ManipalCigna ProHealth Cash Plan

A health insurance plan acts as a financial cushion if a medical emergency strikes. It covers all the medical expenses that are incurred during hospitalisation. However, there are a number of additional expenses that occur when you or your loved one is hospitalised, such as transportation, food, additional supplies, co-pays, deductibles, etc., that are not covered under your health insurance. Managing such expenses from your own pocket can drain your savings fast. A hospital cash plan in addition to your health insurance plan, can come to the rescue in such a situation.

Manipal Cigna ProHealth Cash Plan is one such plan that covers your daily cash needs during hospitalisation. Let us find out how.

ManipalCigna ProHealth Cash Plan is a daily cash policy that covers your non-medical hospitalisation expenses for a continuous and completed period of 24 hrs of hospitalisation. The plan provides a fixed amount as hospital cash that helps in managing everyday expenditures during a hospital stay. You can use the daily cash benefit in any way you think is required.

You must be wondering now, that daily cash benefit is available as an add-on cover with most health insurance plans then why does one need a stand-alone ManipalCigna ProHealth Daily Cash Policy? The answer is that a daily cash plan is much more comprehensive in terms of the amount of coverage offered. To understand this better, here are some advantages of a hospital cash plan.

Manipal Cigna ProHealth Daily Hospital Cash plan can not substitute a health insurance plan but can be clubbed with your existing health insurance plan to provide financial assistance. It has many advantages as follows.

• Non-medical expenses- At the time of hospitalisation, there are many expenses incurred in addition to medical expenses, and a health insurance policy does not cover these expenses. Even if it covers the coverage is limited, so the insured has to bear these expenses. With the help of the ProHealth daily hospital cash plan, these expenses can be easily managed. The plan offers a wide choice of daily cash benefits and can cover loss of income due to hospitalisation.

• Minimum Documentation - Unlike a regular health insurance plan, a daily hospital cash plan does not require any bills. You need to provide proof of hospital stay only.

• Extra Protection - As there is no proof required to avail of hospital cash benefit, you can use it as extra protection for your health insurance cover.

• Protection of Cumulative Bonus - Daily cash benefit can also be used for hospitalisation due to a minor health issue which does not involve high costs, thus keeping the cumulative bonus intact for emergencies.

• Global Benefit - Manipal Cigna ProHealth Cash Plan is a global hospital cash benefit plan and assures financial assistance anywhere in the world. Whatever happens, the cash benefit is there to take care of it financially.

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The daily cash benefit plan offered by Manipal Cigna Health Insurance company has two variants: Basic Plan and Enhanced Plan. Let us have a look at what are the coverages available under the two variants.

Basic Plan Covers

• Sickness Hospital cash Benefit - If the insured is hospitalised for treatment of an illness during the policy period, The plan provides the daily cash benefit (DCB)as per the policy schedule for a continuous and completed period of 24 hrs of hospitalisation.

• Accidental Hospital Cash Benefit - If the insured is hospitalised due to an injury that occurred during the policy period, the plan provides 2 times the DCB amount.

• ICU Cash Benefit - If the insured is admitted to ICU due to an illness or injury during the policy period, 3 times the DCB amount is paid as per the policy schedule.

• Worldwide Cover - If the insured is hospitalised outside India during the policy period for necessary treatment of illness or injury, 3 times the DCB amount is paid for a continuous and completed period of 24 hrs of hospitalisation.

Enhanced Plan Covers (In addition to the basic plan covers)

• Convalescence Benefit - If the insured is hospitalised for 10 or more continuous days, 5 times the DCB amount is paid as a lump sum for each continuous and completed 24 hrs of hospitalisation. This benefit can be used only once for an insured person in a policy year.

• Companion Benefit - An additional 50% of the DCB is paid in respect to the accompanying person attending the insured who is hospitalised.

• Compassionate Benefit - If the insured person dies during hospitalisation due to an accident, the nominee is paid a lump sum amount of 10 times the DCB amount for each continuous and completed 24 hrs of hospitalisation.

Optional Covers

• Day Care Treatment Benefit - A lump sum amount of 5 times the DCB amount or ₹ 25000, whichever is lower, is paid to the insured for any listed daycare treatment, including cataract surgery, limited to 1 surgery per policy period per insured person. Accidental Death and Permanent Total Disability Cover - The accident sum insured as per the policy schedule is paid to the insured in case of permanent total disablement or to the nominee in case of death.

Listed below are the eligibility criteria and key features of the policy:

The company does not pay any benefit under the policy for the following waiting periods and exclusions.

Waiting Period

• Pre-existing diseases are not covered until the initial 48 months
• All hospitalisation expenses are not covered until the initial 30 days
• Listed medical or surgical treatments are not covered until the initial 24 months
• Any declared existing health condition is not covered until 48 months

Permanent Exclusions

• Treatment using stem cells
• Dental Treatments unless required due to an accident for a minimum hospitalisation of 24 hrs.
• Birth Control procedures
• Hair fall treatments
• Pregnancy-related treatments
• Life support use
• Substance abuse and rehabilitation treatment
• Cosmetic procedures
• Laboratory examination or diagnostic studies
• Organ transplant surgery
• Any non-allopathic treatments
• Breach of law
• Adventure sports

All claims under the policy are settled on a per-day benefit basis. The insured should notify the company within 48 hrs of hospitalisation to request a hospital claim and provide the following details at the time of notification: Policy number, Proposer name, Name of the insured for whom the claim is being filed, nature of illness or injury, name and address of the hospital and medical practitioner, date of admission and any other information asked by the company.

In case of accidental death or disability, the company should be notified within 10 days of the occurrence.

Non-medical expenses can not be avoided in case of hospitalisation and these expenses are not covered under any health insurance policy. In case of a medical emergency, having Manipal Cigna ProHealth Cash Plan can help you cover the additional expenses without putting a strain on your savings. Remember that a daily cash benefit plan can not replace a comprehensive health cover, it is just to enhance the coverage of your health insurance plan. So analyse your requirements and opt for a basic or enhanced plan. To understand the features of the plan read the policy document carefully.