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A Truly Complete Health Insurance Solution, that offers you an Essential Shield, Infinite Power and Instant Peace.
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A comprehensive and flexible Health Insurance Plan that offers Better Coverage, Better Control and Better Care
A health insurance that lasts for a lifetime
Parents and elders took care of children in their most sensitive ages and phases of life. It is time to gift them the better Healthcare experience. Presenting ManipalCigna Prime Senior, a comprehensive Health Insurance plan which offers innovative features specially designed for Senior Citizens.
A comprehensive hospitalization plan for you and your family
Design your own health plan and pay for what you choose. Customise your plan according to your needs with ProHealth Select and reassure your future
The added boost that keeps you covered above and beyond your health plan.
Affordable standard health insurance plan
Standard Health Insurance Policy specially designed to cover Persons with Disabilities (PWD), Persons afflicted with HIV/AIDS, and those with Mental Illness
A plan that assures financial support and provides a safety cushion for a better tomorrow by providing complete protection, on and off the job, including death, disablement, repatriation of mortal remains and funeral expenses.
A plan that assures financial support and provides a safety cushion for a bettertomorrow by providing complete protection, on and off the job, including death, disability, loss of job and financial protection.
Standard Personal Accident Policy to safeguard your unexpected expenses arising from death or serious injury caused by an accident, while securing your finances
A vital protection for your financial health against life-changing critical illnesses that offers you the entire payment of sum insured on first diagnosis of listed illness.
A daily cash plan to financially aid hospitalization expenses
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5 Things To Check While Buying Health Insurance For Family
Are you someone who takes responsibility for the health and well-being of your loved ones? If yes, then securing a health insurance plan is vital to ensure their good health. With a reliable insurance policy, you can cover the cost of medical treatments and hospitalisation. However, with the plethora of health insurance options available in the market, selecting the right plan that fits your family's needs and budget can take time and effort. In this article, we bring you a complete guide on the five essential things you need to check before purchasing a health insurance plan for your family.
It is a kind of insurance that covers the medical expenses of individuals who are insured. It provides financial protection against unexpected medical expenses due to illness, injury, or accidents. It is essential to have a health insurance plan to avoid financial strain during a medical emergency.
The first thing to check while buying health insurance for your family is the policy's coverage and benefits. You can look for a plan that covers a wide range of medical expenses such as hospitalisation, surgery, diagnostic tests, ambulance charges, and pre-and post-hospitalisation costs. The policy should also provide coverage for critical illnesses like cancer, heart diseases, and kidney diseases. Additionally, you should check the benefits offered by the policy, such as maternity benefits, coverage for pre-existing illnesses, and optional riders that can enhance the coverage of the policy. If you have senior citizens in your family, it is essential to consider health insurance policies that cater to their specific healthcare needs. Such policies may provide coverage for age-related illnesses and chronic conditions that commonly plague the elderly.
The waiting period is when you cannot claim on your health insurance policy, typically for pre-existing conditions and maternity benefits . The duration of coverage can vary from a few months to several years, depending upon the insurance provider and policy. Before purchasing a policy, be sure to verify the applicable waiting period.
The next feature to consider is the cost of premiums and deductibles . Premiums are the amount you pay to the insurance company for the policy, while deductibles are the amount you should pay before the insurance company starts covering your medical expenses. You should compare the premiums of different policies and choose the one which offers maximum benefits at an affordable price. Additionally, you should also check the deductibles of the policy and select the one that suits your budget.
Another aspect to examine is the provider network. This includes the hospitals, clinics, and healthcare providers that the insurance company has contracted with. Choosing a policy with a wide network of healthcare providers in your area is important. You should check if your preferred providers are in the insurance company's network. Choosing a health insurance policy with a vast network of healthcare providers can save you from out-of-pocket expenses in case of hospitalisation or medical treatment.
The thing to check while buying health insurance for your family is the claims and customer service. It would help if you chose a policy that has a hassle-free claims process and good customer service. You must check the settlement claim ratio of the insurance company, which indicates the percentage of claims settled by the company. Additionally, you should check the turnaround time for claim settlement, which is the time the insurance company takes to settle the claim.
In conclusion, buying health insurance for your family is a significant decision that requires thoughtful consideration. Hence, it is vital to take the time and carefully go through the conditions listed in the health insurance plan.
Leading health insurance providers such as ManipalCigna Health Insurance offer an extensive range of comprehensive healthcare plans which aim to provide hassle-free and lifelong access to quality healthcare, thus safeguarding your financial needs.
A: To identify the best health insurance plan for your family, you can compare policies using factors such as coverage, waiting period, benefits, premiums, deductibles, provider network, claims and customer service.
A: Online comparison tools that offer a side-by-side comparison of various policies are the most effective means of comparing health insurance plans.
A: It is possible to check whether your preferred healthcare providers are part of a specific health insurance plan's network by thoroughly going through the list of the provider network of the insurance company before purchasing the policy.
A: Yes. Having an understanding of the claims process is crucial to ensure that you can submit a claim and obtain reimbursement for medical expenses.
A: When selecting a health insurance plan for your family, it is necessary to pay attention to features such as coverage and benefits, premiums and deductibles, provider network, and claims and customer service.
A: Before purchasing health insurance, you should verify coverage and benefits, premiums and deductibles, provider network, claims and customer service, and any supplementary riders or benefits that the policy might offer.
A: The best health insurance company for a family may depend upon factors such as coverage needs, budget, and location. Comparing policies from different insurance companies is recommended to find the one that suits your family's needs perfectly.
A: Before purchasing a health insurance plan, you should inquire about the extent of coverage and benefits, the amount of premiums and deductibles, the provider network, the claims process, and any supplementary riders or benefits that are available under the policy.
