A daily cash plan to financially aid hospitalization expenses
Sum Insured: ₹ 500 - 5000 /Day
A daily cash plan to financially aid hospitalization expenses
Best suited for
Individual
Multi Individual
Key Benefits
Launch Date: 17-03-2021
Various Plans
ManipalCigna ProHealth Cash
has been designed keeping your needs in mind.ProHealth Cash - Basic Plan
A daily cash plan to financially aid hospitalization expenses
Ped Waiting Period
4 years
Sum Insured
500 - 5000
Sickness Hospital Cash Benefit
Accident Hospital Cash Benefit
ICU Cash Benefit
Worldwide Cover
Choice of Day Care Treatment benefit
Choice of Accidental Death and Permanent Total Disability (PTD) cover from ₹ 50,000 to ₹ 25 lacs.
Option to choose maximum number of days of coverage from 60,90 and 180 per policy year (Policy is limited to a maximum number of 450 days, including all Daily Cash Benefits).
Choice of Policy Term 1,2 and 3 Years.
Family Discount of 10% for covering 3 or more family members under the same policy
Long Term discount of 7.5% and 10% on opting for 2 and 3 Year single premium
Online Renewal Discount of 3% p.a. if the customer chooses for NACH or standing instruction (where payment is made either by direct debit of bank account or credit card) option, applicable from next renewal of the policy.
Access to Online Wellness Program for healthy living
Lifetime Renewal
Income Tax Benefit under Sec 80D, Income Tax Act
For more information please read terms and conditions
What’s covered
- Sickness Hospital Cash Benefit
- Accident Hospital Cash Benefit
- ICU Cash Benefit
- Worldwide Cover
What’s not covered
- Dental treatment
- Circumcision
- Birth control procedures, contraceptive supplies and services
- Routine medical check-up and diagnostic tests
- All sexually transmitted diseases except HIV/AIDS
- Ailments arising out of alcohol and drug abuse
- Cosmetic surgery except reconstructive surgery for burns and accidents
- Any form of non-allopathic treatment unless specifically covered under the policy
Above List is only indicative and not exhaustive. For complete details on Eligibility, Coverages, Benefits, Terms, Condition and Exclusions please refer Policy Wordings and Prospectus
Optional Covers
• Accidental Death and Permanent Total Disability cover
(Minimum entry age is 5 years.)
• Day Care Treatment Benefit
Riders
Critical Illness Add On Cover: Covers listed 11 Critical Illnesses. Available on payment of additional premium
Min Entry Age
Child - 91 days, Adult - 18 years
Cover Type
Individual Basis
Max Entry Age
65 years
Policy Period
1, 2 and 3 years
(Discount of 7.5% for 2 years and 10 % for 3 years policy term with single premium payment mode)
ProHealth Cash Enhanced Plan
A daily cash plan to financially aid hospitalization expenses
Ped Waiting Period
4 years
Sum Insured
500 - 5000
Sickness Hospital Cash Benefit
Accident Hospital Cash Benefit
ICU Cash Benefit
Worldwide Cover
Convalescence Benefit
Companion Benefit
Compassionate Benefit
Choice of Day Care Treatment benefit Choice of Accidental Death (AD) and Permanent Total Disability (PTD) cover from ₹ 50,000 to ₹ 25 Lacs
Option to choose maximum number of days of coverage from 60,90 and 180 per policy year (Policy is limited to a maximum number of 450 days, including all Daily Cash Benefits).
Choice of Policy Term 1,2 and 3 Years.
Family Discount of 10% for covering 3 or more family members under the same policy.
Online Renewal Discount of 3% p.a. if the customer chooses for NACH or standing instruction (where payment is made either by direct debit of bank account or credit card) option, applicable from next renewal of the policy.
Long Term discount of 7.5% and 10% on opting for 2 and 3 Year single premium
Access to Online Wellness Program for healthy living
Lifetime Renewal
Income Tax Benefit under Sec 80D, Income Tax Act
For more information please read terms and conditions
What’s covered
- Sickness Hospital Cash Benefit
- Accident Hospital Cash Benefit
- ICU Cash Benefit
- Worldwide Cover
- Convalescence Benefit
- Companion Benefit
- Compassionate Benefit
What’s not covered
- Dental treatment
- Circumcision
- Birth control procedures, contraceptive supplies and services
- Routine medical check-up and diagnostic tests
- All sexually transmitted diseases except HIV/AIDS
- Ailments arising out of alcohol and drug abuse
- Cosmetic surgery except reconstructive surgery for burns and accidents
- Any form of non-allopathic treatment unless specifically covered under the policy
Above List is only indicative and not exhaustive. For complete details on Eligibility, Coverages, Benefits, Terms, Condition and Exclusions please refer Policy Wordings and Prospectus
Optional Covers
• Accidental Death and Permanent Total Disability cover
(Minimum entry age is 5 years.)
• Day Care Treatment Benefit
Riders
Critical Illness Add On Cover: Covers listed 11 Critical Illnesses. Available on payment of additional premium
Min Entry Age
Child - 91 days, Adult - 18 years
Cover Type
Individual Basis
Max Entry Age
65 years
Policy Period
1, 2 and 3 years
(Discount of 7.5% for 2 years and 10 % for 3 years policy term with single premium payment mode)
Got Questions?
What are the details to be provided at the time of intimation of claim?
The following details are to be provided to the company’s at the tine of intimation of Claim: Policy number, Name of policy, Name of the insured person in whose relation the Claim is being lodged. Nature of illness / injury. Name and address of the attending Medical Practitioner and hospital. Date of Admission and any other information as requested by Us.
ManipalCigna ProHealth Cash
ManipalCigna ProHealth Cash Plan
ManipalCigna ProHealth Cash Plan is a daily cash plan to aid your hospitalization expenses financially. The ProHealth Cash Plan offers fixed hospital cash benefit insurance, which assures you and your family prompt financial assistance. So, don't fret over those hospital expenses and put aside managing your everyday spends with our health care plan.
Count on us for times when you are not in the best of your health. Forget about your worries and concentrate on getting better. Keep your savings for yourself with our ProHealth Cash Insurance Plan.
The ProHealth Cash Plan covers your daily cash needs and is available under two options:
- Basic plan
- Enhanced plan
Why Do You Need ManipalCigna ProHealth Cash Plan?
Why should one buy a hospital cash plan if one has a health insurance cover? Here’s your answer. A health insurance plan would cover a majority of medical expenses, but it may fall short to cover expenses like co-pays, deductible, transportation expenses, non-admissible items, incidental charges, etc. Such expenses leave you responsible for bearing their financial burden.
A hospital cash plan like the ProHealth Cash Plan pays you cash benefit, which can be used any way you deem necessary, for each day that you or your dependent is hospitalized.
Some health insurance plans include hospital Daily Cash Benefit by way of a rider or an add-on, but a standalone ProHealth Cash Plan covers way more comprehensively in terms of both benefits and amount of coverage. A health care plan may come with a deductible.
ProHealth Cash Plan is the best hospital cash policy as it:
- Offers a wide choice of Daily Cash Benefits payable
- Pays your cash directly when you need it the most
- Can be used to compensate for expenses that are not covered by a regular health insurance plan
- Can offset lost wages due to hospitalization
ManipalCigna ProHealth Cash is a global and fixed hospital cash benefit insurance plan. The health care plan assures you and your family prompt financial assistance wherever you are in the world and whatever happens so that you can leave your financial worry on us and concentrate on getting better.
FAQs about ManipalCigna ProHealth Cash
Q.1) WHAT ARE THE SUM INSURED OPTIONS?
You will have option to choose a Daily Cash Benefit (DCB) from ₹500 (1 Unit) to ₹5000 (10 Units). The Sum Insured available under Personal Accident and Permanent Total Disability ranges from ₹50,000 to ₹25 Lacs. Eligibility of Accidental Death and Permanent Total Disability sum insured will be determined basis income with the maximum being 10 times of annual income.
Q.2) WHAT ARE THE POLICY TENURE OPTIONS?
Policy can be issued or renewed for one, two or three continuous years at the option of the policy holder. Premiums will be payable either by Single premium mode or in installments through Annual Mode in case of a 2 or 3 year policy.
Q.3) WHAT IS THE MINIMUM AND MAXIMUM AGE AT ENTRY FOR THIS POLICY?
The minimum entry age under this policy is 91 days and maximum age at entry is 65 years. To avail the Optional Cover for Accidental Death & Permanent Total Disability the minimum entry age is 5 years.
Once a child attains 18 years of age, he/she has the option to move in to an individual cover.
Q.4) HOW THE PREMIUM WILL BE DETERMINED FOR THE PROHEALTH CASH POLICY?
The Premium charged on the Policy will depend on the Plan, Daily Cash Benefit, Policy Tenure, Age, Optional Covers and Maximum Coverage Limit opted. Additionally the health status of the individual will also be considered.
Q.5) WHAT IS THE WORLDWIDE COVER AVAILABLE UNDER THE POLICY?
Policy covers medically necessary hospitalization (planned or emergency) outside India for any illness or injury within the policy period. Payment will be 3 times the DCB for each continuous and completed period of 24 hours of Hospitalization.