Daily Hospital Cash

The daily hospital cash plan is a type of health insurance that provides a specified amount of cash for hospitalisation expenses on a daily basis. The amount you are entitled to receive under the hospital cash insurance is fixed and decided at the time of commencement of the policy, irrespective of the expenses that you come across. The ManipalCigna hospital cash insurance offers you to choose from a wide range of daily cash covers, starting from ₹500 to ₹5000 every day. You can avail benefits of choosing critical illness cover in addition to the existing ones, providing it to the entire family.

ManipalCigna ProHealth is a daily hospital cash benefit plan that ensures you about the prompt financial assistance exactly when you need it the most. This hospital cash insurance helps you with a wide choice of daily cash benefits, which are paid directly to you. This is the major benefit for when compensate expenses are not covered in the base plan that you have chosen. The daily hospital cash benefit from ManipalCigna ProHealth is available from ₹500 to ₹5000, depending on the amount you choose at the inception of the policy. In case of accidental death and permanent total disability, you or the nominee can get ₹50 thousand to ₹25 lacs. The number of days of coverage per policy year can be chosen from 60, 90 or 180 days, and the policy terms are available as 1, 2, and 3 years. You can avail long term discount of 7.5% for the tenure of 2 years and 10% for 3-year policy term under this hospital cash insurance. An add-on of critical illness protection is available from ₹50 thousand to ₹25 lacs. Most importantly, you will not be asked to undergo any medical test until you turn 55 years of your age or on opting daily hospital cash benefit from ₹500 to ₹3000. For this, you need to submit the proofs of clear medical history.

ManipalCigna ProHealth Hospital Cash benefits you in several ways. You can choose from two plan options available such as the basic and enhanced.  The basic plan offers-

• Sickness Hospital Cash Benefit where the daily hospital cash due to sickness is provided.
• Accidental Hospital Cash Benefit offers double the regular DCB (Daily Cash Benefit) which is applicable.
• ICU Cash Benefit offers 3 times the regular DCB, applicable only for 15 days per insured person.
• Worldwide Cover provides 3 times the regular DCB for hospitalisation occurred abroad.
• The enhanced plan offers following in addition to the benefits in the basic plan-
• Convalescence Benefit offers 5 times the regular DCB will be paid in case of hospitalisation for 10 or more days. This benefit can be availed only once per person per policy year.
• Companion Benefit is designed to offer 50% of the DCB to the person accompanying the patient in the hospital.
• Compassionate Benefit is 10% times the regular DCB if the person gets deceased during the case of an accident. You can also choose from optional covers as the Day Care Treatment and Accidental Death as well as Permanent Total Disability.

Though ManipalCigna ProHealth Cash plan helps you with a wide range of benefits associated with daily cash, there are a few things that are not included in this hospital cash plan.

• On the diagnosis of HIV/AIDS of any severity and its complications, this daily hospital cash benefit will not offer any amount towards the expenses occurred due to the same illness.
• The pregnancy-related complications and treatment will not be covered under a hospital cash plan.
• You are not entitled to get daily hospital cash in any case of suicide or drug abuse.