ManipalCigna ProHealth Cash Plan

What is the Plan all About?

When a near or dear one requires medical help, money is the last component to matter in such a scenario. However, by paying medical bills, there are many other non-medical expenses like traveling, food, non-admissible items, etc. that affect your savings and monthly budget. ManipalCigna offers ProHealth Cashplan which offers a fixed daily cash benefit which will aid you to combat these out of pocket expenses. It pays a guaranteed amount of days spent in the hospital regardless of the type and amount of the actual bill.

Key Features

Daily Hospital Cash benefit upto Rs.5000/-
Twice the daily benefit for Accidental Hospitalization
3 times daily benefit towards ICU and Worldwide cover
5 times of daily cash for convalescence benefit
Companion benefit of 50% of daily cash
3 optional covers with lump-sum payout

2 Variants of ProHealth Cash Plan

Plan 1: Basic Plan & Plan 2: Enhanced Plan

Policy Benefits

Provides Daily Cash Benefit for each continuous period of 24 hours of Hospitalization due to injury.This benefit is available in both basic and enhanced plans.
Avail 2 times the Daily Cash Benefit for each continuous tenure of 24 hours of Hospitalization for illness. This benefit is available in basic and enhanced plan both.
ICU Benefit will pay 3 times the Daily Cash Benefit. The benefit is limited to a maximum of 15 days per Insured in a policy year. This benefit is available in both basic and enhanced plans.
Worldwide coverage is available under both basic and enhanced plans. Avail 3 times the Daily Cash Benefit for treatment outside India.
Day care procedures covered upto lower of 5 times the Daily Cash Benefit or Rs.25,000, Benefit are limited to a maximum of 5 Day Care Treatments per Insured Person per Policy Year. It is an optional cover.
Sum insured paid in the event of Accidental Death or Permanent Total Disablement. It is an optional cover. Critical illness add on can also be opted to enhance the coverage under this plan.

Value Added Benefits

The following value added benefits are available only with the Enhanced variant of this plan:

Avail 5 times the Daily Cash Benefit for hospitalization as convalescence benefit for of at least 10 consecutive days.
Avail continuous care with additional pay of 50% of your Daily Hospital Cash Benefit as companion benefit.
The nominee gets a lump sum amount equal to 10 times the Daily Cash Benefit on the unfortunate death of the insured person due to accidental injury as a compassionate benefit during the course of hospitalization.
You can renew this plan for a lifetime.

Sub Limits

This plan does not have any voluntary or mandatory co pay.

Waiting Period Clause

Initial Waiting Period: A waiting period of 30 days for any claims except in case of accident claims.
Specific Waiting Period: Two Years Waiting Period will be applicable for specific illnesses.
Pre existing Disease Waiting Period: Any pre-existing ailment/injury that was diagnosed /acquired within 48 months.
Critical Illness Add on Waiting Period: 90 days prior to the symptoms of any critical illness.A 30 day survival period will also apply.

Who can Buy the Plan?

Factor	Minimum	Maximum
Age (as on last birthday)	Adult - 18 Years, Child - 91 Days	Adult- 65 Years, Child- 17 Years
Sum Insured ( for Daily Cash Benefit)	500 ( 1 Unit)	5000 (10 Units)
Sum Insured ( for Accidental Death , Permanent Total Disability & Critical Illness add-on)	Rs 50,000	25 Lacs
Cover Type	Individual	-
Policy Tenure	1 Year	3 Years
Grace Period	30 Days	-
Free Look Period	15 Days	-
Riders	Day Care Treatment Benefit,Accidental,Death & Permanent Total Disability Cover And Critical Illness Add-on Cover	-