and OPD covers when comparing health plans in 2025 as preventive care is becoming a major trend.
With respect to the customer feedback and the evolving nature of healthcare, the ProHealth Insurance Policy has been revised in 2025 by ManipalCigna. Upgrades: Some include:
Neha is 38 years old and bought ManipalCigna ProHealth Family Floater in January 2025. In April, her husband had a small operation. The claim was processed in two hours at a network hospital because of the app-based cashless facility. It included pre and post-hospitalisation costs such as physiotherapy, and all this was done without additional paperwork.
People Also Ask: When can you claim after purchasing ManipalCigna ProHealth?
The majority of benefits take effect as soon as they are enrolled, however pre-existing conditions and certain coverages are not covered until the waiting period is over, usually 24 to 36 months.
This health policy functions in a simple way:
ManipalCigna will enable policyholders to include newborn children within 90 days of their birth as well as provide portability in case of switching to another insurer.
Did you know? Policies with ‘restore’ benefits have significantly reduced out-of-pocket expenses for Indian families with recurring hospitalisation in 2023 and 2024.
People Also Ask: Does ManipalCigna ProHealth cover coronavirus related hospitalisation?
By 2025, ProHealth will cover COVID-19 and other infectious diseases, within the policy guidelines.
| Parameter | ManipalCigna ProHealth | HDFC ERGO Optima Restore | ICICI Lombard Complete Health |
|---|---|---|---|
| Sum Insured Options | 2.5 lakh to 1 crore | 3 lakh to 50 lakh | 5 lakh to 50 lakh |
| Room Rent Limit | No capping | Single private room | No limit on select plans |
| Restore Benefit | Yes (multiple) | Yes (once per year) | Yes (one-time) |
| Health Check-up | Annual, all members | Once a year, one member | Annual, all members |
| Network Hospitals | 8000+ | 10,000+ | 6500+ |
| Pre & Post Hospitalisation | 60/180 days | 60/180 days | 60/180 days |
| Wellness Rewards | Yes | Limited | Yes |
| Maternity Cover | Optional | Not Available | Optional |
| Entry Age | 91 days and above | 91 days and above | 6 years and above |
All details are based on plan characteristics according to 2025 customer disclosures and are subject to change.
People Also Ask: How long does reimbursement of a claim take?
Generally, reimbursements are done within 15 working days after submission of all the documents as per the policy of the company.
ProHealth plan premiums are based on:
For example:
| Age (Primary Insured) | Plan Type | Sum Insured | Premium (approx./annum) |
|---|---|---|---|
| 30 years | Individual | Rs 5 Lakh | Rs 7,200 |
| 40 years | Family Floater (2A+1C) | Rs 10 Lakh | Rs 12,800 |
| 55 years | Individual | Rs 10 Lakh | Rs 21,500 |
| 35 years | Family Floater (2A+2C) | Rs 25 Lakh | Rs 23,900 |
Data shows the annual premium rates of healthy non-smoking adults in 2025. Real levels are different.
Did you know? In 2025, more than 65 percent of Indian policyholders favored wellness reward-based health insurance plans that offered value and preventive emphasis.
In 2023, Rohit and Meera Sharma took an insurance cover with ManipalCigna ProHealth to cover their family. In 2024, Meera needed an operation which would cost 2 lakhs. Their policy allowed them to have a smooth, cashless treatment in a leading network hospital. The family was provided with yearly health check-ups and wellness discounts, which saved the family a lot of money in two years.
ManipalCigna ProHealth Insurance Policy 2025 is a personal and family policy, which provides comprehensive hospitalisation cover, broad sum insured choices, customisable add-on covers, and innovative restoration and wellness benefits. It is an excellent option of health insurance in the modern Indian family with digital tools, quick claims, and flexibility.
How long is the waiting period of maternity cover with ManipalCigna ProHealth?
The standard waiting time on maternity cover is between 3 and 4 years, although 2025 plans might have shorter times in some versions.
Can I increase my sum insured once I have bought the policy?
Yes, you can apply to increase the sum insured at the time of renewal with underwriting and health check-up.
Is ManipalCigna ProHealth international?
Select riders have global emergency coverage.
What are wellness rewards in this policy?
Healthy activities or health checks are rewarded with points which can be used to offset the OPD costs or the renewal premiums.
Is daycare treatment included automatically?
Yes, more than 500+ daycare procedures are covered, including minor surgeries or treatment.
Is there any tax advantage?
Yes, it can be deducted as premiums under Section 80D of the Income Tax Act.
Is it possible to add parents in the family floater?
Yes, parents, parents-in-law, spouse, and children may be included under wider family floater plans.
For more professional details, official documentation, and updates, visit the ManipalCigna Health Insurance page (nofollow).
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Written by Prem Anand, a content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors.
Prem Anand is a seasoned content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors. He has a strong command of industry-specific language and compliance regulations. He specializes in writing insightful blog posts, detailed articles, and content that educates and engages the Indian audience.
The content is prepared by thoroughly researching multiple trustworthy sources such as official websites, financial portals, customer reviews, policy documents and IRDAI guidelines. The goal is to bring accurate and reader-friendly insights.
This content is created to help readers make informed decisions. It aims to simplify complex insurance and finance topics so that you can understand your options clearly and take the right steps with confidence. Every article is written keeping transparency, clarity, and trust in mind.
Based on Google's Helpful Content System, this article emphasizes user value, transparency, and accuracy. It incorporates principles of E-E-A-T (Experience, Expertise, Authoritativeness, Trustworthiness).
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