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The Coverage Calculator is a uniquely designed online calculator which is tailored to help people choose the right coverage for their needs. Choosing the right coverage is often a tough ask, with people asking common questions like what should be the right amount of Health cover for my family or what should I consider to understand the correct health insurance coverage amount? This coverage calculator is a seamless answer to all such worries. The Health Insurance coverage calculator is designed for helping people find health insurance coverage which is suitable for their specific needs and requirements.

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The Coverage Calculator is a uniquely designed online calculator which is tailored to help people choose the right coverage for their needs. Choosing the right coverage is often a tough ask, with people asking common questions like what should be the right amount of Health cover for my family or what should I consider to understand the correct health insurance coverage amount ? This coverage calculator is a seamless answer to all such worries. The ManipalCigna Health Insurance coverage calculator is designed for helping people find health insurance coverage which is suitable for their specific needs and requirements.

Benefits of a Healthcare Insurance Coverage Calculator

Wondering about the tangible benefits of using the calculator? There are various benefits of health insurance coverage calculators including the following:

  • You may not always be sure of the suitable health insurance coverage that you require. Using this calculator will help you calculate the right amount of coverage that you require. 
  • This calculator take all aspects of your current lifestyle and circumstances into account before the final calculation. 
  • From your health habits, exercise frequency, smoking/drinking habits and your age to your family history and location, everything is analyzed before suggesting the right coverage amount. 
  • You also get access to recommended healthcare insurance products in order to meet the coverage gap. 
  • This helps you decide whether you require full coverage health insurance plans or any add-ons for instance. You get more information and confidence with regard to choosing the right insurance plan. 
  • You also get an idea of the costs of suitable healthcare coverage. 
  • You can learn about the ideal coverage at any stage and juncture in life and make sure that you are secured accordingly. 

In a nutshell, these are some of the biggest benefits of using a healthcare insurance coverage calculator

Why Use a Healthcare Insurance Coverage Calculator? 

The healthcare coverage calculator is truly a pioneering and revolutionary product. There are many reasons behind using the coverage calculator. Some of them include the following: 

  • Easy procedure to find out about the best health insurance coverage for family or yourself. 
  • You can have your existing coverage assessed to find whether it matches up to your needs or whether you need additional coverage. 
  • You get helpful product recommendations once the process is complete, helping you estimate the full health insurance coverage costs as well. 
  • This coverage calculator lets you stay ahead at every stage in your life, keeping you updated about your growing coverage needs. 
  • The entire procedure happens online seamlessly without any physical running around to insurance offices
  • You do not have to discuss anything with anyone. A few clicks and you can complete the steps anytime and anywhere. 

As we grow older and our families evolve, many of us often end up retaining the same healthcare insurance plans that we had earlier without baking in the inadequacies of coverage and medical treatment inflation. Hence, it is always a wise decision to periodically use a coverage calculator for working out the ideal coverage amount at every point in life. 

The biggest advantage is that you will end up saving a whole lot of time and energy in the bargain. Visiting insurance company offices, discussing plans with agents, finding out the coverage gaps in your portfolio, etc are all procedures which require a lot of effort on your part. Why bother with all these hassles, when you can simply get everything done in the comfort of your home or anywhere you wish. 

How to use a healthcare insurance coverage calculator

Using this calculator is very easy. Here are the steps to follow once you are ready to begin. 

  • First, you will have to enter your name. Make sure that the spelling is accurate without any typos. 
  • Thereafter, you will have to enter your contact information, i.e. your email address and your mobile number. 
  • Once these steps are completed, click to proceed and you will find an option where you can set your date of birth as well. This is one of the most crucial pieces of information for the calculator since premiums and coverage needs are hugely determined by the age of the individual. 
  • You will then have to choose your gender and proceed to highlighting information about your family, children, and the number of members. 
  • Thereafter, you will have to mention your pin code and also the type of city that you stay in, i.e. whether it is a metro city or a non-metro city. 
  • Once you have keyed in all these details, you will be asked a few questions where you have to answer with estimates. 
  • You will first be asked about your estimate of the hospitalization costs for a certain duration. You can choose between a few options. Once you have chosen your desired amount, based on your idea of the same, you can click to proceed further. 
  • The next question pertains to your estimation of the prevailing costs for cancer treatment today. You will again have to choose from multiple options. Once you give your estimate, you can proceed to the next section. 
  • In the subsequent section of the calculator, it will ask you about your estimates regarding the costs of heart-linked surgeries or similar procedures. You can choose between the amounts listed online. Once this is done, you can proceed to the next step. 
  • You will then have to indicate your frequency of exercising or working out in this section of the calculator. 
  • Once this is done, you will be asked about whether you smoke and drink, in two separate sections. You have to choose your answer and then click to keep proceeding through these steps. 
  • The calculator will then enquire about your family history and your awareness about any such ailments/conditions. Once this is done, you will be taken to the next screen which is the most important one. 
  • You will be asked whether you have health insurance coverage or not. 
  • If the answer is yes, then you will have to select your present coverage amount or threshold in the final section. 

Once you have provided this information, the calculator will work out the actual coverage amount that you require, based on the same. It may recommend a minimum amount in healthcare coverage for you. At the same time, you will also find numerous recommended products to help you fix the right health insurance coverage for yourself or your family in the final section. This is one of the biggest benefits of using the coverage calculator from ManipalCigna Health Insurance. 

You can access the calculator 24x7 anytime, anywhere. It will take only a few minutes of your time and energy. It is advisable to be truthful about any pre-existing conditions, family history of illnesses, lifestyle habits and other information. This will help the calculator work out the best possible coverage for you or your family. 

FAQs



What is a Health Insurance Coverage Calculator?

A health insurance coverage calculator is a highly innovative, online and time-saving calculator that lets you calculate the coverage amount that you actually require. This is calculated on the basis of all the information you provide, including your family history of illnesses, lifestyle habits, current coverage amount and more. This helps you instantly and swiftly calculate the amount of coverage you will require to stay secured at all times. This is basically the concept behind the coverage calculator.

Why do you need a Health Insurance Coverage Calculator?

A health insurance coverage calculator is highly necessary for several reasons. Firstly, we often end up neglecting the actual amount of health coverage we need, even with growing families and changing treatment or future healthcare needs. Secondly, we do not have the right tool to estimate this actual coverage that we require. Thirdly, we do not always know how to fill up the coverage gap and ensure that we stay protected at all times. The coverage calculator caters to all these pressing requirements at your end. You can find out your desired health insurance coverage with a few clicks anywhere and anytime as per your convenience.

How is Health Insurance coverage calculated?

The calculation procedure takes several parameters into account for working out the final coverage amount that you require. These include the following:

  • Your age.  
  • Your gender.  
  • Your city, the type of the city and the location.  
  • Your estimation of treatment costs for cancer, heart-related ailments, and also hospitalization costs for a few days.  
  • Your lifestyle habits, i.e. how frequently you exercise or work out, whether you smoke and drink, whether you have a family history of illnesses or any medical conditions that you are aware of, etc.  
  • Your existing healthcare coverage amount and whether you have health insurance or not.  

These are some of the aspects considered by the coverage calculator when it comes to finding the suitable coverage amount for your needs.