ManipalCigna Hospital Cash Insurance Policy

ManipalCigna Hospital Cash policy provides financial assistance to meet day-to-day expenses incurred during hospitalization. It enables the insured to manage daily incidental hospitalization expenses that may not be covered under a regular health insurance policy.

Read More

ManipalCigna Hospital Cash Insurance Policy

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
*Tax benefit is subject to changes in tax laws. Standard T&C Apply

Get insured from the comfort of your home No medicals required
I am a

My name is

My number is

By clicking on ‘View Plans’ you, agreed to our Privacy Policy and Terms of use
Close
Back
I am a

My name is

My number is

Select Age

City Living in

    Popular Cities

    Do you have an existing illness or medical history?

    This helps us find plans that cover your condition and avoid claim rejection

    Get updates on WhatsApp

    What is your existing illness?

    Select all that apply

    When did you recover from Covid-19?

    Some plans are available only after a certain time

    ManipalCigna Hospital Cash Policy Overview

    ManipalCigna ProHealth Cash policy provides a fixed hospital cash benefit to the insured for every 24 hours of continuous hospitalization arising out of a sickness or accident. It provides ICU benefit for each day of admission to the Intensive Care Unit (ICU). It also offers convalescence benefit, compassionate benefit and companion benefit. 

    Moreover, the plan comes with optional coverage for day care procedures and accidental death & disability. The insured can also buy critical illness add-on cover that will provide coverage for 11 critical diseases.

    The ManipalCigna Hospital Cash policy comes with two plan types - Basic and Enhanced. The Basic plan offers sickness hospital cash benefit, accident hospital cash benefit and ICU cash benefit. On the other hand, the Enhanced plan offers one-time convalescence benefit, compassionate benefit and companion benefit along with the Basic plan coverage.

    The policyholder can opt for Rs 500 to Rs 5000 per day as the hospital cash benefit amount under the ManipalCigna ProHealth Cash policy. He/she can opt for hospital cash days of 60 days, 90 days or 180 days. However, the policy also comes with a deductible of one day of hospitalization.

    ManipalCigna Hospital Cash Policy Eligibility Criteria

    Criteria

    Specifications

    Minimum Entry Age

    18 years

    91 days (children)

    Maximum Entry Age

    65 years

    17 years (children)

    Plans Offered

    Basic and Enhanced

    Coverage

    Individual

    Hospital Cash Amount

    Rs 500 to Rs 5000 per day

    Number of Hospital Cash Days

    60/90/180 days

    Policy Term

    1 year/ 2 years/ 3 years

    Pre-existing diseases waiting period

    4 years

    Deductible

    1 day

    Discounts

    Family Discount, Long term discount

    Renewability

    Lifetime

    Key Features of ManipalCigna Hospital Cash Policy

    The ManipalCigna ProHealth Cash policy comes with the following features:

    • It comes with two plan types.
    • It provides worldwide coverage for accidental or sickness hospitalization.
    • It covers convalescence benefit, compassionate benefit and companion benefit.
    • It comes with the optional coverage for accidental death and disability
    • It comes with the option of day care treatment benefit.
    • It offers critical illness add-on cover for 11 diseases.
    • It offers access to an online wellness program.
    • It provides tax benefits under sec 80D, Income Tax Act.

    Inclusions of ManipalCigna Hospital Cash Policy

    The ManipalCigna Health Insurance Company Limited covers the following under the ProHealth Cash policy:

    • Sickness Hospital Cash Benefit - Offers a daily hospital cash benefit if hospitalized due to an illness
    • Accident Hospital Cash Benefit - Offers two times the daily cash benefit amount if hospitalized due to an accident
    • ICU Cash Benefit - Offers three times the hospital cash benefit amount for a maximum of 15 days if admitted to the ICU
    • Convalescence Benefit - Offers five times the hospital cash benefit amount if hospitalized for 10 or more consecutive days
    • Compassionate Benefit - Offers 10 times the daily hospital cash amount if the insured dies during accidental hospitalization
    • Companion Benefit - Offers 50% of the daily cash benefit amount for the person accompanying the insured

    Optional Covers:

    • Accidental Death and Permanent Total Disability Cover -Offers coverage ranging from Rs 50,000 to Rs 25,00,000
    • Day Care Treatment Cover -Offers five times the daily cash amount or Rs 25,000, whichever is lower, for a maximum of 5 day care treatments

    The ManipalCigna ProHealth Cash policy also comes with a critical illness rider with the sum insured ranging from Rs 50,000 to Rs 1,00,00,000 that will provide a daily cash benefit for hospitalization due to 11 critical diseases.

    Exclusions of ManipalCigna Hospital Cash Policy

    The ManipalCigna Hospital Cash policy does not cover the following medical expenses:

    • Dental treatment
    • Non-allopathic treatment
    • Birth control procedures
    • Cosmetic surgery except for reconstructive surgery
    • Sexually transmitted diseases, except HIV AIDS
    • Circumcision
    • Injury or illness arising out of drug or alcohol abuse
    • Routine medical check-ups and tests

    The list of exclusions mentioned above is not exhaustive. Refer to the ManipalCigna Hospital Cash policy brochure to get the complete list of exclusions.

    FAQs

    Health insurance articles

    Recent Articles
    Popular Articles
    List of Diseases Covered by Bajaj Allianz Health Insurance Plans

    05 Jul 2022

    Barely any person has remained unaffected due to rising health...
    Read more
    Annual Medical Check-ups in Health Insurance

    05 Jul 2022

    Regular health check-ups are important to keep a track of your...
    Read more
    Advantages and Disadvantages of Buying a Health Insurance Policy

    04 Jul 2022

    In India, healthcare is getting expensive with each passing day...
    Read more
    Does Health Insurance Cover Sports & Gym Injuries?

    27 Jun 2022

    Gone are the days when only athletes and professional sports...
    Read more
    Health Insurance for Rural India

    24 Jun 2022

    Healthcare is expensive in India and is increasing with each...
    Read more
    PMJAY Scheme: Ayushman Bharat Yojana Eligibility & Registration Online
    Prime Minister Shri Narendra Modi announced the launch of (PMJAY) Ayushman Bharat Yojana in his Independence...
    Read more
    Best Health Insurance Plans in India 2022
    Finding the best health insurance plan from so many different health insurance companies can get confusing for many...
    Read more
    Best Maternity Insurance Plans
    Maternity insurance offers comprehensive coverage for medical expenses incurred during pregnancy, including the cost...
    Read more
    How to apply for Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY)
    Ayushman Bharat health insurance is a flagship scheme launched by the Government of India, as per the...
    Read more
    Best Health Insurance Plans for Senior Citizens in 2022
    Considering the increase in medical inflation in India, buying adequate health insurance for your loved ones has...
    Read more
     
    top
    Close
    Download the Policybazaar app
    to manage all your insurance needs.
    INSTALL