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Updated on Sep 17, 2025 5 min read

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.

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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 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

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 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 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

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 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

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

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

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

Senior Citizen Health Insurance

ManipalCigna Prime Senior Elite Plan

A gift of better healthcare for the golden years of life! The ManipalCigna Prime Senior Elite plan is specially designed for the senior citizens of yo...

Unique Features

Modern treatment cover
Flexible health check-ups
Air ambulance cover

ManipalCigna Prime Senior Elite Plan (Pros)

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

ManipalCigna Prime Senior Elite Plan (Cons)

Cataract not covered
Sports injury cover
Cosmetic treatment unavailable
Baldness not covered
Higher co-pays applicable

ManipalCigna Prime Senior Elite Plan (Other Benefits)

AYUSH treatment cover
Second e-opinion covered
Multiple discounts available
OPD add-on cover available
COVID-19 treatment cover

ManipalCigna Prime Senior Elite Plan (Eligibility Criteria)

Entry age - 56 - 75 years
SI - INR 5 - 50 Lakhs
Waiting Period - 30 days

Individual and Family Health Insurance

ManipalCigna 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

ManipalCigna ProHealth Prime Advantage (Pros)

Bariatric surgery
Maternity coverage
Newborn baby cover
Daily cash benefits

ManipalCigna ProHealth Prime Advantage (Cons)

Compassionate travel
Copayment unavailable
Sub-limits not applicable

ManipalCigna ProHealth Prime Advantage (Other Benefits)

Air ambulance cover
OPD available
Domiciliary hospitalization

ManipalCigna 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

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

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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.

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ManipalCigna ProHealth Cash Plan

Why Do We Exist?

Compare

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ManipalCigna ProHealth Cash Plan Specifications

Entry Age

Policy Type

Sum Insured

Initial Waiting Period*

Renewability

Policy Term

ManipalCigna Health Insurance Network Hospital List

Delhi

Mumbai

Bengaluru

Chennai

Kolkata

Hyderabad

Pune

Ahmedabad

Jaipur

Lucknow

Specifications of ManipalCigna ProHealth Cash policy

Exclusions of ManipalCigna ProHealth Cash Policy

Permanent Exclusions

Coverage after Waiting Period

Summing Up

Explore other ManipalCigna Health Insurance

ManipalCigna Sarvah Plan (Pros)

ManipalCigna Sarvah Plan (Cons)

ManipalCigna Sarvah Plan (Other Benefits)

ManipalCigna Sarvah Plan (Eligibility Criteria)

Critical Care Plan (Pros)

Critical Care Plan (Cons)

Critical Care Plan (Other Benefits)

Critical Care Plan (Eligibility Criteria)

ManipalCigna Lifetime Health Plan (Pros)

ManipalCigna Lifetime Health Plan (Cons)

ManipalCigna Lifetime Health Plan (Other Benefits)

ManipalCigna Lifetime Health Plan (Eligibility Criteria)

ManipalCigna Super Top-up Plan (Pros)

ManipalCigna Super Top-up Plan (Cons)

ManipalCigna Super Top-up Plan (Other Benefits)

ManipalCigna Super Top-up Plan (Eligibility Criteria)

ManipalCigna Lifestyle Protection Accident Care Plan (Pros)

ManipalCigna Lifestyle Protection Accident Care Plan (Cons)

ManipalCigna Lifestyle Protection Accident Care Plan (Other Benefits)

ManipalCigna Lifestyle Protection Accident Care Plan (Eligibility Criteria)

ManipalCigna Arogya Sanjeevani Plan (Pros)

ManipalCigna Arogya Sanjeevani Plan (Cons)

ManipalCigna Arogya Sanjeevani Plan (Other Benefits)

ManipalCigna Arogya Sanjeevani Plan (Eligibility Criteria)

ManipalCigna ProHealth Cash Plan (Pros)

ManipalCigna ProHealth Cash Plan (Cons)

ManipalCigna ProHealth Cash Plan (Other Benefits)

ManipalCigna ProHealth Cash Plan (Eligibility Criteria)

ManipalCigna Super Top-up Plus Plan (Pros)

ManipalCigna Super Top-up Plus Plan (Cons)

ManipalCigna Super Top-up Plus Plan (Other Benefits)

ManipalCigna Super Top-up Plus Plan (Eligibility Criteria)

ManipalCigna Prime Protect Plan (Pros)

ManipalCigna Prime Protect Plan (Cons)

ManipalCigna Prime Protect Plan (Other Benefits)

ManipalCigna Prime Protect Plan (Eligibility Criteria)

ManipalCigna Prime Senior Elite Plan (Pros)

ManipalCigna Prime Senior Elite Plan (Cons)

ManipalCigna Prime Senior Elite Plan (Other Benefits)

ManipalCigna Prime Senior Elite Plan (Eligibility Criteria)

ManipalCigna ProHealth Prime Advantage (Pros)

ManipalCigna ProHealth Prime Advantage (Cons)

ManipalCigna ProHealth Prime Advantage (Other Benefits)

ManipalCigna ProHealth Prime Advantage (Eligibility Criteria)

ManipalCigna Prime Senior Plan (Pros)

ManipalCigna Prime Senior Plan (Cons)

ManipalCigna Prime Senior Plan (Other Benefits)

ManipalCigna Prime Senior Plan (Eligibility Criteria)

Health Insurance Premium Calculator

ManipalCigna ProHealth Cash Plan: FAQs

1. What is the ManipalCigna ProHealth Cash policy?