ManipalCigna ProHealth Cash Health Insurance

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. 

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

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

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.

Relationships that can be covered under the plan include self, spouse, children, parents, siblings, parents-in-law, grandparents and grandchildren.

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.

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

Yes, the plan is available under two variants named as Basic Plan and Enhanced Plan.