ManipalCigna Plans

ManipalCigna ProHealth Hospital Cash

Buy Manipal Cigna Health Insurance

Plan type
Coverage type
Coverage State
Coverage City
Coverage amount
Date of Birth
  OR age     years
Policy duration
Start Date
End Date

Key highlights of ProHealth Hospital Cash Insurance

  • ProHealth Hospital Cash provides a wide choice of daily cash benefits
  • It Pays cash directly to you when you need it most
  • Can be used to compensate expenses not covered by health insurance
  • Can offset lost wages due to a hospitalization

ManipalCigna Health Insurance Review

ManipalCigna Health Insurance
ManipalCigna Health Insurance sum insured
2.5 lacs − 100 lacs options available
Incurred Claims Ratio *
ManipalCigna Health Insurance tenure options
1 or 2 years options available
Claims Settlement Ratio **
List of network hospitals
6,500+ hospitals
Number of policies issued *
Maximum family floater coverage
Self, Spouse + 3 dependent children
Number of lives covered *
* As per IRDAI report for 2018-19   |   ** As per NL25 data published on the Insurance Company website

ManipalCigna ProHealth Hospital Cash Insurance Benefits

  • Key Features
  • Benefits
  • Waiting Period
  • Exclusion

Key features of ProHealth Hospital Cash Insurance

  • Daily Cash Benefit available from ₹500 to ₹5000
  • Accidental Death & Permanent total disability cover from ₹50,000 to ₹25 lacs
  • Option to choose maximum numbers of days of coverage from 60, 90 & 180 per policy year
  • Protection for self & family members under individual cover
  • Choice of Policy term of 1,2 & 3 years
  • You can start enrolment as early as 91 days for children and 18 years for adults
  • Maximum entry age limit of 17 years for children and 65 years for adults
  • Critical illness Add on for complete protection from ₹50,000 to ₹25 lacs
  • Lifetime renewals
  • Free lock in period of 15 days
  • Income tax benefit under Sec80 D
  • No medical test upto 55 years with a clear medical history and opting for daily cash benefit from ₹500 to ₹3000

ManipalCigna ProHealth Hospital Cash Benefits

Plan 1 - Basic
Sickness Hospital cash a Daily Cash Benefit (DCB) for hospitalization due to sickness will be payable
Accident Hospital Cash 2 times the DCB for hospitalization due to accident will be payable
ICU Cash 3 times the DCB for ICU hospitalization will be payable. Coverage limited to 15 days per insured person per policy year
Worldwide Cover 3 times the DCB for hospitalization outside India will be payable
Plan 2 - Enhanced (In addition to the benefits under Basic plan, the following will also be available)
Convalescence 5 Times the DCB will be payable for hospitalization of 10 or more continuous days. Benefit is available only once per insured person, per policy year
Companion Benefit 50% of the DCB will be payable in respect of the accompanying person taking care of the insured
Compassionate Benefit 10 times the DCB if insured person dies during the course of accidental hospitalization will be payable
Optional Covers( Available under both the plans)
Day care Treatment Lower of 5 times the DCB or Rs. 25,000 will be payable for listed procedures with a maximum limit of 5 Day care treatments including 1 Surgery for Cataract per insured per policy year
Accidental death & permanent total disability Opted sum insured will be payable on accidental death or permanent total disablement as specified

Waiting Period of ManipalCigna ProHealth Hospital Cash Insurance

  • First 30 days waiting period is applicable for all hospitalization except accidents
  • 24 months waiting period is applicable on specific ailments like Cataract, Stones, Arthritis etc
  • Pre-existing diseases will be covered after 48 months
  • First 90 days waiting period & 30 days survival period is applicable to critical illness add on cover Coverage for accidents starts from day1

Exclusions of ManipalCigna ProHealth Hospital Cash Insurance

We will not cover any costs towards
  • HIV/AIDS and its complications
  • Suicide or drug abuse
  • Treatment for pregnancy & related complications

Manipal Cigna health insurance FAQ's

ManipalCigna has an extensive network of 6500+ network hospitals across India. One must get admitted to a network hospital in order to avail cashless treatment for their illness. One can get the ManipalCigna network hospital list which is available on the website

There is no upper limit on the number of claims during the policy period. However, the total cumulative claim amount cannot exceed the Policy Sum Insured, unless the chosen plan has a Sum Insured Refill benefit, which provides additional coverage even after filing a claim.

In case of an Individual policy, each Insured person under the policy will have a separate sum insured for them. Individual plan can be bought for self, lawfully wedded spouse, children, parents, siblings, parent in laws, grandparents and grandchildren, son in-law and daughter in-law, uncle, aunty, nephew & niece.

In case of a floater cover, one family will share a single sum insured as opted. A floater plan can cover self, lawfully wedded spouse, children upto the age of 23 years or parents. A floater cover can cover a maximum of 2 adults and 3 children under a single policy.

You can buy the policy for one, two or three continuous years at the option of the Insured. One Policy Year shall mean a period of one year from the inception date of the policy.


Review ManipalCigna ProHealth Hospital Cash Insurance brochure to understand coverage details.

Know more »

Proposal form

Fill the online ManipalCigna ProHealth Hospital Cash Insurance proposal form.

Know more »

Policy wordings

Review ManipalCigna ProHealth Hospital Cash Insurance policy wordings which explains the terms and conditions.

Know more »

Get quotes for ManipalCigna insurance!

Review and compare the best health insurance.
Compare health insurance quotes
Find the best ManipalCigna insurance

India health insurance blogs and articles

health insurance India
Tips for buying best mediclaim insurance

India health insurance tips and tricks to choose the best medical insurance in India Click here to read more

Top reasons for health insurance claims rejection

Find out the different reasons why a medical insurance claim is rejected, Cashless hospitalization, Reimbursement. Click here to read more

India health insurance coverage, factors and premium calculator

Factors for medical insurance in India, How much is the premium and the coverage offered by India health insurance plans..Click here to read more

ManipalCigna health insurance useful links

How to buy online?

You can buy insurance online by using a credit/debit card, direct funds transfer using NEFT or RTGS or by using a cheque

Know more »

Network hospitals

ManipalCigna Network hospitals list. Cashless & Hassle-free direct claim settlement with us at 6,500+ Hospitals

Know more »

Compare health plans

Compare Indian health insurance policies, Health insurance India comparison

Know more »

Health insurance benefits

Insurance customers can quickly compare the details of benefits offered under Indian mediclaim insurance policies.

Know more »


Portability Information for Mediclaim Insurance in India.

Know more »

Health insurance FAQ

FAQ related to Indian health insurance. Get answers for any health insurance questions

Know more »

Search ManipalCigna Health Insurance

Keep in touch

  • Address

    InstantCover Insurance Web Aggregator Private limited
    710, 6th B Cross, 16th Main Road, Koramangala 3rd Block, Bangalore - 560 034.

  • +91-(80)-41744345
  • Send an email
CIN: U66000KA2018PTC117713 | IRDAI Web aggregator License Code Number: IRDAI / INT / WBA /53/ 2018, Valid till 07/08/2022