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A Truly Complete Health Insurance Solution, that offers you an Essential Shield, Infinite Power and Instant Peace.
Best suited for
Individual
Family
Multi Individual
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
Every Detail Matters To Your Health
Employer-Employee Group
Non Employer-Employee Groups/ Association/ Institution/Society
Every Detail Matters For Global Protection
Non Employer- Employee Groups/Association/ Institution/Society
Check Detail to Secure Each Member's Lifestyle
Non Employer-Employee Groups/Association/ Institution/Society
Check Details To Secure Overseas Travel
Our All in One Plan to keep you healthy always
How To Choose Financial Empowerment Through Health Insurance?
Health Insurance: An Investment or Expenditure
Health insurance is an expense that makes for a great investment. From a financial standpoint, buying health insurance reduces your tax liability, and the premium you pay qualifies for a tax deduction. But medical expenses have a surprise element — they come unannounced and can be catastrophic that can significantly impact your net worth. So, having insurance pay for unforeseen or high-impact expenses is an investment you need to put on high priority.
Ms Bhaskaran believes it is important to have a strategic approach when buying health insurance. Here are some points she recommends to keep in mind:
Ensure a personal health insurance plan. While you may have a health policy from your employer, the coverage may not necessarily be sufficient. People believe that they do not need to spend on an additional or a personal health plan. But, if you change your job or retire, this thought process could leave you exposed. Hence, look into buying your own personal health insurance plan.
Figure out your coverage. Since there is no one-size-fits-all, it is important to look into your unique requirements when deciding the coverage. How much you need will depend on your living location, preferred medical network, and family size. These factors are vital, especially when considering a floater policy. If one family member makes a claim in a given year, the amount reduces by that much on the entire unit/family.
Look into a comprehensive policy. Search for the right policy that has fewer sub-limits, co-payments, deductibles, caps on expenses and so on. Also, look at the claims' status of insurance companies when purchasing a policy. Take the time to conduct due diligence by visiting the insurer's, access their public disclosure and viewing their claims data to get an in-depth understanding.
Get maximum coverage with minimum premium. Purchase a health policy with a long-term view in mind. For example, a floater policy can be economical for a younger family unit or a family where the age gap is not wide. Besides, having a top-up plan can ensure enhanced coverage at a lower premium. Also, consider a comprehensive critical illness policy that pays a predefined sum to support income loss.
Women and Health Insurance
Women are primarily underinsured because of their representation in the workforce. Also, women tend to view health insurance as a financial matter and therefore entrust this task to their spouse or parent. But since medical emergencies come unannounced and do not pick a gender, it's time for women to take health insurance into their hands. Women need healthcare because of longer life expectancies, and hence health insurance becomes an absolute must.
Prioritize Health and Wellbeing in 2021 and Beyond
Make meaningful, lasting improvements to your health and wellbeing by investing in the most important expenditure today — health insurance.
To listen to the podcast with our guest, Deepti Bhaskaran, click here.
