Why Health Insurance is the need of the hour?

Life is uncertain. There is no knowing what will happen. At any time, you may require medical care which can place a financial burden on your shoulders. A health insurance policy ensures you have a safety net to fall back in case of an unfortunate accident and that can partially or wholly take care of the expenses.

What to look for when buying health insurance?

Health insurance plans include technical terms and jargons that can make the process of purchasing one quite daunting. But there are certain factors that are a must while investing in a healthy insurance policy. Age limits, waiting period, cashless hospitalization, pre and post-coverage and premium are some of the things to look for while buying health insurance.

What is the right age to get health insurance in India?

Health insurance and mediclaim policy are meant for securing your health and providing a safety net in case of medical expenses but there are certain factors that distinguish the two. One difference is that a health insurance policy covers pre-hospitalization, nursing and post-hospitalization expenses while a mediclaim policy only covers just hospital or nursing expenses. Health insurance also covers critical illnesses whereas a mediclaim policy does not.

What is the difference between health insurance and a mediclaim policy?

We'll attempt to securely charge your credit card at the point of purchase online. If there's a problem, you'll be notified on the spot and prompted to use another card. Once we receive verification of sufficient funds, your payment will be completed and transferred securely to us. Your account will be charged in 24 to 48 hours.

Why Choose ManipalCigna Health Insurance Plans?

At ManipalCigna, the focus is on health and wellness. A full suite of health insurance plans and solutions are offered ranging from health, personal accident, major illness, travel and global care to individual customers, employer-employee, and non-employer-employee groups to meet various health requirements.

Why should I buy a Critical Illness Insurance?

A Critical Illness Insurance Plan is like an extra layer of protection that acts as a financial aid for you or your loved one tackling with a critical illness. Heart attack, stroke, lung disease, paralysis and cancer are some examples categorised as critical illnesses and incur greater than average medical expenses.

What are the benefits of Critical Illness Insurance?

A critical illness cover provides protection in case of medical emergencies such as a heart attack or a stroke. It provides a large cover that acts as an income replacement and helps you deal with day-to-day expenses. A critical illness cover also increases your chances of survival.

Do Critical Illness Insurance plans offer tax benefit?

Yes, a critical illness insurance plan does offer tax benefit! Under Section 80D of the Income Tax Act, 1961 the critical illness payout is tax-free. The insured can enjoy tax savings up to ₹25,000, provided they are less than 60 years old. Similarly, senior citizens above 60 years of age get tax savings up to ₹50,000.

What documents are required at the time of claim?

While investing in a Critical Illness Policy and during claim, certain documents are required. At the time of claim, you will require the following documents: (a) A medical certificate diagnosing the critical illness. (b) Pharmacy bills and prescription. (c) KYC documents. (d) Discharge/death summary from the hospital. (e) Any other documents required by the insurance company.

Why Choose ManipalCigna Critical Illness Insurance Plan?

The ManipalCigna Critical Illness Insurance policy provides coverage for 20+ critical illnesses. It offers two claim payout options - lumpsum payout and staggered equated payment. Moreover, you get to personalise the critical illness insurance policy to suit your medical needs and financial situation.

Why should I buy a Personal Accident Cover?

The main use of personal accident insurance is to provide coverage against death or permanent or total disability caused due to an accident. It is an additional layer of protection added to your health insurance plan that offers a lump sum payout so that you do not have to pay out-of-pocket for medical expenses.

What are the benefits of Personal Accident Policy?

Some of the benefits of investing in a personal accident policy are - (a) Provides financial aid to deal with medical and non-medical expenses incurred due to an unforeseen accident. (b) No external documents or tests required. (c) Acts as an income replacement.

Can I cover my children and parents under personal accident policy?

Yes, you can. Personal Accident Insurance offers cover for individuals and family. Dependents such as parents, siblings, children, spouse and in-laws can be added to the insurance plan as long they lie between 18-75 years of age.

What documents are required at the time of claim?

The following documents will be required for a claim on personal accident insurance policy - (a) Photo Identity Proof (Voter ID, Passport, PAN Card, Aadhar Card). (b) Duly completed and signed claim form in original. (c) Copy of Medico Legal Certificate (if conducted) duly attested by the concerned hospital. (d) Income proof. (e) Copy of FIR/Punchnama/Police Inquest Report (if conducted) duly attested by the concerned police station.

Why Choose ManipalCigna Personal Accident Cover Plan?

The ManipalCigna Personal Accident Cover is about safeguarding yours and your family's health. You an choose from three insurance plans, each offering global coverage. It comes numerous benefits including education fund, temporary total disability, burns benefit, broken bones and coma.

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Claims FAQs

I am diagnosed with COVID, can I buy ProHealth/Super Top Up policy now?

Yes, you can apply for the insurance cover but issuance of this policy will be subject to underwriting.

Will there be any additional premium due to this relaxation of waiting period?

No, there is no impact on policy premium due to relaxation of “30 day waiting period”.

Does this relaxation apply to HMB benefit under ProHealth Insurance?

Waiting Periods and Permanent Exclusions including Co-pay’s do not apply to Health Maintenance Benefit.

I am diagnosed with COVID and I have some other morbidity condition(s), does this relaxation apply to treatment of such condition(s)?

Yes, along with Covid treatment if there is some other morbidity condition(s) for which treatment is necessary to recover, then for such conditions this relaxation will be applicable.

Are pre-hospitalization expenses covered for first 15 days of the policy for COVID claims?

No, Pre-hospitalization and hospitalization expenses will be covered after 15 days waiting period for Covid claims and after 30 days for Non-Covid claims. Claims arising due to accidents will be covered from day 1.

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