ManipalCigna ProHealth Cash Plan

Your safety wallet, anywhere any time. Buy your ManipalCigna ProHealth Cash Policy.

ManipalCigna ProHealth Cash plan is extended financial support through the ups and downs of your life. There are two variants of this plan:

Basic, and
Enhanced.

Both of these plan variants can be used to avail of daily cash benefits for medical expenses related to hospitalisation.

The good part of this health insurance plan is, you can opt your coverage tenure out of 60, 90, and 180 days in one policy year. The basic covers of this policy are mentioned in the specifications table, which you'll find further on this page. Apart from this, you can also claim for the daycare treatment facility, that provides accidental death and permanent total disability covers (based on the coverage term).

You should note that the ManipalCigna ProHealth Cash policy will cover the insured individuals for a maximum of 450 days including all the daily cash facilitations in a lifetime. Also, there is a clause of a mandatory deductible of one day i.e., a continuous hospitalisation of 24 hours. Only after paying this deductible amount, you can get the hospital's daily cash benefit from the 2nd day of the hospitalisation.

Rest, the eligibility criteria, benefits or specifications, and exclusions are explained further on this page. Read on to know more about the same.

ManipalCigna ProHealth Cash Plan Specifications

To understand ManipalCigna ProHealth Cash Plan Insurance in detail, take a look at the below table:

Entry Age

Child: 91 days - 17 years, Adult: 18 - 65 years

Policy Type

Senior Citizen Health Insurance

Sum Insured

5 K

Initial Waiting Period*

30 Days

Renewability

Lifelong

Policy Term

1, 2, 3 Years

*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.

Read more specifications in the brochure.

ManipalCigna Health Insurance Network Hospital List

ManipalCigna Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, ManipalCigna Health Insurance ensures that you are medically secured, irrespective of the city you reside in.

Delhi

Mumbai

Bengaluru

Chennai

Kolkata

Hyderabad

Pune

Ahmedabad

Jaipur

Lucknow

Know More About Network Hospital

Specifications of ManipalCigna ProHealth Cash policy

Basic Covers	ProHealth Cash- Basic	ProHealth Cash- Enhanced
Sickness Hospital Cash Benefit	A Daily Cash Benefit for hospitalisation due to sickness will be payable
Accident Hospital Cash Benefit	2 times the Daily Cash Benefit for hospitalisation due to an accident will be payable
ICU Cash Benefit	3 times the Daily Cash Benefit for ICU hospitalisation will be payable. Coverage is limited to 15 days per insured person per policy year
Worldwide Cover	3 times the Daily Cash Benefit for hospitalisation outside India will be payable
Convalescence Benefit	Not Covered	5 times the Daily Cash Benefit will be payable for hospitalisation of 10 or more continuous days. Benefit is available only once per insured person, per policy year
Companion Benefit	Not Covered	50% of the Daily Cash Benefit will be payable to the accompanying person taking care of the insured
Compassionate Benefit	Not Covered	The insurer will pay 10 times the Daily Cash Benefit if the insured person dies during accidental hospitalisation
Optional Benefits
Choice of Day Care Treatment Benefit	A lower of 5 times the Daily Cash Benefit or INR 25,000 will be payable for listed procedures with a maximum limit of 5 daycare treatments including 1 surgery for Cataract per insured per policy year
Choice of AD & PTD Cover	Covered upto INR 50,000 to 25 Lakhs for accidental death and permanent total disability. The minimum entry age for availing this benefit is 5 years
Add-on Riders
Critical Illnesses Cover	It covers 11 listed critical illnesses which can be availed only after paying the additional premium payments
Coverage Options
Option to Choose Coverage Period	Choose a maximum number of days of coverage from 60, 90 and 180 days per policy year (limited to a max. no. of 450 days, including all Daily Cash Benefits)
Family Discount	10% for covering 3 or more family members under the same policy
Online Renewal Discount	3% per annum if the customer chooses NACH or standing instruction (where payment is made by direct debit of a bank account or credit card). Applicable from the next renewal of the policy
Long Term Discount	7.5% and 10% on opting for 2 and 3 years single premium policy
Online Wellness Program	Access to an online wellness program supports you to live a healthy life
Lifelong Renewability	Yes, covered

NOTE: As per the terms and conditions of the policy, a deductible of one day (24 continuous hours of hospitalisation) will apply and the claim will become payable from the second day of hospitalisation.

Exclusions of ManipalCigna ProHealth Cash Policy

Permanent Exclusions

Permanent diseases or health conditions that are not included under ManipalCigna ProHealth Cash Policy are:

Any PEDs or disability arising due to it

Suicide or an attempt at suicide

Intentional self-injury

Breach of law

Hazardous activities/life-threatening sports

Beautification/plastic surgeries (except caused due to accident/injury)

Alcoholism/drug abuse

Foreign invasion or civil war

Treatment/consequences due to alcoholism/drug abuse

Dietary supplements

Refractive error

Birth control, sterility and infertility

Coverage after Waiting Period

Certain diseases and treatments are covered under this plan after a certain time period. Read the details below:

Exhaustive ailments (Cataract, Stones, Arthritis etc): 24 months

Pre-existing diseases: 48 months/4 years

Accidental cover: Day 1

Critical illness add-on cover: 90 days

Survival period (critical illness add-on cover): 30 days

Summing Up

In any emergency, one of the major expenses is the daily cash of hospitalisation, and it might not be covered in all types of basic health insurance policies. For that, you need not worry anymore! With the ManipalCigna ProHealth Cash plan, the daily cash hospitalisation expenses are covered for a period of 60 to 180 days.

Looking to buy this policy from a trusted source? Don’t get worried, dial 1800 4200 269 on your phone right now and raise your query for the ProHealth daily cash policy.

Explore other ManipalCigna Health Insurance

To cater to the different medical needs of an individual & their family, ManipalCigna Health Insurance offers several Health Plans ranging from senior citizen plans to specialized plans for autistic children, to health insurance for cardiac patients, and many more.Take a look below to ManipalCigna Health Insurance plans explore more:

Individual and Family Health Insurance

ManipalCigna ProHealth Protect Plan

ManipalCigna ProHealth Protect Plan is a comprehensive health insurance policy designed to take care of you and your family in your health and illness...

Unique Features

Avail Add-On Covers
Optional Benefits Available
High SI Options

ManipalCigna ProHealth Protect Plan (Pros)

Newborn Baby and Maternity Cover
Health Maintainance Benefit
AYUSH Cover

ManipalCigna ProHealth Protect Plan (Cons)

Compassionate travel
Vaccination expenses
E-consultation

ManipalCigna ProHealth Protect Plan (Other Benefits)

Daycare treatment
Domiciliary treatment
OPD cover

ManipalCigna ProHealth Protect Plan (Eligibility Criteria)

Entry age: 18 years to No limit
SI: 2.5 L to 50 L
Initial waiting period: 30 days
Policy term: 1/2/3 years

Individual and Family Health Insurance

ManipalCigna ProHealth Plus

The ManipalCigna ProHealth insurance policy is specially designed to cater to all your worries regarding your health and wellness. It provides the pol...

Unique Features

Suitable for New Couples
Family Planning Coverage
Maternity & Newborn Cover

ManipalCigna ProHealth Plus (Pros)

Maternity & new-born benefits
Modern treatment
500+ daycare procedures
Listed critical illnesses

ManipalCigna ProHealth Plus (Cons)

IVF not covered
E-consultation
Compassionate travel

ManipalCigna ProHealth Plus (Other Benefits)

Organ donor expenses
Worldwide coverage
In-patient hospitalization
Out-patient hospitalization

ManipalCigna ProHealth Plus (Eligibility Criteria)

Entry age: 18 years to No max limit
SI: 4.5 L to 50 L
Initial waiting period: 30 days
Policy term: 1/2/3 years

Senior Citizen Health Insurance

ManipalCigna Prime Senior Plan

We all know that senior citizens are prone to developing more diseases that can continue until their last breath if not treated well. In such scenario...

Unique Features

Modern treatment cover
Low waiting periods
Room category flexibility

ManipalCigna Prime Senior Plan (Pros)

Daily cash for shared accommodation
Air ambulance
Domestic second opinion
Unlimited 100% SI restoration

ManipalCigna Prime Senior Plan (Cons)

OPD cover
Maternity and newborn cover
Compassionate travel

ManipalCigna Prime Senior Plan (Other Benefits)

Any room upgradation
Unlimited SI restoration
PEDs waiting period reduction
Domestic second opinion (Elite)

ManipalCigna Prime Senior Plan (Eligibility Criteria)

Entry age: 56 to 75 years
SI: 3 to 50 Lakhs
Policy term: 1/2/3 years
Initial waiting period: 30 days

Individual and Family Health Insurance

ProHealth Prime Advantage

Buying health insurance that provides you and your family a 360-degree coverage against medical emergencies is the need of this hour. ManipalCigna Pro...

Unique Features

360 Degree Family Coverage
Additional Wellness Programs
OPD Charges Covered

ProHealth Prime Advantage (Pros)

Bariatric surgery
Maternity coverage
Newborn baby cover
Daily cash benefits

ProHealth Prime Advantage (Cons)

Compassionate travel
Copayment unavailable
Sub-limits not applicable

ProHealth Prime Advantage (Other Benefits)

Air ambulance cover
OPD available
Domiciliary hospitalization

ProHealth Prime Advantage (Eligibility Criteria)

Entry age: 18 years to no max limit
SI: 5 L to 1 Cr
Policy term: 1/2/3 years
Initial waiting period: 30 days

Individual and Family Health Insurance

ManipalCigna Prime Protect Plan

"Your Health Deserves Better!" Get safeguarded with a health plan that provides you with all-around healthcare facilitation." ManipalCigna Prime Prote...

Unique Features

Customizable health benefits
High-value covers
Health reward discounts

ManipalCigna Prime Protect Plan (Pros)

In-patient hospitalisation
Daycare treatment
Domiciliary hospitalisation
Sum insured restoration
Organ donor cover

ManipalCigna Prime Protect Plan (Cons)

Adventure sport injuries
Cosmetic treatment
Alcoholism/drug abuse
Self-inflicted injury

ManipalCigna Prime Protect Plan (Other Benefits)

Optional covers
Add-ons available
Unlimited benefits up to SI
Bariatric surgery cover
AYUSH treatment cover

ManipalCigna Prime Protect Plan (Eligibility Criteria)

Child Entry age - 91 days - 25 Years
Adult Entry Age- 18 Years- No Limit
SI - INR 3 Lakhs - 1 Crore
Waiting Period - 30 days

Top Up and Super Top Up

ManipalCigna Super Top-up Plus Plan

“It’s Super Easy, Super Affordable.” ManipalCigna super top-up plus plan is an additional protection that you can buy to expand your...

Unique Features

Choose any hospital room
Affordable premiums
Healthcare inflation protection

ManipalCigna Super Top-up Plus Plan (Pros)

Pre-hospitalization cover
Post-hospitalization cover
Modern treatment cover
AYUSH hospitalization

ManipalCigna Super Top-up Plus Plan (Cons)

Obesity/ weight control
Change of gender treatments
Hazardous or adventure sports
Maternity not covered
Newborn baby cover NA

ManipalCigna Super Top-up Plus Plan (Other Benefits)

Organ donor cover
Discounts on premium
30 days grace period
Deductible options

ManipalCigna Super Top-up Plus Plan (Eligibility Criteria)

Entry Age - 91 days
Max Entry Age - No Limit
SI - 1 - 30 Lakhs
Waiting Period - 30 Days

Individual and Family Health Insurance

ProHealth Prime Active Plan

ManipalCigna ProHealth Prime Active is a comprehensive plan to keep you, Healthy bhi and Active bhi. But have you ever imagined why Indians don't prio...

Unique Features

Worldwide emergency cover
Premium waiver benefit
Covers 36 listed critical illnesses

ProHealth Prime Active Plan (Pros)

Global cover
Modern treatment
Second medical opinion

ProHealth Prime Active Plan (Cons)

OPD cover
Maternity benefits
Newborn baby cover

ProHealth Prime Active Plan (Other Benefits)

In-patient hospitalization
Daycare procedures
Organ donor cover

ProHealth Prime Active Plan (Eligibility Criteria)

Entry age: 18 to 70 years
SI: 3 to 15 Lakhs
Waiting period: 30 days
Policy term: 1/2/3 years

Individual and Family Health Insurance

ManipalCigna ProHealth Select Plan

ManipalCigna ProHealth Select - A health insurance plan that extends coverage in times of need. Life's unpredictable emergencies require your financia...

Unique Features

Customizable policy
Reassurance/Premium waiver
High SI options available

ManipalCigna ProHealth Select Plan (Pros)

Room rent
ICU charges
Pre and post-hospitalisation
OPD charges

ManipalCigna ProHealth Select Plan (Cons)

Investigation & evaluation
Rest/cure/rehabilitation and respite care
Obesity/weight control
Dental treatment

ManipalCigna ProHealth Select Plan (Other Benefits)

Cataract
No claim bonus
Automatic restoration

ManipalCigna ProHealth Select Plan (Eligibility Criteria)

Min entry age: 18 Years
Max entry age: 65 Years
Initial Waiting Period: 30 Days
Sum Insured: Up to 25 L

Senior Citizen Health Insurance

ManipalCigna ProHealth Cash Plan

Your safety wallet, anywhere any time. Buy your ManipalCigna ProHealth Cash Policy. ManipalCigna ProHealth Cash plan is extended financial support thr...

Unique Features

Daily hospital cash benefit
Worldwide cover option
Multiple discounts available

ManipalCigna ProHealth Cash Plan (Pros)

Comes in 2 variants
Sickness hospital cash benefits
ICU cash benefit
Worldwide cover

ManipalCigna ProHealth Cash Plan (Cons)

Breach of law
Suicide or an attempt to commit suicide
Alcoholism or drug abuse
Contamination from Nuclear fuel or radiation

ManipalCigna ProHealth Cash Plan (Other Benefits)

Option to choose coverage period
Family discount
Online renewal discount
Long-term discount

ManipalCigna ProHealth Cash Plan (Eligibility Criteria)

Entry age- 91 days to 65 years
Coverage period- 60/90/180 days
Sum Insured- INR 500-5000

Individual and Family Health Insurance

ManipalCigna Arogya Sanjeevani Plan

Protect your family with the ManipalCigna Arogya Sanjeevani policy! Yes, you heard that right. You should buy a standard health insurance policy like ...

Unique Features

AYUSH treatment cover
Covers modern treatments
Affordable & available for all

ManipalCigna Arogya Sanjeevani Plan (Pros)

Room rent covered
ICU charges
Pre-hospitalisation
Daycare treatment

ManipalCigna Arogya Sanjeevani Plan (Cons)

Breach of law
Hazardous or adventure sports
Contamination from Nuclear fuel/radiation
Unproven treatments

ManipalCigna Arogya Sanjeevani Plan (Other Benefits)

AYUSH treatment
Modern treatment
Cataract

ManipalCigna Arogya Sanjeevani Plan (Eligibility Criteria)

Min entry age: 18 Years
Max entry age: 65 Years
Initial Waiting Period: 30 Days
Sum Insured: Up to 10 L

Accident Health Insurance

ManipalCigna Lifestyle Protection Accident Care Plan

Always be prepared for the ups and downs of life! Buy your ManipalCigna Lifestyle Protection Accident Care insurance plan that protects you financiall...

Unique Features

Lump sum payout
Dependent children cover
Loss of income benefit

ManipalCigna Lifestyle Protection Accident Care Plan (Pros)

Accidental death covered
Permanent total disability
Education fund
Emergency ambulance cover

ManipalCigna Lifestyle Protection Accident Care Plan (Cons)

Any PEDs
Suicide or an attempt at suicide
Intentional self-injury
Breach of law

ManipalCigna Lifestyle Protection Accident Care Plan (Other Benefits)

Burns cover
Broken bones benefit
Temporary total disability

ManipalCigna Lifestyle Protection Accident Care Plan (Eligibility Criteria)

Entry age- Child: 5 - 25 years; Adult: 18 - 80 years
Sum Insured: INR 50
000 - 10 Crores
Accidental injury/death: Day 1

Individual and Family Health Insurance

ManipalCigna ProHealth Plan

ManipalCigna ProHealth Insurance Policy by ManipalCigna Health Insurance Company is a comprehensive hospitalization insurance plan that protects you a...

Unique Features

Know About the Plan & its Variants
Explore the Features & Eligibility
Inclusions and Exclusions

ManipalCigna ProHealth Plan (Pros)

Pre-hospitalisation
Post-hospitalisation
Unlimited teleconsultation
Daily hospitalcash
SI restoration benefit

ManipalCigna ProHealth Plan (Cons)

Obesity weight control
Change of gender treatments
Breach of law

ManipalCigna ProHealth Plan (Other Benefits)

Cashless claim settlement
AYUSH treatment
Trusted insurance provider

ManipalCigna ProHealth Plan (Eligibility Criteria)

Min entry age: 91 days
Max entry age: Unlimited
Initial Waiting Period: 30 Days
Sum Insured: Up to 1 Cr

Individual and Family Health Insurance

ManipalCigna Super Top-up Plan

ManipalCigna Health Insurance provides the insured with additional coverage and their existing health insurance policy with their Super Top-up plan. T...

Unique Features

Boost Your Health Coverage
Eligibility Criteria and Features
Inclusions & Exclusions

ManipalCigna Super Top-up Plan (Pros)

AYUSH treatment
Modern treatment cover
Organ donor expenses

ManipalCigna Super Top-up Plan (Cons)

Maternity cover
Global cover
No OPD cover
Domiciliary care unavailable

ManipalCigna Super Top-up Plan (Other Benefits)

In-patient hospitalization
Pre & post-hospitalization
Daycare procedures cover

ManipalCigna Super Top-up Plan (Eligibility Criteria)

Entry age: 18 years to no age bar
Policy term: 1/2/3 years
Initial waiting period: 30 days
SI: 3 to 30 Lakhs

Individual and Family Health Insurance

ManipalCigna Lifetime Health Plan

Manipal Cigna LifeTime Health Insurance is a reliable health insurance plan that prioritizes your healthcare needs and looks after them. ManipalCigna ...

Unique Features

Know About the Plan & its Variants
Explore the Features & Eligibility
Inclusions and Exclusions

ManipalCigna Lifetime Health Plan (Pros)

Covers the treatment cost of HIV/AIDS and STD
Covers mental illness
You can opt for global coverage

ManipalCigna Lifetime Health Plan (Cons)

Vaccination not covered
IVF treatment not covered
Air ambulance not covered

ManipalCigna Lifetime Health Plan (Other Benefits)

You can opt for deductibles
Air ambulance covered
Domestic and international coverage

ManipalCigna Lifetime Health Plan (Eligibility Criteria)

Min entry age: 18 Years
Max entry age: 65 Years
Initial Waiting Period: 30 Days
Sum Insured: Up to 3 Crore

Individual and Family Health Insurance

ManipalCigna ProHealth Prime Plan

ManipalCigna ProHealth Prime is a comprehensive and flexible Health Insurance Plan that offers Better Coverage, Better Control, and Better Care for th...

Unique Features

Comprehensive coverage
High sum insured
Customized benefits

ManipalCigna ProHealth Prime Plan (Pros)

Annual health check up
Domestic second opinion
Switch off benefit
Premium waiver benefits
OPD expense covered

ManipalCigna ProHealth Prime Plan (Cons)

Optional deductibles
10% co-payment
PED 2-year waiting period
Long waiting period

ManipalCigna ProHealth Prime Plan (Other Benefits)

Domiciliary hospitalisation
Air ambulance cover
Cumulative bonus booster
CI add on cover
SI restoration

ManipalCigna ProHealth Prime Plan (Eligibility Criteria)

Min entry age: 91 days
Max entry age: 65 Years
Initial Waiting Period: 30 Days
Sum Insured: Up to 1 Cr

Group Health Insurance

ManipalCigna Pro Health Group Plan

ManipalCigna ProHealth Group Insurance Policy has been designed to provide more extensive and better insurance solutions to employer-employee and non-...

Unique Features

Avail Critical Illness Cover
High Sum Assured
Optional Covers

ManipalCigna Pro Health Group Plan (Pros)

Avail Critical Illness Cover
High Sum Assured
Optional Covers Available

ManipalCigna Pro Health Group Plan (Cons)

Injuries due to unlawful activities
Obesity
Cosmetic surgery
Injuries due to illegal activities
Illness due to radiation exposure

ManipalCigna Pro Health Group Plan (Other Benefits)

Donor expenses cover
AYUSH treatment cover
Daily Cash Benefits
Critical illness cover
Personal accident cover

ManipalCigna Pro Health Group Plan (Eligibility Criteria)

Min entry age: Day 1
Max entry age: 65 Years
Initial Waiting Period: 30 Days
Sum Insured: Up to 1 Cr

Individual and Family Health Insurance

Critical Care Plan

ManipalCigna Health Insurance Company offers its Critical Illness policy which is also a global plan that assures you financial support during critica...

Unique Features

CI Cover
Eligibility & Features
30 CI Cover

Critical Care Plan (Pros)

15 or 30 major illnesses
Medical second opinion
Online wellness program

Critical Care Plan (Cons)

No daily cash benefit
In-patient hospitalization
OPD unavailable
Daycare procedures

Critical Care Plan (Other Benefits)

Basic & advanced add-on cover benefits
Organ donor expenses

Critical Care Plan (Eligibility Criteria)

Entry age: 18 to 65 years
SI: 1 L to 25 Cr
Policy term: 1/2/3 years
Waiting period: 90 days

Individual and Family Health Insurance

ManipalCigna Sarvah Plan

'Sahi Health Insurance Chuno, SADA SECURE RAHO' Yep, that's right, this is what ManipalCigna's new SARVAH plan talks about. With this plan, ManipalCig...

Unique Features

Comprehensive coverage
High sum insured
Customized benefits

ManipalCigna Sarvah Plan (Pros)

Coverage for major illness
Reduced waiting period for pre-existing diseases
Unlimited restoration
Surplus benefits

ManipalCigna Sarvah Plan (Cons)

Maternity benefit not covered
No global coverage
Daily hospital cash not covered

ManipalCigna Sarvah Plan (Other Benefits)

Tatkal benefit
Comprehensive personal accident cover
Gullak and Sarathi benefits

ManipalCigna Sarvah Plan (Eligibility Criteria)

Entry Age -91 days
Maximum Entry Age - No Limit
SI - Up to 3 Crore
Waiting Period - 30 days

ManipalCigna ProHealth Cash Plan: FAQs

1. What is the ManipalCigna ProHealth Cash policy?

This policy provides daily cash for hospitalisation expenses to cut off an additional financial burden on the insured during prolonged hospitalisation.

2. What are the major benefits of this insurance policy?

Here are some of the basic covers under ManipalCigna ProHealth Cash policy: Access to online wellness program Worldwide cover for injury/illness Covers upto 180 days for daily hospital cash Family & long-term discount benefits

3. What are the sum insured options under the ProHealth Cash policy?

The total payable sum insured for hospital cash is between INR 500 to 5000 per day.

4. Can I avail of the tax benefits under this policy?

Yes, you can avail of the tax benefit against paid premiums under Section 80D of the Income Tax Act.