ManipalCigna ProHealth Cash Plan

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*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

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      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.

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      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)

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