ManipalCigna ProHealth Cash Health Insurance
Claim Settlement Ratio | 88.00% |
Network Hospitals | 8,700+ |
Pre-existing Disease Coverage From | 2 years |
Pre-existing Disease Waiting Period | 2 years |
Special Benefits | Unlimited Restoration |
Starting Premium (for 5L SI) | Rs. 566/month |
About ManipalCigna ProHealth Cash Health Insurance
The ProHealth Cash Insurance Plan by ManipalCigna is introduced to deliver additional assistance to insured members in terms of cash benefits. The fixed daily cash benefit is offered in the lump sum of Rs. 500 to Rs. 5000. It compensates the expenses that are not a part of the medical insurance policy. If someone is hospitalised with a family member as a companion to look after him or her, in such a case, this plan will ensure to deliver continuous care with additional pay of 50% of daily hospital cash benefit. Also, the plan provides three times of daily cash benefit on worldwide hospitalisation.
Available with two variants such as basic and enhanced plan, where the latter holds some other offerings too in addition to the basic plan. The minimum entry age under this policy is 91 days, and maximum age at entry is 65 years. To avail the optional cover for Accidental Death & Permanent Total Disability, the minimum entry age is 5 years. It can be issued on an individual basis covering the following relationships - self, spouse, children, parents, siblings, parents-in-law, grandparents and grandchildren and can be bought for 1, 2 or 3 continuous years.
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Key Inclusions and Exclusions of the Plan
What's Included
- Availability of worldwide coverage option
- The option of companion benefit is provided
- ICU Cash Benefit for an injury or an illness
- Cover for convalescence benefit is available
- Sickness and accident hospital cash benefit
What's Not Included
- Laser surgery for focal error correction
- Dental treatment or surgery unless necessary
- Stem cell implantation, surgery, harvesting, etc.
- All sexually transmitted disease treatment
- Any cosmetic surgery, aesthetic treatment, etc.
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Accidental Death and Permanent Total Disability
If an insured individual suffers an injury due to an accident that happens in the policy period and results in permanent total disablement or death of the person within 365 days from the day of the accident, then he or she will be eligible to get paid with the accident sum insured amount. In the case of death, the amount is paid to the nominee.
ManipalCigna ProHealth Cash Expert Review
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Major Attractions
Bearing the burden of regular expenses is not cherished by anyone. Hence, the plan like ProHealth Cash Insurance Plan is designed to lessen that extra burden by offering cash benefit to policyholders. Plan owns several components which are quite attractive and beneficial. Here is a list of few salients features of the plan:
- Fixed daily cash benefit in a lump sum
- Access to online wellness programs
- Companion benefit with 50% of the daily cash benefit
- ICU cash benefit for the treatment of illness or injury
- Worldwide hospitalisation with three times daily cash benefit
- Convalescence benefit is provided for a long stay in the hospital
- The compassionate benefit is offered on the unfortunate death of the insured person
- Optional covers for daycare treatment and accidental death and permanent disability cover
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What’s More?
The plan holds offerings which are not a part of plan coverage but render benefits. These additional elements of the plan make it more affordable. The additional benefits available under the plan are as follows:
- The policy offers the option of lifelong renewability
- Easy portability option is provided under the plan
- Earn different types of discounts on the premium paid
- 15 day free look period is given to review the policy
- Tax benefits are earned on the premium amount as per the section 80D of the IT Act
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Conclusion
The ProHealth Cash Insurance Policy owns various features that prove it to be a great option. People looking for a plan to offer them with a daily cash benefit should opt for it undoubtedly. It prevents the policyholders from experiencing a financial crisis due to a medical emergency by providing cash on daily as well as on a lump-sum basis.
The health insurance policy should always be bought from a trusted and verified insurer. InsuranceDekho is a reliable and renowned option for purchasing the health insurance policy online as it helps in opting for a policy through comparison with different plans of various insurers. In addition to this, the InsuranceDekho team assists in settlement of the claim, computing the premium, understanding the insurance plan, post-sale services, and so on.
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FAQs on ProHealth Cash Health Insurance Plan
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What are the relations that can be covered under this health insurance plan?
Relationships that can be covered under the plan include self, spouse, children, parents, siblings, parents-in-law, grandparents and grandchildren.
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What are the sum insured options available under the ProHealth Cash Insurance Plan?
A wide range of Daily Cash Benefit options is available under both the variants of the plan, i.e., Basic and Enhanced Plans. The Daily Cash Benefit ranges from Rs. 500 (1 Unit) to Rs. 5000 (10 Units) under both the variants. However, the sum insured option available under Personal Accident and Permanent Total Disability ranges from Rs. 50,000 to Rs. 25 Lakh.
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Does this plan offer any discount on the premium?
Yes, different types of discounts are available under the plan, which are as follows:
A) Family discounts
B) Long-term policy discount
C) Direct policy discount
D) Worksite marketing discount
E) Online discount -
Does this plan own any variant under it?
Yes, the plan is available under two variants named as Basic Plan and Enhanced Plan.