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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
What Is Premium in Health Insurance?
Health conditions are uncertain, and you never know when you will face medical emergencies. The cost of medical treatments is rising gradually. Here, to secure your financial base, health insurance policies provide you with a safety net during the period. But to avail of these services, you need to pay a certain amount of money every month to the insurer. This monthly fee that you pay to the insurer to be supplied with coverage when a medical need arises is the health insurance premium.
How are health insurance premiums set?
The health insurance premium differs from person to person. It is determined by analyzing various factors such as the type of policy, the sum insured, your age, gender, area of residence, etc. There are also a few other factors such as hospitalization costs, doctor visits, daycare treatment,maternity, ambulance services, pre and post-hospitalization, etc., based on which premium amount is determined.
In short, premiums are lower if you-
How are premiums important?
If you fail to pay the premium by the due date, and even during the grace period, you shall lose your health insurance coverage.
Premium is the mode of pre-purchasing your health coverage. If the premium payment term is three years and you fail to pay the 2nd-year premium, for any reason, you will not be able to avail of health coverage if you don’t pay it by the end of the grace period. In this case, the previous policy lapses, and you need to re-purchase a new policy again.
What are deductibles and copayment?
In addition to the premium, other additional costs involved in taking care of your health include deductibles and copayments.
Deductible: A deductible is an amount until which the medical expenses need to be borne from your pocket. If the costs exceed this lower limit, the policy becomes functional, and the hospitalization or other medical expenses will be taken care of by the insurer.
Copayment: A copayment is a fixed amount that you pay each time you get a particular healthcare service. The insurance company bears the rest of the cost of this service. More the co-payment amount, the insurance premiums become lesser and vice-a-versa. However, co-payment is not the only aspect that lessens the premiums.
What is Employee Health Insurance premium?
If your company offers health insurance, you will only have to pay a portion of the premium. The employer will pay a percentage of your premium as long as you continue to hold the job, which is known as employee health insurance premium.
Make sure that you choose your health coverage based on your family/own/life stage needs. Since corporate covers come in small amounts, your employee policy would not cover any major illness.
If you want to protect your entire family under your employee cover, you can ask your employer to top-up your policy accordingly. Once you switch your job or resign, the health insurance cover from the previous employer becomes invalid.
Are health insurance plans with low premiums good?
When choosing a health insurance policy, the common perception is that the cheapest premium will be the most cost-effective option. Actually, it’s a myth. Your choice of the plan should be based on not just how much premium you owe but whether you’re getting coverage worth your needs.
The low premium plans may not offer you all the benefits you need. In the end, you might end up paying more than you signed up for. A health insurance plan that provides extensive coverage, even if the premium is a little high, would be the best option for you in the long run. Consider your needs, family history, family requirements, susceptibility to illnesses, etc.
Conclusion
A monthly premium is a small price to pay for the benefits you will reap later on. So, don’t hesitate to take the first step towards a health insurance plan offering financial security when you most need it. It will help you focus on recovery rather than stressing about costs towards it.
ManipalCigna offers a host of benefits under its various health insurance plans offered at low premiums. Check out ManipalCigna ProHealth Insurance plans to get a comprehensive hospitalization cover for yourself and your family.
