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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
Selecting the Best Health Insurance Plan for Your Family
We live in a world where a medical emergency can strike at any time and leave you with hefty hospital bills. This is why having the best health insurance plan for your family has become necessary to protect their health and finances. However, selecting the perfect health insurance plan can be overwhelming due to the plethora of available options. Hence we have created this article to guide you through the significant factors to consider when selecting a health insurance plan for your family.
The first step in choosing a health insurance plan is to assess your family's healthcare needs. Consider the age, medical history, and lifestyle of your family members. Next, identify potential health risks and expenses, such as pre-existing conditions or the need for regular medications. Lastly, determine the expected healthcare expenses for your family, including doctor visits, hospitalizations, and diagnostic tests.
Once you have assessed your family's healthcare needs, it's time to research and compare health insurance plans from different insurers. Look for cashless mediclaim health insurance plans that provide coverage for your entire family. Check the coverage benefits, exclusions, and limitations of each plan. Finally, consider the premium costs and any deductibles , co-payments , or co-insurance.
When selecting a health insurance plan for your family, it's essential to check if the plan has a wide network of hospitals and doctors in your area. Verify if your preferred healthcare providers are included in the network. Next, consider the quality of healthcare services provided by the network hospitals and doctors. Finally, choose a cashless mediclaim policy for your family that allows you to avail of medical treatment without paying cash upfront.
Before finalising a health insurance plan, it's crucial to read the policy documents carefully to understand the terms and conditions of the plan. First, verify the coverage benefits, exclusions, and limitations. Next, understand the claim process and the conditions for claim settlement. Finally, ensure that the health insurance plan provides coverage for all your family's healthcare needs.
Apart from basic coverage, look for additional benefits and features such as wellness programs , free health checkups , and telemedicine services. Consider the value-added benefits and how they can benefit your family. Then, opt for a health insurance plan that provides comprehensive coverage and additional benefits. Furthermore, you can take advantage of tax benefits of up to Rs. 50,000 on the premium amount under Section 80D of the Income Tax Act 1961, which talks about health insurance premiums paid for parents above the age of 60 years.
It's essential to assess your family's healthcare needs, evaluate health insurance plans, check the network of hospitals and doctors, read the policy documents carefully, and look for additional benefits and features. Regular reassessment of healthcare needs and health insurance coverage is crucial to ensure that your family is adequately protected. Opt for a cashless mediclaim policy which provides comprehensive coverage and value-added benefits for your family. With the right health insurance plan, you can provide the best healthcare for your family without worrying about the financial burden.
After understanding the factors to consider when selecting health insurance for your family, it's time to take action and purchase a policy that suits your needs. With a range of health insurance coverage options available from ManipalCigna, you can enjoy the benefits of a comprehensive plan all in one place.
A. Family health insurance is a type of health insurance policy that provides coverage for the healthcare expenses of all family members. Under this plan, all family members can be covered under a single policy with a single premium payment.
A. Yes, most family health insurance plans allow you to include your parents or in-laws as long as they meet the eligibility criteria specified by the insurer.
A. The premium cost for family health insurance plans varies depending on various factors such as the age of the family members, the sum insured, the type of plan, and any pre-existing conditions. Generally, the premium cost for a family floater health insurance plan is lower than the total premium cost of individual health insurance policies for each family member.
A. Yes, you can change your family health insurance plan later if you find a better plan or if your healthcare needs change. However, it is important to understand the terms and conditions of your existing and new policies before making any changes.
A. To file a claim for family health insurance, you need to inform your insurer about the hospitalisation or medical treatment of any family members covered under the policy. Then, you can submit the required documents and follow the claim process specified by the insurer.
A. To choose the best health insurance for your family, you need to assess your family's healthcare needs, research and compare health insurance plans from different insurers, check the network of hospitals and doctors, read the policy documents carefully, and look for additional benefits and features.
A. The amount of health insurance required for a family depends on various factors such as the age of the family members, the number of family members, any pre-existing medical conditions, and the healthcare expenses in your city. It is recommended to choose a health insurance plan with a sum insured that is sufficient to cover your family's potential healthcare expenses.
A. To choose health insurance for parents, you need to consider their age, medical history, any pre-existing conditions, and their healthcare needs. Then, you can compare health insurance plans that offer coverage for senior citizens and choose a plan that provides adequate coverage at a reasonable premium cost. Additionally, you can look for value-added benefits such as cashless hospitalisation, critical illness coverage , and daycare procedures.
