Insurance Inbox


ProHealth Premier

Cigna ProHealth Premier Plan provides a high insurance coverage of 100 Lakhs with world class benefits from in-hospital to home care. In addition, it also includes a Worldwide Emergency Cover up to full Sum Insured, making it an All in One plan. It has a reduced waiting period of just 2 years for pre-existing diseases that helps you get full coverage sooner. You can also cover all your smaller expenses towards consultation, diagnostic tests, pharmacy charges and other outpatient expenses through Health Maintenance Benefit.

Sum Insured

1 crore

Premium starts from


Key Highlights

    Cashless Treatment at 4500+ Network Hospitals

    You don’t have to pay even a single paisa from your own pocket in more than 4500+ network hospitals, for all the treatments that are covered by the policy. The Insurer shall pay for your treatment directly to the hospital, maximum up to Sum Insured.

    Day care treatments

    Insurance company will pay for more than 170+ treatments that would require hospitalization for less than 24 hours. (Due to advancement in Technology). Please refer the terms for exact list of procedures.

    New born baby expenses

    Insurance company will pay for the medical expenses incurred on the new born baby during and post birth upto 90 days from the date of delivery without the payment of any additional premium

    Key Product Benefits to Check

      Expenses before and after Hospitalization

      You will get covered for all your medical related expenses for a period of 60 days before and 180 days after hospitalisation. The medical expenses should be related to the condition for which you were hospitalised

      Treatment at home

      You can make a claim for medical expenses for treatment at home which would otherwise require hospitalisation either if the doctor advises that you are not in a condition to be moved to a Hospital or the Hospital room may not be available when you need the medical treatment or even the condition lasts and requires medical attention for at least three days

      Reimbursement of Ambulance Expenses

      You can claim full amount spent on ambulance. This would be helpful for advanced/better equipped medical support/aid required for rescuing your health condition.

      Organ Donor expenses

      Medical expenses of organ donor are covered upto the limit of sum insured opted, in case of organ transplant.

      Worldwide emergency cover

      Your medical expenses outside the country will be covered upto the maximum amount insured. Your medical condition has to be declared as emergency by a doctor and you will only be paid in rupees.

      Out patient department expenses

      You will be reimburshed for prescribed out patient medical expenses including diagnostic tests, drugs and dental treatment for upto Rs15000 per policy year

      Exclusions to note

        Pre exisiting diseases

        In the first 4 years of subscription, Cigna will not pay for treating medical conditions that you may have been suffering from before purchasing the policy.

        30 days waiting period

        You can only claim for treatments of accidental injuries for the first 30 days after taking the policy

        2 years waiting period

        This policy covers some diseases/treatments like Cataract, Hysterectomy, Kidney Stone, Varicose veins, surgery of Tonsils and sinuses …etc., only after 2 years.

        Additional Covers Available

        Reduction in Maternity Waiting Period

        This option helps you to reduce the mandatory waiting period on Maternity from 48 months to 24 months from the date of inception of first policy, depending upon the plan selected. In case of opting for this benefit, the new born baby cover and first year vaccinations will also follow reduction in waiting period under maternity cover and coverage under both the features will be capped as per the limits specified under Maternity Sum Insured as opted by the insured.

        Assets to be Covered


          Your Health

          You need to take care of yourself so that you can provide your loved ones with all they need. Protect your health from any unwarranted financial troubles by opting for a health insurance plan.


          Family Health

          Your family means the world to you and is the most precious thing in your life. You would want to protect it at all costs. Protect your family with health insurance plan so that no financial problem can burden your family.

          Risks to be Covered


          Ambulance Charges

          The charges for transporting the insured person via ambulance before and after the hospitalization are covered under ambulance charges.

          70% Complete


          Critical Illness

          Critical illness cover provides the insured a lump sum, in case he/she gets diagnosed with a critical illness such as cancer, sclerosis, coma, heart attack, paralysis, kidney failure, etc.

          70% Complete


          Hospitalization expenses

          Hospitalisation Expenses means the medical treatment costs that is necessary andreasonable in scope to treat the condition for which the Insured Person was Hospitalisedto the extent that such cost does not exceed the reasonable charges. The patient has to be in the hospital for at least 24 hours. Generally covers ICU charges, surgery, anaesthesia, doctor's charges etc.

          70% Complete


          Pre & Post Hospitalization Expenses

          Pre-hospitalization expenses include various charges related to medical tests before an individual gets hospitalized. Post hospitalization expenses include all expenses or charges incurred by an individual after he or she is hospitalized.

          70% Complete


          Day Care Treatment expenses

          Day Care Treatment refers to medical treatment and/or surgical procedure which is undertaken under General or Local Anaesthesia in hospital / day care centre in less than 24 hours because of technological advancements. The expenses for these tratments are day care treatments.

          70% Complete


          Domiciliary treatment expenses

          Domiciliary Hospitalization is the treatment of the patient taken at home due to lack of accommodation in the hospital/nursing home or the patient's condition being such that he/she cannot be shifted to the hospital

          70% Complete


          Health Check up expenses

          Many insurers these days provide health check up feature for its insured members per some number of years. Many insurers also provide these check-ups as cashless at their network hospitals

          70% Complete


          Organ donor expenses

          There are mainly 6 types of medical expenses incurred as far as the organ donor is concerned: Organ screening for compatibility, Pre-hospitalization costs, Hospitalization Costs, Organ transplantation surgery, Post-surgery complications & recovery, Post Hospitalization Costs for the Donor

          70% Complete


          Second opinion expenses

          Second opition is requesting an examination and evaluation of a health condition by a second physician to verify or challenge the diagnosis by a first physician. Generally happens in case of critical illnesses

          70% Complete


          Outpatient & Pharmacy Expenses

          Outpatient department (OPD) expenses, such as diagnostics tests, chemist bills, doctor's visit fees, dental treatment, medical bills etc, form a major portion of total healthcare cost these expenses are called OPD expenses

          70% Complete


          Our Expert Says

            Hi Dr. P. Nandagopal, I am looking for a Health Insurance cover. Can you please brief me about this product


            Mamtaa Goel

            prohealth premier :Cigna prohealth premier plan provides cover to various unforeseen health problems, maternity benefits, new born baby expenses etc. The policy also provides various add-on's like critical illness cover and worldwide emergency cover. People can opt for this if they want a policy that provies a comprehensive cover for all the health complications which a person might face in his future.

            Thank you so much for your help...


            Mamtaa Goel

            It’s my pleasure. Please feel free to ask whatever questions you have. Myself or my friends will try our best to answer. Just click the below button and ask your questions.

            Our Experts Panel


              Dr. Nandagopal Pothula

              Dr. Nandagopal Pothula has been in the field of Finance and Insurance for the past 19 years. He was the Senior Vice Presidentat Birla Sun Life Insurance and also served as the CEO of Reliance Life Insurance before founding India First Life Insurance Company. He is the CEO of Insurance Inbox.


              Dr. Kamalakar Sai

              Kamalakar Sai has 22 years of experience in finance and insurance background. He has held key managerial positions at Birla Sun Life Insurance, Reliance Insurance, India First Insurance and is currently serving as the Director of Geosansar Insurance Brokerage Private Limited


              Dr. Mamtaa Goel

              Mamtaa Goel is the Business Director at Insurance Inbox. She has an excellent 12 year record in the field of Insurance having served in senior managerail capacities at Reliance Insurance, TTK Healthcare and IndiaFirst Life Insurance.


                What is the maximum number of claims allowed over a year?

                Any number of claims is allowed during the policy period. However the sum insured is the maximum limit under the policy.

                What Identification proof do I have to carry for Hospitalisation?

                You should carry thelHealth card provided by the company with this Policy, along with a valid photo identification proof (Voter ID card / Driving License / Passport / PAN Card / any other identity proof as approved by the Company).

                What is Health Maintenance benefit ?

                This benefit covers reimbursement of outpatient expenses incurred by Insured person upto the limits specified under the plan. It can be used to cover diagnostic tests, medical aids, drugs, prosthetics, dental treatments and alternative forms of medicines.

                The list of hospitals change or remain the same ?

                The Company - Cigna, at its sole discretion, reserves the right to modify, add or restrict any Network Hospital for Cashless services available under the Policy. Before availing the Cashless service, the Policyholder / Insured Person is required to check the applicable list of Network Hospital on the Company’s website.

                What is the time limit to submit the claim in case I do not use cashless facility?

                You should submit your claim within 15 days from date of discharge from the hospital

                Is my claim payable in grace period?

                Cigna will not be liable to pay for any claim arising out of an Injury/ Accident/ Condition that occurred during the Grace Period.


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