ManipalCigna ProHealth Cash Plan

Overview

ManipalCigna ProHealth Cash Policy: Your financial safety net, anytime, anywhere.

The ManipalCigna ProHealth Cash plan offers financial support during life's uncertainties. This plan is available in two variants:

• Basic
• Enhanced

Both variants provide daily cash benefits for medical expenses incurred during hospitalization.

You can choose a coverage tenure of 60, 90, or 180 days within one policy year. The policy's basic covers are detailed in the specifications table on this page. Additionally, it covers daycare treatment and offers accidental death and permanent total disability covers (based on the chosen coverage term).

The ManipalCigna ProHealth Cash policy covers insured individuals for a maximum of 450 days, including all daily cash benefits, over a lifetime. A mandatory deductible of one day (24 continuous hours of hospitalization) applies. The daily cash benefit becomes payable from the second day of hospitalization, after this deductible.

Further details on eligibility criteria, benefits, specifications, and exclusions are provided on this page.

Inclusions

Important Note on Deductible

• As per policy terms, a deductible of one day (24 continuous hours of hospitalization) applies. The claim becomes payable from the second day of hospitalization.

Exclusions

The policy does not cover:

• Any pre-existing diseases or disability arising from them.
• Suicide or attempted suicide.
• Intentional self-injury.
• Breach of law.
• Hazardous activities or life-threatening sports.
• Beautification or plastic surgeries (unless required due to accident or injury).
• Alcoholism or drug abuse.
• Foreign invasion or civil war.
• Dietary supplements.
• Refractive error.
• Birth control, sterility, and infertility.

Waiting Periods for Specific Conditions

• Specific ailments (e.g., Cataract, Stones, Arthritis): 24 months
• Pre-existing diseases: 48 months (4 years)

Waiting Periods for Add-on Covers

• Accidental cover: From day 1
• Critical illness add-on cover: 90 days
• Survival period (critical illness add-on cover): 30 days

Summing Up

In any emergency, the daily cost of hospitalization can be a significant expense, often not covered by basic health insurance policies. With the ManipalCigna ProHealth Cash plan, daily hospitalization cash expenses are covered for 60 to 180 days.

Looking to buy this policy from a trusted source? Call 1800 4200 269 now to inquire about the ProHealth daily cash policy.