ManipalCigna ProHealth Cash Plan

The ManipalCigna ProHealth Cash plan provides a daily cash allowance to the insured for each day of hospitalization. It pays for ancillary expenses incurred by the insured during hospitalization that are excluded under regular health insurance plans. This ManipalCigna health insurance policy also offers coverage for day care treatment, accidental death & disability cover and critical illnesses, if opted.

Read More

ManipalCigna ProHealth Cash Plan

*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 ProHealth Cash Plan: Key Highlights

    Categories Specifications
    Sum Insured Rs 500 to Rs 5000 per day
    Rs 50,000 to Rs 25 lakh (For Accidental Death and Permanent Total Disability)
    Policy Tenure 1 year, 2 years, 3 years
    Network Hospitals 7500+
    Incurred Claim Ratio (2020-21) 61.13%
    Pre-policy Medical Tests Not required up to 45 years and daily cash of up to Rs 3000
    Pre-existing Diseases Waiting Period 4 years
    Discount 10% family discount
    Up to 10% long term discount
    3% online renewal discount
    Deductible 1 day for daily cash benefit
    Co-payment Not applicable

    Benefits of ManipalCigna ProHealth Cash Plan

    Take a look at the key benefits of buying a ManipalCigna ProHealth Cash plan:

    1. Coverage for Non-Medical Expenses

    The ManipalCigna ProHealth Cash plan pays a daily allowance to the policyholder to pay for non-medical expenses incurred during hospitalization, such as clothes, travelling costs, etc.

    2. Option to Choose Coverage Days

    This ManipalCigna health insurance policy allows the policyholder to choose the maximum number of coverage days per policy year i.e. 60 days, 90 days and 180 days.

    3. Worldwide Cover

    Contrary to most plans, this plan offers worldwide coverage. Thus, the insured will get a daily cash allowance from the insurance company even if he/she gets hospitalized outside India.

    4. Cashless Hospitalization Facility

    The ManipalCigna Health Insurance Company offers cashless hospitalization facilities to the insured at more than 7500 network hospitals across India.

    5. Online Wellness Program

    With this policy, the insured gets access to online customized health & wellness programs, such as health risk assessment, nutrition programs, lifestyle management programs, etc.

    6. Tax Benefits

    Policyholders can avail tax deductions on the premium paid for buying the ManipalCigna ProHealth Cash plan under Sec 80D of the Income Tax, 1961.

    ManipalCigna ProHealth Cash Plan Eligibility Criteria

    Here are the eligibility criteria to buy a ManipalCigna ProHealth Cash plan:

    Parameters Eligibility Criteria
    Minimum Entry Age Adult – 18 years
    Child – 91 days
    5 years (For accidental death and permanent total disablement cover)
    Maximum Entry Age Adult – 65 years
    Child – 17 years
    Coverage Type Individual
    Relationships Covered Self, spouse, children, parents, siblings, parents-in-law, grandparents and grandchildren
    Renewability Lifetime

    Types of ManipalCigna ProHealth Cash Plan

    The ManipalCigna ProHealth Cash plan is available in two types:

    • Basic Plan – This type of plan offers sickness hospital cash benefit, ICU cash benefit, worldwide cover and accident hospital cash benefit.
    • Enhanced Plan – This type of plan offers the convalescence benefit, compassionate benefit and companion benefit in addition to the coverage available under the Basic plan.

    Inclusions of ManipalCigna ProHealth Cash Plan

    A ManipalCigna ProHealth Cash plan includes the following coverage:

    • Sickness Hospital Cash Benefit – It pays a daily cash benefit in case the insured is hospitalized due to sickness.
    • Accident Hospital Cash Benefit – It pays twice the daily cash benefit amount if the insured is hospitalized due to an accident.
    • ICU Cash Benefit – It pays thrice the daily cash benefit amount for a maximum of 15 days in a policy year in case the insured is admitted to the ICU.
    • Worldwide Cover – It pays three times the daily cash benefit amount if the insured is hospitalized outside India.
    • Convalescence Benefit – It pays five times the daily cash benefit amount in case the insured is hospitalized continuously for 10 days or more.
    • Companion Benefit – It pays half the daily cash benefit amount to the person accompanying the insured to the hospitalization.
    • Compassionate Benefit – It pays 10 times the daily cash benefit amount in case the insured dies while being hospitalized for accidental injuries.

    Optional Covers:

    • Day Care Treatment – It covers the cost of five-day care procedures, including cataract surgery, up to five times the daily cash benefit amount or Rs 25,000, whichever is lower.
    • Accidental Death and Permanent Total Disability – It pays compensation up to the sum insured in case the insured dies in an accident or ends up suffering from permanent total disability.
    • Critical Illness Cover – It pays a lump sum amount to the insured in case he/she is diagnosed with one of the 11 listed critical illnesses.

    Exclusions of ManipalCigna ProHealth Cash Plan

    The following medical expenses are excluded under the ManipalCigna ProHealth Cash plan:

    • Self-inflicted injury or an attempt to suicide
    • Pregnancy
    • Treatment for drug or alcohol abuse
    • Dental treatment
    • Sexually transmitted diseases
    • Cosmetic surgery
    • Artificial life maintenance
    • Adventure or hazardous sports
    • Organ transplant surgery
    • HIV/AIDS

    ManipalCigna ProHealth Cash Plan Waiting Periods

    Check out the waiting period applicable under a ManipalCigna ProHealth Cash plan:

    Category Waiting Period
    Initial Waiting Period 30 days
    Specific Illness Waiting Period 2 years
    Pre-existing Diseases Waiting Period 4 years
    Critical Illness Waiting Period 90 days
    30 days (survival period)

    FAQs

    Health insurance articles

    Recent Articles
    Popular Articles
    Monkeypox: Dos and Don’ts of the Disease That You Should Know

    15 Sep 2022

    Monkeypox has slowly and steadily spread to more than 85 countries...
    Read more
    Why is It Important to Disclose Pre-existing Diseases to Your Insurer?

    06 Sep 2022

    As we grow old, the chances of developing a disease or a medical...
    Read more
    Benefits of Multi-Year Health Insurance Plans

    25 Aug 2022

    Ever since COVID-19 entered our lives, health insurance has come...
    Read more
    Does Health Insurance Cover Monkeypox?

    25 Jul 2022

    Monkeypox is the latest disease to make its way to India while we...
    Read more
    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
    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
    How to Apply for Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY)?
    Ayushman Bharat Yojana is a flagship health insurance scheme launched by the Government of India to offer universal...
    Read more
    Best Maternity Insurance Plans
    Maternity insurance offers comprehensive coverage for medical expenses incurred during pregnancy, including the cost...
    Read more
    Best Health Insurance Plans for Senior Citizens in 2022
    Senior citizens are the most prone to diseases. Considering the medical inflation in India, buying health insurance...
    Read more

     
    top
    Close
    Download the Policybazaar app
    to manage all your insurance needs.
    INSTALL