Why should I buy a Health Insurance from ManipalCigna?

No illness or accident comes with a fair warning. Health insurance companies come to financially aid the insured during illness or injury in all hospitalization and Outpatient Department (OPD) cases. A health insurance cover is intended to pay for the treatment of the illness or accident and help recover surgical and medical expenses incurred by the policyholder or others insured as part of the health insurance plan. The policyholder can claim this benefit either through a cashless facility or through the process of reimbursement.

ManipalCigna Health Insurance has an array of individual health insurance plans that are designed to cover individual policyholders and family floater health insurance plans with the benefits of individual plans that extend the coverage to the entire family rather than just a single individual against illnesses with cashless hospitalization and numerous other add-on riders (added coverage features) and benefits that can be customized according to the individual/family’s needs and the insurers’ offerings.

For example, the sum insured is generally high in a family floater plan, ensuring all family members are covered under a single policy, and any family member can make a claim.

The Lifetime Health Insurance Plan from ManipalCigna Health Insurance is one of a kind to last a lifetime. It is best suited for individuals, families, and multi-individuals with broad coverage of up to 27 major illnesses and their healthcare requirements, including cancer treatment globally. The sum insured can go up to INR 3 crore to give financial access to cover advanced treatments and procedures. The uniqueness of this health insurance plan is that it allows a policyholder to customize the coverage needs for self or the family with optional packages and a critical illness rider that gives extensive coverage like screenings, vaccinations, and other healthcare benefits.  

The ManipalCigna SahiCover Health Insurance Coverage Calculator is a unique industry-first tailored tool introduced to help you discover the right health insurance coverage that is right for you. Its precise analysis helps you understand specific healthcare needs and requirements so you can find the right health insurance plan for yourself and your family.

Among the health insurance products, two health insurance plans from ManipalCigna Health Insurance stand out for their unique features,

1. 1. Lifetime Health is the only health insurance in India with broad coverage of up to 27 major illnesses and their healthcare requirements, including cancer treatment in India as well as abroad.
   2. ProHealth Prime Insurance is the only health insurance in the industry with a "switch off" feature where policyholders can literally switch off their insurance coverage in India for the period they are traveling abroad and save money at the time of renewal.

You can read more about which plan suits you the most here.              

The Claims Settlement Process is very simple, hassle-free, and seamless here at ManipalCigna Health Insurance for both planned and unplanned hospitalization cases. You can read more about it here.  In the case of planned hospitalization cases, you typically report to your Third Party Administrator (TPA) desk at least 48 hours before hospitalization to initiate the claims process. In case of emergency or unplanned hospitalization, you still report to your TPA desk within 24 hours of admission.

The process is pretty simple and seamless from there on. In both planned and unplanned hospitalization cases,

• Your TPA will submit all required documents to support the claim, which includes your preauthorization form and medical records, to the insurer. 
• Once the team assesses the claim request at ManipalCigna Health Insurance and initial approval is obtained, the patient or policyholder can proceed with the hospital procedures.
• Also, during the hospitalization, if there is a need to increase the claim amount, the TPA can liaise with ManipalCigna for approval.
• At the time of discharge, the concerned TPA will assess and submit all final bills and discharge summaries to the insurance company.
• Per policy, there will be many non-payable expenses not covered by insurance. So when the final approval comes, those non-payable expenses need to be borne by the patient.

Usually, the discharge process in hospitalization cases includes both hospital and insurance processes and can take time. The hospital can always expedite the process for you.

In case your cashless claims request for OPD cases or planned, or unplanned hospitalization cases get rejected, worry not. You can always apply for reimbursement of the same. Here, you pay for all the hospitalization costs and get the amount reimbursed from ManipalCigna Health Insurance.

The Reimbursement Claims Process is very simple, hassle-free, and seamless here at ManipalCigna Health Insurance for both planned and unplanned hospitalization cases.
 

• Fill out the Reimbursement Claims Form and submit it along with all required supporting documents listed in the form to the nearest ManipalCigna branch for the claims process.
• Post claims process, the reimbursement amount will be transferred directly to the registered bank account of the policyholder.

The importance of the hospital network in the claim settlement process at ManipalCigna Health Insurance is that depending on your area pin code, you could get the best of the hospital network and get the best treatment in the shortest possible time with a better claims experience. For example,
 

• Your Third-Party Administrator (TPA) will help you with the claim process with your preauthorization form and medical records to the insurer. 
• Upon assessment of the claim request by ManipalCigna Health Insurance, your TPA can obtain initial approval for you to proceed with the hospital procedures.
• During the hospitalization, if there is a need to increase the claim amount, the TPA can liaise with ManipalCigna for faster approval.
• Also, at the time of discharge, the approval process of such cases, which includes both hospital and insurance processes, can significantly take time. The hospital can always expedite the process for you if it is part of the hospital network.

You can purchase insurance online without any hassles - ManipalCigna ProHealth Prime Health Insurance - Get Quick Quote Online

Should you run into any difficulty, our Customer Support team will help you at every step.

As health insurance customers, we mostly pay attention to healthcare requirements from a hospitalization point of view in the face of an accident, injury, or disease. What we do not realize and consider about our healthcare costs is that every year, we spend a significant amount of money on health and diagnostic tests, which are Outpatient Department (OPD) Procedures. A win-win health insurance plan is one that takes into account our non-medical and OPD expenses. In addition, there are a lot of offerings around simplified fitness and wellness, free home delivery of medicines, cashless lab tests, etc.