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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:
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.
| PLAN DETAILS |
Manipalcigna Prohealth Cash Plan |
Icici Lombard Saral Suraksha Bima |
| Product Type | Senior Citizen Health Insurance | Accident 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 | 10600 |
| 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) |
- | Not 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) |
- | Applicable |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
- | Not Applicable |
| Plan Entry Age | Child: 91 days - 17 years, Adult: 18 - 65 years | Child: 3 months - 25 years, Adult: 18 - 70 years |
| Plan Premium Entry Age and S/A | 3200 | 224 |
| Plan Waiting Period | 30 | NA |
| Plan Coverage | 60, 90, 180 days | Accidental death cover, Permanent total disability cover, Permanent partial disability cover, Accident hospitalization expenses cover |
| Plan Sample Premium | NA | 224 |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1, 2, 3 Years | 1 Year |
| 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 | - | Covered |
| Claim Ratio | 98 | 97.16 |
| Solvency Ratio | 1.76 | 2.69 |
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