The New Age Health Insurance Plan You Should Consider
In the wake of the pandemic, health insurance has evolved. Modern plans do more than pay hospital bills; they integrate wellness programmes, cover everyday medical expenses and allow you to customise benefits according to your life stage. The ManipalCigna ProHealth Prime plan is marketed as a “new age” solution because it offers comprehensive coverage that complements—rather than replaces—your existing health policies. As people prioritise healthy lifestyles, they also recognise that accidents and illnesses can happen at any age. A robust plan protects you from rising medical costs and gives peace of mind while you focus on living well.
A standout feature of this plan is flexibility. Policyholders can “switch off” their cover when travelling abroad and reactivate it on return. If you rarely use your insurance while overseas, this option helps you avoid paying for unused coverage. The plan also includes a wellness programme that rewards healthy habits with points redeemable against your premium. Annual health check‑ups from day one encourage preventive care and early detection.
Hospital room charges can drive up a bill. ProHealth Prime allows you to choose any room category, including suites, without sub‑limits. This means you’re free to select a private room without worrying about additional out‑of‑pocket costs. Such flexibility is helpful when hospitals have limited standard rooms or when privacy and comfort are priorities.
Many health plans offer restoration of the sum insured only once per year and only for unrelated illnesses. ProHealth Prime offers unlimited restoration of the sum insured—every time you exhaust your cover, it is automatically reinstated for both related and unrelated conditions. This feature ensures you aren’t left underinsured if multiple treatments are needed within the same policy year.
The plan covers pre‑ and post‑hospitalisation expenses, including doctor visits and diagnostic tests for up to 60 days before hospitalisation and 180 days after. It also covers non‑medical expenses such as syringes and hand gloves, which often add up during hospital stays. Policyholders can claim for domiciliary treatment (home care) up to a defined period, and the plan includes outpatient consultations and pharmacy costs.
ProHealth Prime builds health management into the plan instead of treating insurance as something you use only when you’re sick. You get a free annual health check-up, which helps you track important markers before small issues turn serious. The wellness programme encourages simple habits like regular walking, exercise, preventive screenings and even small lifestyle changes. When you participate, you earn reward points or renewal discounts.
It’s a practical approach: take care of your health through the year, and the plan rewards you for it. Instead of reacting to illness, it nudges you to stay well in the first place.
Not everyone is allopathic only. Some go for Ayurveda, others for Yoga based therapies and many for Siddha or Unani. ProHealth Prime has AYUSH coverage, so you have the freedom to choose what works for your body.
This flexibility is useful during long term conditions, recovery periods or when you want a more holistic approach. It’s good to know your insurance supports these options instead of limiting you to one system of care.
If your current insurer is not meeting your expectations—maybe the claim process is messy or coverage is limited—you don’t have to start from scratch. You can port your policy to ProHealth Prime and carry over the waiting period you have already served.Pre-existing diseases have a waiting period as with any plan, but portability ensures you don’t lose the time you have already served. The key is honesty while buying the plan. Disclose all existing conditions clearly so your claims don’t face issues later. A clean disclosure today prevents complications during a medical emergency.
Think about your age, family size and health history. A young individual may be fine with moderate coverage and wellness benefits, while a family with children or older parents needs a higher sum insured and features like maternity or AYUSH coverage.
Look for hospitalisation cover, pre- and post-hospitalisation, alternative treatments, and coverage for consumables. Also see whether the plan has room rent limits or gives you any-room choice, as that can affect your final bill.
A wide cashless network makes emergencies smoother. ManipalCigna has a strong network, which means you’re more likely to find cashless treatment nearby. A simple claim process saves a lot of stress when you’re already dealing with illness.
Riders like critical illness, personal accident cover or maternity benefits can strengthen your base policy. They cost extra, but often add meaningful protection depending on your stage of life.
Use online tools to see how different plans stack up. Look beyond just the price—check sub-limits, exclusions, waiting periods and room-rent rules. Sometimes a slightly higher premium gives far better peace of mind.
Yes. ProHealth Prime covers AYUSH treatments—including Ayurveda, Yoga, Siddha and Unani—up to the full sum insured. You can choose the treatment path you’re comfortable with, whether modern or traditional.
“New age” plans are health-insurance policies built for today’s needs. They include hospitalisation cover along with wellness benefits, digital services, teleconsultations and fewer restrictions. ProHealth Prime is one such plan. It covers pre/post-hospitalisation, consumables, non-medical charges, AYUSH and even offers unlimited restoration of the sum insured.
There’s no one-size-fits-all answer. The best plan is the one that matches your health needs, budget and family situation. Look at network hospitals, waiting periods, claim settlement record, coverage features and exclusions. ProHealth Prime is strong in features, but it’s still important to compare it with at least two or three other insurers before deciding.
No insurer guarantees a perfect 100% settlement rate. Claims depend on correct disclosure, documentation and policy terms. What you can do is choose insurers with consistently high claim settlement ratios over the last few years. IRDAI’s annual report publishes these numbers. Most claim problems happen due to non-disclosure—so always declare existing conditions honestly and read your policy carefully.
