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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:
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.
| PLAN DETAILS |
Manipalcigna Prohealth Cash Plan |
Personal Accident Plan |
| Product Type | Senior Citizen Health Insurance | Individual and Family Health Insurance |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
- | Not Covered |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
- | Not Covered |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
- | Not Covered |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
- | Not Covered |
| Post-hospitalization (Expenses after discharge from the hospital) |
- | Not Covered |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
- | Not Covered |
| Hospital_network (Number of Hospital Network in city) |
15000 | 10000 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
- | Not Covered |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
- | Not Covered |
| Ambulance Charges (Expenses incurred on ambulance charges) |
- | Covered |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
- | Not Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
- | Not Covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
- | Not Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
- | Not Covered |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
- | Not Covered |
| Plan Entry Age | Child: 91 days - 17 years, Adult: 18 - 65 years | Adult Entry Age: Minimum: 18 years, Maximum: 65 years. For Dependent Children (Maximum 2): Minimum: |
| Plan Premium Entry Age and S/A | 3200 | - |
| Plan Waiting Period | 30 | No Waiting Period |
| Plan Coverage | 60, 90, 180 days | - |
| Plan Sample Premium | NA | - |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1, 2, 3 Years | 1/2/3 Years |
| ICU Charges | - | Not Covered |
| Covid-19 Treatment | - | Not Covered |
| Cataract | - | Not Covered |
| Automatic Restoration | - | Not Covered |
| Ayush Treatment | - | Not Covered |
| Modern Treatment | - | Not Covered |
| E Consultation | - | Not Covered |
| Air Ambulance | - | Not Covered |
| Global Coverage | - | Not Covered |
| Claim Ratio | 98 | 94.4 |
| Solvency Ratio | 1.76 | 3.03 |
|
Niva Bupa Health Insurance Plan Detailed Review |
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