Frequently Asked Questions

Step 1: The product brochure, policy benefits, exclusions and premium details must be thoroughly understood and discussed with Our advisor/ Company representative, before buying the policy.

Step 2: Once the benefits of the policy are understood, the Proposal Form must be filled, wherein details of the prospective Insured Persons including medical information must be provided as accurately as possible.

Step 3: The proposal form with the required documents have to be submitted.

Step 4: If You are required to undergo medicals tests as per the chosen Sum Insured and Age band, we would arrange the medical check-up's at Our network of diagnostic centres.

Step 5: Based on the above information we will process Your proposal for Insurance and a policy kit containing the Policy Schedule, Policy Terms & Conditions and associated documents will be sent to you

upon assessment if the premium is loaded then We will inform You about any revised terms through a counter offer letter. We will issue the Policy only once you accept the counter offer. Where You do not agree to the counter offer we will cancel your proposal.

Based upon the health status of the persons proposed for insurance and declarations made in the Proposal Form, a loading per medical condition/diagnosis may be applied.

These loadings will be applied from the Inception Date of the first Policy including subsequent Renewal(s) with Us. There will be no loadings based on individual claims experience.

We will inform You about the applicable risk loading through a counter offer letter and We will only issue the Policy, once We receive your consent for change in terms and applicable premium.

Yes, however a 36 months waiting period will be applicable for any Pre-existing diseases/Illness/Injury/conditions.

Once you apply, you may have to undergo specific tests as required by our underwriting team to evaluate the risk. Post evaluation and taking into account all information provided the final decision will be communicated to you regarding the proposal.

The below waiting periods will apply on the policy.

First 30 days waiting period - From the policy inception date a period of 30 days will apply before you can claim in respect of any hospitalization except for accidents.

Pre-existing Disease Waiting Period - All Pre-existing Diseases / Illness / Injury / conditions, will not be covered until 36 months of continuous covers have elapsed since inception of the first Policy with Us.

Two Year Waiting Periods - A waiting period of 24 months will apply for listed illnesses and treatments.

ProHealth Cash is available under two plans with Optional covers and a maximum number of days of coverage per year.

Plan I. Basic Plan

• Sickness Hospital Cash Benefit
• Accident Hospital Cash Benefit
• ICU Cash Benefit
• Worldwide Cover

Plan II. Enhanced Plan

• Sickness Hospital Cash Benefit
• Accident Hospital Cash Benefit
• ICU Cash Benefit
• Worldwide Cover
• Convalescence Benefit
• Companion Benefit
• Compassionate Benefit

Optional Covers

• Day Care Treatment Benefit
• Accidental Death (AD) and Permanent Total Disability (PTD) Cover

Maximum Coverage Limit (Number of days of coverage per policy year 
       •  60 days               •  90 days                    • 180 days

The Policy is limited to a maximum number of 450 days including all Daily Cash Benefits in the lifetime of an Insured Person.

Note:  A deductible of one day (24 continuous hours of Hospitalization) will apply and claim will become payable from day two of Hospitalization.

You can avail the following discounts on your policy.

a. Family Discount of 10% for covering 3 or more family members under the same policy.

b. Long Term Discount of 7.5% and 10% on selecting a 2 and 3 years single premium policy respectively.

c. Online Renewal Discount of 3% p.a. if the customer chooses for NACH or standing instruction (where payment is made either by direct debit of bank account or credit card) option, applicable from next renewal of the policy.

We will not pay any claims arising out of or attributable to any of the following:

• Any illness resulting from the Insured committing any breach of law

• Suicide or drug abuse

• Contamination from Nuclear fuel or radiation

• Foreign invasion or civil war

Above list is only indicative and not exhaustive. Please refer policy terms and conditions for complete details.

ManipalCigna ProHealth Cash is a global fixed daily cash benefit plan. Assuring you and your family that wherever you are in the world and whatever happens, you can rely on receiving prompt financial assistance leaving you to concentrate on getting better.

ProHealth Cash offers:

• A wide choice in the Daily Benefit payable

• Pays cash directly to you to use as you deem necessary

• Can be used to offset expenses not covered by health insurance

• Can offset lost wages due to a hospitalization

Health insurance covers the majority of medical expenses but it may just fall short to cover all like deductible, co-pays and non-admissible items, transportation expenses, incidental charges leaving you responsible to bear the financial burden. Hospital cash plan pays cash benefit, to use anyway you deem necessary, for each day you or a dependent is hospitalized.

Some health insurance plans come bundled with hospital daily cash (as rider or add-on), but a standalone hospital cash plan is more comprehensive both in terms of benefits and the amount of cover it offers. Hospital Daily Cash plan may come with a deductible.

Hospital daily cash insurance is a pre-defined benefit plan where a fixed amount per day of hospitalization is paid in lump-sum to the policyholder/insured person. The plan has no link with the actual medical expenses incurred.

In the event of a Hospitalization Claim under the Policy, the Proposer/Insured Person must notify Us with the required details either at the call centre or in writing, within 48 hours of admission in a Hospital but not later than discharge from the Hospital.

In case of an Accidental Death or Permanent Total Disablement claim, We must be notified either at Our call centre or in writing within 10 days from the date of occurrence of the Accident.

The required documents are to be submitted to us within 15 days from the date of discharge from the Hospital.

We will accept copies of the documents, verified and attested by the Hospital in case the same are submitted towards another indemnity claim.

*For more details on terms and condition please read the sales brochure carefully before concluding the sale.

For Hospital Daily Cash, the payout will be on per day benefit basis. For Convalescence and Compassionate benefit, payout will be in lump sum as specified. For Accidental Death and Permanent Total Disability lump sum amount equal to the sum insured will be paid.

No, cashless or reimbursement facility is not available under ProHealth Cash.

Multiple claims for medically necessary treatment of same illness or injury will be covered up to maximum 60/90/180 days per policy year as per plan. The Policy is limited to a maximum number of 450 days, including all Daily Cash Benefits in the lifetime of an Insured Person

We will co-ordinate the appointment with our empanelled doctor/diagnostic centre through our appointed TPA. Costs of medical tests will be borne by us.

No, if the insured renews the policy continuously without a break and there is no change in the policy.

No medical tests are required up to 45 years with a clear medical history and opting for DCB from ₹500 to ₹3000. For DCB between ₹3500 to ₹5000 the non-medical age limit is up to 35 years.

ManipalCigna Health Insurance's customized health and wellness program is available to all customers. It consists of online customized programs like Health Risk Assessment, Lifestyle Management Programs, Nutrition Programs, access to health articles through the ManipalCigna Website.

No, ProHealth Cash insurance does not cover maternity.

Yes, you can take cover for yourself, spouse and children on individual basis in one policy.