ManipalCigna ProHealth Cash Review 2026

Name: ProHealth Cash by Manipal Cigna Health Insurance Company Limited
Brand: Manipal Cigna Health Insurance Company Limited

ManipalCigna ProHealth Cash

A hospital daily cash plan, not an indemnity policy. It pays a fixed amount for each day you are admitted, regardless of the bill – so it covers the costs a health policy does not, like lost income or a relative's travel.

Read from Manipal Cigna Health Insurance Company Limited's own policy wording and prospectus. Last checked against those documents on 26 July 2026. The wording you are issued is the contract.

01The detail

ProHealth Cash in one table

Claim settlement ratio

93.7%FY 2024–25

95% recommended

Complaints per 10,000

35.5policies

Under 10 recommended

Insurer	Manipal Cigna Health Insurance Company Limited
Sum insured	Personal accident and permanent total disability cover from ₹50,000 to ₹25 lakh, alongside the daily cash benefit you choose.
Entry age	91 days to 65 years.

Claim settlement and complaint figures are IRDAI-published and held centrally by NYVO, not taken from the insurer's marketing.

02Cover

What ProHealth Cash covers

These are the terms that decide what you are actually paid when you claim. Room rent, co-pay and restoration do more to shape a settlement than the sum insured does, and they are read from ManipalCigna's own policy wording.

Feature	This plan	What good looks like
What kind of plan this is	Hospital daily cash – a fixed amount per day admitted, not a reimbursement of your bill.	Read this first – it decides everything else
Sum insured	A fixed daily amount, chosen at purchase.	₹50 lakh or more for a metro family
Entry age	91 days to 65 years.	Buy before a condition appears

What this plan does

03Waiting periods

ProHealth Cash waiting periods: when each part of the cover starts

Waiting periods run from the day cover began, not from the day you fall ill, and they run in parallel rather than one after another.

Initial waiting period	30 days from the start of the first policy, except for an accident

04Exclusions

ProHealth Cash exclusions: what the plan will not pay for

Every policy carries exclusions, and they are the clauses people read for the first time at claim stage. These are the ones worth knowing before you buy.

Not coveredIndicative, not exhaustive. Your policy wording is the contract.

01Anything in the first 30 days of the first policy, other than an accident.

05The honest bit

Where ProHealth Cash falls short

No plan is right for everyone, and a page that only lists strengths is not much use to you. These are the gaps we would raise on a call before recommending it.

Worth knowing before you buyNone of these are dealbreakers on their own. They are the trade-offs this plan asks you to accept.

01This is a daily cash plan, not health insurance. It pays a fixed amount per day in hospital and does NOT reimburse your bill. Buying it instead of an indemnity policy would leave you exposed to the cost of treatment itself.

02Waiting periods restart on any increase in sum insured, to the extent of the increase.

03Manipal Cigna Health draws 35.5 complaints per 10,000 weigh that against the wording, because a policy is only as good as the claim behind it.

06FAQs

ProHealth Cash questions, answered

Is this a substitute for a health insurance policy?

No. It pays a fixed daily amount while you are in hospital and does not reimburse the bill. It is bought alongside a health policy to cover what that policy does not – lost income, a relative's travel, incidentals.

What are the waiting periods?

Thirty days from the start of the first policy for anything other than an accident. The policy wording is the contract.

07Source documents