Manipal Cigna Pro Health Cash Insurance Plan

A policy that allows one to avail medical facilities as and when required without having to be bothered about the bills that are incurred outside of hospitalisation. Apart from basic medical bills, maternity expenses are also covered and the plan allows for daily cash benefit on medical expenses.

The cash benefit provided by this health insurance policy is helpful in reducing the financial burden that might be incurred on a recurring monthly basis. This is an with a policy term of 1 year.

Features of Manipal Cigna Pro Health Cash Plan

ProHealth Cash has two kinds of plans, the Basic version and the Enhanced version. The features of these plans are listed below -

Basic Plan:

Eligibility age	Entry ages - 91 days at least, 65 years at most
Basis	Individual
Premium	Premium amounts are decided as per the tier of the city the person belongs to, the results of the medical tests and are dependent on the discretion of ManipalCigna
Sum assured	Could be as low as INR 500 to as high as INR 5000
Policy term	1 year
Renewability	Renewable every year subject to age limits
Cover offered	Covers up to 60 days, 90 days or 180 days cash benefit every year
Benefits	Sickness Hospital Cash Benefit Accident Hospital Cash Benefit ICU Cash Benefit Worldwide Cover
Medical Tests	No medical tests up to the age of 45 years For ages of 46 years to 55 years, tests will be as per medical declarations For ages of 56 years and above, MER, ECG, Cholesterol, CBC, SGPT No medical tests up to the age of 35 years For ages of 36 years to 55 years, tests will be as per medical declarations For ages of 56 years and above, MER, ECG, Cholesterol, CBC, SGPT
General Exclusions	Waiting period exclusions - Pre-existing disease - 24/36/48 months respectively as per the plan opted Initial waiting period - 30 days from the date of inception of policy For specific ailments - 24 months Maternity - 48 months and 24 months if reduction in waiting period opted Critical Illness - 30 days from the date inception of policy Permanent exclusions - Genetic disorders Dental treatment, dentures or surgery Circumcision AIDS/HIV Mental illnesses

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Enhanced Plan

Eligibility age	Entry ages - 91 days at least, 65 years at most
Basis	Individual
Premium	Premium amounts are decided as per the tier of the city the person belongs to, the results of the medical tests and are dependent on the discretion of ManipalCigna
Sum assured	Could be as low as INR 500 to as high as INR 5000
Policy term	1 year
Renewability	Renewable every year subject to age limits
Cover offered	Covers up to 60 days, 90 days or 180 days cash benefit every year
Benefits	Sickness Hospital Cash Benefit Accident Hospital Cash Benefit ICU Cash Benefit Worldwide Cover Convalescence Benefit Companion Benefit Compassionate Benefit
Medical Tests	No medical tests up to the age of 45 years For ages of 46 years to 55 years, tests will be as per medical declarations For ages of 56 years and above, MER, ECG, Cholesterol, CBC, SGPT No medical tests up to the age of 35 years For ages of 36 years to 55 years, tests will be as per medical declarations For ages of 56 years and above, MER, ECG, Cholesterol, CBC, SGPT
General Exclusions	Waiting period exclusions - Pre-existing disease - 24/36/48 months respectively as per the plan opted Initial waiting period - 30 days from the date of inception of policy For specific ailments - 24 months Maternity - 48 months and 24 months if reduction in waiting period opted Critical Illness - 30 days from the date inception of policy Permanent exclusions - Genetic disorders Dental treatment, dentures or surgery Circumcision AIDS/HIV Mental illnesses

Apart from the above features and benefits, the optional covers available under this policy are -

Day Care Treatment Benefit
Accidental Death & Permanent Total Disability Cover
Critical Illness Add-on Cover

The minimum and maximum entry ages for Accidental Death & Permanent Total Disability Cover are 5 years and 65 years respectively. For the other optional covers, the minimum and maximum entry ages are 91 days and 65 years respectively. The cover is extended for either 60 days, 90 days or 180 days per year.

*The information listed here is as per the latest data. You should read the policy documents carefully before making a decision on buying a health insurance policy.

GST rate of 18% applicable for all financial services effective July 1, 2017.

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