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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.
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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.
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Explore 4 Benefits of Regular Health Checkups
Caption
It's easy to assume we're in good health and overlook the need for regular check-ups. However, true well-being starts with proactive care, not just reacting to illness. Whether you're juggling a busy job, studying hard, or enjoying your senior years, regular health check-ups are essential. They empower you to take control of your health, catch early warning signs, and make informed decisions that contribute to a longer, healthier life.
Regular health checks are a proactive approach to maintaining your and your family’s well-being, allowing you to stop potential issues before they escalate. This blog will guide you through the benefits of regular health check-ups, highlighting how they can enhance your quality of life. You will clearly understand why regular check-ups are necessary for living a longer, healthier life.
The correct answer is – everyone. While everyone can benefit from regular health checkups, certain groups of people should prioritise them even more:
1. Individuals over 30: With our stressful lives, erratic working hours, and overall environment, the risk of chronic conditions such as hypertension , diabetes, and cardiovascular diseases increases, making regular checkups crucial.
2. Students: It is a misnomer that all children are healthy and do not need health care. Students need regular health checks during their developmental years to monitor their growth, nutrition, and mental health.
3. Seniors Citizens: For older adults, frequent health checkups are vital for monitoring age-related issues and maintaining quality of life.
4. Expectant Mothers: Health is a top priority for a new mother-to-be, as a baby’s good health depends on the mother’s well-being. Therefore, pregnant women need regular health check-ups, doctor visits, and more.
There are many benefits of regular health checkups. Let’s take a look at them:
Regular health check-ups allow early detection of diseases. If a potential chronic or life-threatening disease is caught earlier, it can lead to a more effective treatment plan and better outcomes. Also, seeing the health problem in its early stages prevents it from becoming severe and helps save money.
Regular medical checkups offer you insights into your health. These insights can guide you to make better lifestyle choices and adjustments to lead a healthier life. So, whether you refine your diet, exercise more, or meditate to manage stress, regular checkups help you stay on track.
If you have chronic health conditions like diabetes , thyroid, etc., regular checkups are essential in monitoring and managing symptoms, ensuring that your treatment plan remains adequate.
Prevention is better than cure, and it is cost-effective too! Preventive care can help you save more money than treating a disease after it has developed. Regular health checkups can lead to savings by avoiding costly treatments and hospitalizations.
There are many types of health check-ups. These are tailored to meet your specific needs at different stages of life. From general physical exams to specialized screenings, these check-ups ensure comprehensive monitoring of your overall health.
We provide a comprehensive Health Check-Up to all Insured Persons covered as adults (excluding dependent children in floater policy), as listed in the eligibility table below. Health Check-Ups are available irrespective of their claim status under the Policy and will be arranged by us at our Network Providers.
In the case of an individual policy covering more than one member, upon each member attaining 18 years of age, they become eligible for a health check-up with our Network Provider.
Health Check Up
Package
Sum Insured
Age group
List of tests – Cashless
Compulsory Tests
Optional Tests (Any one)
1
Rs. 5 Lacs
Up to 40 Years
CBC-ESR, FBS, Lipid Profile, Sr. Creatinine
B1 - Heart monitoring – ECG or
B2 - Liver screening - SGOT and SGPT
Above 40 years
B2 - Liver screening - SGOT and SGPT or
B3 - Thyroid Screening - Thyroid profile
or
B4 - Diabetes screening - HbA1c
2
Rs. 7.5 Lacs, Rs. 10 Lacs,
ECG, FBS, Lipid Profile, Sr. Creatinine, CBC-ESR, SGOT, SGPT, GGT, TSH, USG - Abdomen & pelvis
ECG, FBS, Lipid Profile, Sr. Creatinine, CBC-ESR, SGOT, SGPT, GGT, TSH, HbA1c, USG Abdomen & Pelvis, PSA (for Males), Mammogram/ PAP Smear (for females)
3
> Rs. 10 Lacs
Upto 40 Years
FBS, Kidney Profile, ECG, CBC-ESR, Lipid Profile, Liver Profile, Thyroid Profile, 2D-Echo, USG Abdomen & Pelvis, Vitamin D3, Vitamin B12
FBS, ECG, HbA1C, Kidney Profile, CBC-ESR, Lipid Profile, Liver Profile, Thyroid Profile, 2D-Echo, PSA (for Males)/ Mammogram/ PAP Smear (for females), USG Abdomen & Pelvis, Vitamin D3, Vitamin B12,
Full explanation of Tests is provided here:
FBS – Fasting Blood Sugar, ECG – Electrocardiogram, CBC-ESR – Complete Blood Count-Erythrocyte Sedimentation Rate, Sr. Creatinine – Serum Creatinine, HbA1c – Glycosylated Hemoglobin, SGOT – Serum Glutamate oxaloacetate transaminase, SGPT – Serum Glutamate Pyruvate Transaminase, GGT – Gamma Glutamyl Transferase, TMT – Tread Mill Test, PSA – Prostate Specific Antigen, USG – Ultrasound Sonography, TSH – Thyroid Stimulating Hormone, CBC – Complete Blood Count.
Note:
This benefit will not be available during the free look period of the Policy
Choose the Right ManipalCigna Health Plan
Before you select a ManipalCigna health plan that covers regular health check-ups, understand what it offers. Take a look at the table below:
Attribute
ManipalCigna Sarvah Pratham
ManipalCigna Sarvah Uttam
ManipalCigna Sarvah Param
Sum Insured Options
₹5L to ₹300L
Plan’s Focus
Comprehensive protection with a focus on essential coverage. Pratham stands out with its unique indemnity coverage for 4 critical condition Heart, Cancer, Stroke, and Major Organ/Bone Marrow Transplant plus Accident Hospitalization and range of other Optional Covers.
Tailored specifically for those new to health insurance and looking for affordability.
Comprehensive and Modular Protection
Tailored specifically for those new to health.
Comprehensive and Modular Health Protection With Zero Waiting Period.
Min/Max Age at Entry (Adult)
Min 18 Years, Max 65
Min 18 Years, No Limit
Min/Max Age at Entry (Dependent Children)
Min 91 Days, Max 30 Years (Floater)
Policy Type
Individual/Multi-Individual & Family Floater
Policy Tenure
1, 2 & 3 Years
Renewability
Lifelong
Relationship Covered
Individual / Multi Individual - Self/ Spouse/Live-in partner/ Children/ Father/ Mother/ Father-in-law/ Mother-in-law/ Son-in-law/ Daughter-in-law/ Grand-parents/ Grandchildren/ Uncle/ Aunt/ Nephew/ Niece/ Brother/ Sister/ Sister in-law/ Brother in-law
Floater - Self, legally married spouse or live-in partner, dependent Children (Natural / legally adopted), Parents/ Parents-in-law
Waiting Period
PED – 36 Months, Initial – 30 Days
PED – 36 Months, Specific – 24 Months, Initial – 30 Days
No Waiting Period
Premium Payment Mode
Monthly/Quarterly/Half-yearly/Annual/Single
Base Covers
In-patient hospitalization, Day Care Treatment, Pre & Post Hospitalization
Medical Expenses, Domiciliary Hospitalization, Road Ambulance, Donor Expenses, AYUSH Treatment
In-patient hospitalization, Day Care Treatment, Pre & Post Hospitalization Medical Expenses, Domiciliary Hospitalization, Road Ambulance, Donor Expenses, AYUSH Treatment.
In-patient hospitalization, Day Care Treatment, Pre & Post Hospitalization Medical Expenses, Domiciliary Hospitalization, Road Ambulance, Donor Expenses, AYUSH Treatment, Restoration of Sum Insured, Gullak (Guaranteed Cumulative Bonus).
Value Added Covers
Tele-consultation, Wellness Benefits, Discounts from Network Providers
Tele-consultation, Wellness Benefits, Discounts from Network Providers.
Tele-consultation, Wellness Benefits, Discounts from Network Providers, Health Check-ups.
Add-on Covers
Accident Hospitalization Cover, Personal Accident Cover, Temporary Total Disablement, Health Check Up, Air Ambulance, Restoration, Gullak (Guaranteed Cumulative Bonus), Sarathi (Waiving off PED waiting period for listed condition), Room Rent Modification, Surplus, Deductible, Voluntary Co-Pay, Coverage for Non-Medical Items and Durable Medical Equipment.
Personal Accident Cover, Temporary Total Disablement, Health Check Up, Air Ambulance, Restoration, Gullak (Guaranteed Cumulative Bonus), Maternity & New Born Hospitalisation Expesnse, Sarathi (Waiving off PED waiting period for listed condition), Room Rent Modification, Surplus, Anant (Unlimited Sum Insured for any hospitalization related to Cancer, Heart condition, Stroke or Major Organ/ Bone Marrow Transplant) ,Deductible, Voluntary Co-Pay, Coverage for Non-Medical Items and Durable Medical Equipment.
Personal Accident Cover, Temporary Total Disablement, Air Ambulance, Room Rent Modification, Surplus, Deductible, Voluntary Co-Pay, Coverage for Non-Medical Items and Durable Medical Equipment, Pratiksha (reduce your cost by including 24 months waiting period for Specified Disease/Procedure Waiting Period and 30 Days Initial Waiting Period).
Precautions Before Going for a Medical Health Check-Up
Your doctor recommends that you take certain precautions before a medical health check-up. Let’s take a look at them:
Take Charge of Your Health with ManipalCigna's Health Insurance
Take the first step towards a healthier life with ManipalCigna’s health insurance plans. With a 99% claim settlement ratio, these plans offer regular check-ups, OPD coverage, and comprehensive protection, including allopathic and AYUSH treatments. ManipalCigna also covers pre-existing conditions for senior citizens from the 91st day, non-medical expenses, and durable medical equipment, giving you peace of mind at every stage of life.
FAQs
Why is it Important to do a Regular Health Check-Up?
Regular health checkups are crucial because they enable the early detection of potential health issues, allowing for timely and more effective treatment options.
What is the Importance of Health Checkups for Students?
Regular health check-up benefits are essential for students as they help monitor growth and development, detect early signs of health issues, and ensure students' overall physical and mental well-being.
What are the most important health checks?
Depending on age and health history, the most critical health checks include blood pressure measurement, cholesterol levels, blood sugar levels, and cancer screenings.
What are regular health checkups?
Regular health checkups involve routine examinations by healthcare professionals to assess overall health, detect potential problems early, and provide preventive care.
What are the benefits of preventive health check-ups?
Preventive health checkups can help avoid the onset of diseases, reduce the risk of complications, and lead to early treatment, which is often less costly and more effective.