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A truly complete health insurance solution — offering you an essential shield, infinite power, and instant peace is now the Product of the Year 2025 (Winner Health Insurance Category. Survey of 1800 people by NielsenIQ across categories.)
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.
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
Things to Do When the Health Insurance Lapses
Whenever you face any health issue, the safety valve against the medical expenses is nothing but your health insurance policy! It usually comes with a fixed tenure. You need to pay the premium to revive it. If you miss the due date for premium payment, the insurance benefits are detained.
In such cases, buying a new plan can be harrowing, and one will also lose any no-claim bonus. Thus, you must stay vigilant and renew the health insurance plan on time. Here, you have a provision of opting for plans that offer extended duration by paying the premium once in 2 or 3 years.
Nevertheless, follow these guidelines when you go- “What if my health insurance lapses?”
• Grace Period for health insurance: A grace period is an extra time granted to make the payment. This is the last chance where you can pay the due premiums. The grace period usually varies between 15-30 days from the date you missed your payment. You can retain your policy without the need for a new plan if renewal payment is made within the grace period. Payment within the grace period for health insurance ensures the continued benefits of a no-claim bonus.
The critical point is that the grace period only buys you the time to revive a lapsed policy. It does not provide any coverage against risks if anything goes downhill in those 15 days. Thus, pay the renewal premium immediately and revive your existing health insurance plan.
• Purchase a new health insurance plan: Buying a new plan is another alternative. This happens if you fail to act even during the grace period for health insurance. It is best to avoid lapses at all costs as the alternate scenario has shortcomings. There will be no medical coverage, inaccessibility to no-claim bonus, and extended waiting period.
You also have a chance to re-purchase the former lapsed plan from the concerned insurance company. If it has been more than six months since the plan is expired, you need to pay the premium right from scratch. Then you will have to undergo a pre-medical check-up. You can also find better alternatives for the former plan, tailored to personal needs.
• Precautionary measures for the future: Grace period for health insurance is the golden time offered to rectify your negligence. Set digital reminders and spare yourself from the thought of - what if my health insurance lapses? Opt for electronic and scheduled payments that will automatically deduct the premium from your account. This also eliminates the need for any extra effort from time to time. Several insurance companies have linked up with banks to make the process of payment easier.
Many insurance providers, nowadays, send reminders through emails and messages to ping you about the approaching due date. The critical point here is that make health your priority today. Then everything tied to it will never go out of your mind.
On missing the due date, the faster you act, the better it is for you. Once the grace period is over, there is no going back to your existing health insurance plan . Buying a new plan can be a harrowing experience, but the only option after your plan lapses. Thus, pay on time, act on time and avoid wastage of time in the long run.
