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Nov 10 2023

The festive season is in full swing. Festivals are all about lights, food, gifts, etc. Every year, during the festive season, you may be buying gifts, such as clothes, jewellery, etc., for yourself and your family. These gifts may or may not be that useful. For gifting this festive season, rather than traditional gifts, consider gifting yourself and your family members a health insurance plan. Health insurance is an integral part of your...

May 29 2023

  Since childhood, we have heard the saying: “All work and no play makes Jack a dull boy”. The same thing affects your health insurance premiums. If you have been working long hours, following a sedentary lifestyle, abusing alcohol and smoking, etc., your health insurance company will not like it and charge you a higher premium than others or even reject your health insurance plan application. Lifestyle factors play a significant role in...

May 29 2023

Most health insurance companies have a healthy claim payment ratio and are taking all possible efforts to improve it further. However, there are certain instances where the health insurance company rejects the claim as a last resort. As a policyholder, you would never like to face this situation of a health insurance claim getting rejected. The event of a self or family member getting hospitalised is stressful, and the claim getting rejected...

Apr 06 2023

It's no secret that our busy modern lifestyle can make it challenging to prioritize our health. We often find ourselves caught up in the daily grind, juggling work, family and personal commitments, leaving little time to focus on ourselves. To drive the importance of prioritizing health, ManipalCigna Health Insurance organised a series of social media challenges over the 3 days leading up to World Health Day. From planking to staying hydrated...

Mar 01 2023

We live in a world where a medical emergency can strike at any time and leave you with hefty hospital bills. This is why having the best health insurance plan for your family has become necessary to protect their health and finances. However, selecting the perfect health insurance plan can be overwhelming due to the plethora of available options. Hence we have created this article to guide you through the significant factors to consider when...

Mar 01 2023

Are you someone who takes responsibility for the health and well-being of your loved ones? If yes, then securing a health insurance plan is vital to ensure their good health. With a reliable insurance policy, you can cover the cost of medical treatments and hospitalisation. However, with the plethora of health insurance options available in the market, selecting the right plan that fits your family's needs and budget can take time and effort....

Feb 28 2023

Health is your most valuable asset, and it's essential to protect it by investing in a health insurance plan. While hospitalisation and medical treatment coverage are standard features in most health insurance plans, the inclusion of Outpatient Department (OPD) coverage can make all the difference. It has become an important consideration for individuals and families looking to manage their healthcare costs effectively. OPD coverage can...

Feb 28 2023

The health insurance sector in India has witnessed significant growth in recent years. However, despite this growth, many individuals still find that their existing health insurance coverage is insufficient to cover all of their medical expenses. This is where top-up health insurance comes in. Top-up health insurance is an additional health insurance policy that provides coverage over and above your primary health insurance policy. It acts as...

Feb 28 2023

Your parents have been your pillars of support, and as they age, you want to ensure they receive the best medical care possible. However, with pre-existing medical conditions making it difficult to obtain health insurance, you may feel helpless. Don't worry, we're here to help. This article will guide you through the challenges and benefits of obtaining health insurance plans for parents with Pre-Existing Diseases (PED). We'll also discuss the...

Jan 23 2023

Importance of Health Insurance Life as we know it, is highly uncertain whereas death and taxes are certain. Post-COVID, we have begun to value health and, more importantly, realize it is very important to have health insurance coverage and quick access to quality healthcare. For any medical emergency, health insurance is a must since it offers the financial backup you need during such emergencies. Hospitalization and surgeries can burn deep...

Jan 13 2023

New year, new start! At the beginning of each year, this can-do attitude gives our willpower a much-needed boost to put our resolutions into action and stick to them. In general, resolutions mainly involve committing to healthy lifestyle changes like getting fit, eating right, learning a new skill, or living life to the fullest. Now, you probably said to yourself, “2023 is the year I meet my fitness goals and make it  MY YEAR!”. But you...

Jan 09 2023

Between April 2020 and December 2020, the share of medical insurance plans purchased by senior citizens between the age of 60 and 80 in India was 15% of the total population. However, the share for comparatively younger people (18-40 years of age) was 45%, thrice the figure for the elderly. Even today, several senior citizens suffer from various critical conditions but are not insured to cover the cost of their treatment. As per a recent...

Jan 06 2023

Nearly 2 out of every 3 elderly citizens in India have some chronic health condition. This was reported by the first Longitudinal Ageing Study in India (LASI) on January 6, 2020. The report found that almost 23% of senior citizens (age 60 and above) suffer from multi-morbidities and elderly women have higher chances of having these conditions. Despite so, just 15% of senior citizens (age 60-80 years) in the country were covered by health plans...

Jan 06 2023

Health Insurance is not a want; it’s a need. You might not feel like having one right now due to many reasons, but one hefty bill is enough to prove that wrong. Medical expenses often come uninvited and when they do, they take away a huge chunk of your family savings. That is why a complete comprehensive plan is a must. A Health Insurance plan not just protects you in your present but also safeguards your future. Because as you get old, your...

Nov 14 2022

Introduction - Awareness of Diabetes As the world's diabetes capital, India has around 77 million people who are affected with this chronic diseases and the numbers are only expected to touch an exponential figure by 2025. Every sixth person with diabetes in the world is an Indian, according to the Indian Council of Medical Research. Per the WHO, diabetes as a condition "occurs when the pancreas does not produce enough insulin or the body...

Aug 22 2022

Thinking about buying life health insurance? You should get it sooner rather than later because inflation will make it worthless over time. And it’s a good idea to get insurance when you’re young and have a low cost of insurance. You won’t qualify for most life insurance discounts if you’re younger than 21 or older than 30. Most insurers won’t even consider writing a policy for someone under 30. But there are good reasons why you should get...

Aug 22 2022

If you are reading this, you already know how important Health Insurance is. It can keep your finances secure and your mind worry-free from medical needs and exigencies. So what happens when you don't have a Health Insurance plan? Unplanned medical expenses drain your savings and you may not be able to afford the treatment you need. Here's another important thing – ‘Being underinsured is as good as not having Health Insurance at all.' Why?...

Aug 22 2022

If you’re reading this article, you’re either looking to buy health insurance or switching your current plan. Whatever it may be, you’re in just the right place. We know that buying a health plan isn’t simple, but we’re here to help make it easier. For starters, do you know the right approach to buying a health insurance plan? Yes, there is a right approach but truth be told, most people get it wrong. But don’t worry, this article will help...

Aug 22 2022

- A family health insurance policy will protect your savings by assisting you in paying medical bills for all insured family members. Read the blog for more information.   Family health insurance plans are becoming increasingly popular as people become more aware of the benefits of having such a plan. These plans cover the cost of medical expenses for a family, including the cost of doctor’s visits, emergency room visits, hospital...

Aug 19 2022

In today’s fast-paced world, without the right insurance, you could be in danger of paying a high price. There may be a sudden medical emergency and if you are not insured, it means you could be at risk of having to pay for all hospital treatment, doctor visits and medicines.  Also, just randomly signing up on a policy without considering the pros and cons or how it benefits you in times of a crisis is also not right. It’s worth...

Aug 19 2022

Before shopping for a personal health insurance plan, you must first understand what type of coverage you need and how much risk you’re willing to take. Health insurance can help cover the cost of medical care, including out-of-pocket expenses, in the case of a covered health issue. It can also be a financial lifesaver in the event of an accident or other unforeseen circumstance. The two main types of personal health insurance are plans that...

Aug 19 2022

The cost of coverage can be a significant barrier to health care for many people. With health insurance premiums increasing dramatically year after year, it can be difficult for people to know how much health insurance cover is suitable for a family of four. Fortunately, there are several different health insurance policies, so no two families need to buy the same plan. Health insurance premiums vary based on several different factors. The...

Aug 19 2022

In the last few years and in the aftermath of a global pandemic, health insurance plans are fast evolving in terms of structures and features to accommodate the customer’s needs and requirements. More and more people are leading a healthy lifestyle and backing it up with necessary wellness programs.  While that helps unnecessary hospital escalations but it does not totally reduce the risk of hospitalization. People realize the critical...

Aug 19 2022

How do you know if your insurance cover is taking care of your healthcare needs and expenses? Reading the policy document and cross-checking what they claim and what is being offered on the ground is typically the route most policyholders resort to at the time of hospitalization. It is always a good idea to do some due diligence before a medical crisis and even better so, before buying a policy when you have the option to compare and check...

Aug 19 2022

You probably already know that having a health issue can be expensive and frustrating. After all, health care costs are one of the main reasons why individuals go without insurance or are uninsured, to begin with. Because of this, it’s important to make sure that your health insurance plan cover your existing conditions. This can be especially challenging if there have been a few changes in your health in the recent past. Most people rely on...

Aug 19 2022

If you are admitted to the hospital, there is a good chance that your insurance will cover all or part of the cost. However, there are some pre-hospitalization expenses and post-hospitalization expenses that your insurance may not cover.  Understanding what your health insurance plan covers and what expenses are not covered is an essential part of planning for your hospital stay. Most hospital expenses are either part of your deductible...

Apr 14 2022

If you do not have health insurance or enough funds to cover medical treatment, it is highly likely that you will avoid visiting the doctor even when it is absolutely necessary for you to do so. It is said that a stitch in time saves nine, which is all the more true for medical emergencies.   When disaster strikes, you will not be in a position to think rationally or logically and may make financial decisions that could cost you big in...

Apr 14 2022

As you grow older every year, your health status may change, and so do your needs for health insurance. You may get married, have a child or even develop lifestyle related illnesses. As life progresses, medical costs usually only go up.   How do I choose a health insurance plan based on my age? Ideally it is advisable to buy a health insurance plan as soon as you start earning, at a young age when diseases are at bay. The younger you...

Apr 14 2022

  Why is it important to have health insurance? It is important to have health insurance to protect your savings and investments against unforeseen medical expenses. Medical expenses in India have been rising year-on-year, which far exceeds the amount of regular salary increments or general inflation. Having a comprehensive health insurance plan and maintaining a healthy lifestyle are ways in which we can counter this problem. What...

Apr 14 2022

What is Critical Illness Health Insurance? Critical Illness Health Insurance is an insurance against the diagnosis of specific kinds of illnesses. It pays out a lump sum amount upon diagnosis and confirmation of one of these conditions or upon undergoing specific medical procedures.   Who needs Critical Illness Health Insurance? Practically everyone who may be at risk of contracting one or more of the illnesses covered should have a...

Jul 20 2021

The Coronavirus pandemic has changed life as we know it, perhaps forever. Most of us reminisce about how ‘normal’ our lives used to be before the virus upended our ideas of normalcy. It has changed the way we live and function. On a broader level, it has also changed how economies function and countries do business. Sectors like retail, travel, banking and insurance and manufacturing have changed irrevocably. The following are the main...

Jul 16 2021

There comes a time in life when you need to sit down and assess your current financial situation and how you want to work towards creating a better and stable future for yourself and your loved ones. Financial planning is a valuable and important process that provides a structure to your finances and accordingly, you have to decide on the steps you need to take to ensure you have enough money to fall back on in case of a medical emergency or...

Jul 14 2021

Ever since the massive wave of the novel Coronavirus engulfed India, we have realised the true value of having a strong immune system and staying healthy. Whether it is putting to use various age-old home remedies or investing in preventive measures if you or a loved one does fall sick, our outlook and attention towards health have changed drastically. One of these measures is investing in a health care insurance plan. Since last year, there...

Jan 03 2021

The urban lifestyle is majorly characterized by irregular sleeping patterns and unwise eating habits. Such a sedentary mode of living has made us prone to frequent illnesses. The purchase of well-rounded medical insurance can cover us against repetitive visits to the hospital. An individual health insurance policy is a necessity owing to the surge in healthcare costs. With the option to pay a health insurance premium in installments, one can...

Dec 29 2020

The segment of the population that is most susceptible to illnesses and their ensuing costs is that of senior citizens. As retired individuals, facing failing health and financial constraints, health insurance is probably the need of the hour. Obtaining medical insurance for senior citizens was almost impossible in the past insurance companies permitted renewal only if you have been a policyholder with them without a break. However, the...

Dec 29 2020

'The sooner, the better' - a phrase that seems befitting when it comes to taking a decision on investing in a health insurance policy. Given life's unpredictability, you never know if and when you may need to be hospitalized, get surgery or incur any medical expense. These expenses can burn a hole in your pocket, and that is why you need a safety net, such as a health insurance policy, that can take care of these exorbitant costs. Health...

Dec 29 2020

Sound financial planning is very important. Not just for you but for your loved ones too. A well-defined financial plan makes sure that your investments today can secure your tomorrow. An important part of a financial plan is buying health insurance. It is a kind of insurance policy that takes care of yours or your loved one’s medical or surgical expenses. But if you go ahead and buy the health cover, it is essential you are aware of some...

Dec 23 2020

Do you often wonder what is health insurance and medical insurance? We have dependable answers for all your basic health insurance dilemmas. Health insurance essentially refers to insurance policies that cover an individual’s medical and surgical expenses. Depending on the nature of the plan, the insurance company will either pay the insured amount directly to the medical facility, or the insured will pay out-of-pocket at the time to get a...

Dec 23 2020

Today, our society is growing more vulnerable to illnesses and diseases. It is imperative to tackle these situations by having certain backup plans in place. Experts from the financial and medical fields believe that investing in health insurance is a one-stop solution. Health insurance benefits are many and if you invest now, they can come in handy during the future. There are various types of health insurance policies available and people...

Dec 15 2020

Do you know the story about Varun? Smart, young man who was set to be married very soon. He had been saving up for his wedding for 2-3 years and had allocated budgets for big and small expenses. Two days before his wedding day, Varun’s father suffered a heart attack and was admitted to the hospital. All the money that Varun had saved for his wedding were now redirected towards the sudden medical expenses since he never thought of investing in...

Jul 27 2020

The spike in medical expenses has made it necessary to buy a health insurance policy. It enables you to access medical treatment by paying the premium towards the policy you purchase. However, you must understand the concept of the sum insured in health insurance to get optimum coverage. A health insurance policy is designed to assist you medically and cover you financially. The sum insured is the maximum amount that...

Jul 27 2020

Buying pregnancy insurance is one of the best ways to cover the expenses of maternity. The rising medical costs have compelled couples planning to expand their families to search for appropriate financial aid. In such cases, getting a pregnancy insurance policy is a viable option. However, the policy conditions in maternity insurance can be cumbersome to understand. For instance, even if you have a maternity policy, did you know that you...

Jul 27 2020

Youth is the time when people experiment and explore new facets of life. It is time to travel and venture into varied career options. In the midst of all this,  very few consider the importance of health insurance. However, young age is the most suitable time for you to get an individual health insurance policy. Health issues often take a back seat as you earn financial freedom with your jobs. When you buy a health insurance policy, you...

Jul 27 2020

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...

Jul 27 2020

The importance of health insurance plans can be easily understood in today’s era. Almost all of us are aware of how it benefits in medical emergencies. However, we cannot enjoy the benefits optimally unless the concept of health insurance is clear. The following are the basic queries that bug the average individual concerning health insurance plans. •   What is health insurance, and how is it important? Health...

Jul 27 2020

Have you taken into account these extra costs in your retirement plan? India does not have a long-term healthcare provision or any form of social security as offered by several developed nations. Until and unless you are employed with a public sector company, you will not be able to rely on your employer to provide healthcare benefits to you for a lifetime. Let us have a look at healthcare Inflation in India. As per data released by the...

Jul 27 2020

Health is the most precious commodity of all, and in today’s stressful times, it is all the more pressing. Health is a huge issue in modern times, with an alarming rise in pollution levels and an increase in the stress component in daily living. As a result, health insurance is a basic necessity. You should always plan your finances in a way that health insurance is right at the center of it. This is one of the most important investments...

Jul 27 2020

Healthcare is vital for everyone in the family, and unfortunately, it is not given as much attention. While we all wish for a healthy life, health problems keep popping up. Along with bringing pain and suffering, they might also put the family under financial stress. Healthcare costs are rising, and it can be difficult for families without a proper safety net to avail the best medical care at their disposal. It is always essential to buy...

Jul 27 2020

The steep rise in medical expenses has made the health insurance an absolute necessity. Many of us do not end up thinking of it as an integral part of our financial portfolio. What is making it even more necessary to own is the fact that our fast-paced lifestyle has made us prone to frequent illness. Health insurance helps you prepare for unforeseen medical emergencies. With the backing of these policies, you can claim the right to...

Jul 27 2020

With life becoming highly sedentary, we are surrounded by multiple health problems, some of which are not very critical, while some are life-threatening. These critical illnesses can be defined as health conditions that have a significant effect on the lifestyle of an individual and require a lot of finances for treatment. The various impacts of such a situation include loss of earning capability, disability and maybe even more. With the...

Jul 12 2020

Many of us are aware of health insurance and its benefits. people have had long discussions, read many articles and watch videos about financial planning. However, unfortunately health insurance is overlooked in most scenarios in spite of it being one of the most important components of a healthy financial portfolio. When minor yet unexpected health issues occur, we all start seeking a contingency plan. You suddenly remember that...

Apr 27 2020

When it comes to analyzing the health insurance plans for women, there are specific ailments that need to be prioritized. Women's health insurance is one such tool that allows women to take care of all the existing medical conditions, i.e., it helps financially in curing some diseases that are specific to women. While a wide range of ailments is covered under health insurance plans for women, this articled discusses the PCOS explicitly. ...

Mar 17 2020

Unforeseen medical events are uncertain, and you never know when you’ll meet any of them. The prudent way of facing such circumstances is to get a suitable health insurance policy that helps you obtain financial coverage towards medical aid. A mediclaim backup gives you financial assurance. If you ignore it, you may suffer from a severe financial crunch. However, if the health insurance claim process is tiresome, the insured members lose...

Mar 16 2020

Health insurance policies are primarily about securing financial coverage towards medical aid for yourself and your family. It is a smart and prudent way to prepare for unforeseen medical events. Health insurance not only protects your finances but more importantly, gives you access to quality healthcare when you need it the most. However, despite a range of benefits offered, people find the health insurance claim-process tiresome, giving the...

Feb 19 2020

Insurance-related terms can intimidate you if you are not aware of technicalities. This is where it is equally important to understand it completely, to enjoy the maximum benefits. It is often asked what a cumulative bonus in health insurance is. Let’s have a look at the similar questions that you already have in your mind.   Cumulative bonus in health insurance is one of the most critical and beneficial features that every policyholder...

Feb 19 2020

Dealing with pregnancy can be tough for women if there isn’t a reliable health insurance plan. However, getting health insurance for pregnant women doesn’t come with a lot of criticalities. Instead, it is only about selecting the most aligned health insurance plan and adding a specific rider to it.  Women can top-up an existing insurance policy by adding a maternity rider with some additional premiums. The maternity insurance is capable...

Feb 19 2020

Health and finance go hand in hand. If you or someone in your family isn’t keeping well – you may visit your doctor and pay for the medicines prescribed. You may even visit the hospital for specific tests to be performed. This running around not only impacts physically and mentally but also burns a hole in the pocket. Sometimes, you are the single source of income in your family, and medical emergencies increase the financial stress to...

Feb 19 2020

Healthcare is something with which one should never compromise. Our physical and mental well-being is closely tied to our overall progress and prosperity in life. One should have access to the best of healthcare services for a smooth and speedy recovery. Private health insurance ensures that the needs of the diseased ones are attended to diligently.  Having control over the choice of doctor and mode of treatment can make a profound...

Feb 19 2020

Health insurance, just like any other industry, keeps evolving and incorporating essential changes. It provides financial coverage over medical procedures, routine check-ups etc. However, nowadays, people are seeking treatments like homoeopathy, Ayurveda and Unani, and the health insurance industry has accustomed itself to it; it has made provisions for covering Ayurvedic treatments.  By giving access to such traditional treatments, the...

Feb 19 2020

Choosing between an individual health insurance policy and a family floater plan can be onerous. Especially, first-time health insurance buyers can face problems in weighing the pros and cons of both types of policies. Many-a-times, buyers are unaware of a family floater plan. The experts always advise getting health insurance or a mediclaim policy for family, which is more beneficial when you want to buy a medical cover for your entire...

Feb 19 2020

The fast-paced lifestyle has led us to face several health-related issues—the habits of eating junk food and lack of hygiene results in welcoming stress and illness. You have to get treated in case some severe ailment strikes you. It is better to have a health insurance policy in place so that your recovery is taken care of financially. Once you are hospitalized and cured with the necessary treatments, your insurance provider pays off the...

Feb 19 2020

Urban lifestyle and the stress springing from it have made us all a bit too lethargic. Today, we are prone to illnesses more than ever. Again, the rising cost of living strains our monthly budget. Hence, a sudden illness can be financially challenging, except when you have a good health insurance policy under your name.  A health insurance policy is a sure shot way to cope with extravagant medical costs. You pay a fixed small premium of...

Feb 19 2020

Today’s ever-expanding market spoils us for choice. The situation in the health insurance vertical is no different than the rest of the market. With several varieties in policies and subtypes within each policy, it takes effort to get acquainted with the available and make an informed choice. Furthermore, many of us end with purchasing something else instead of what they are looking for.  Usually, health insurance and medical insurance...

Feb 19 2020

Our parents have raised us with the utmost love and affection. Remember those childhood days when you used to ask for a toy and your dad had bought it immediately? Remember whenever you had a craving to eat something special; your mom used to start preparing it quickly? Wish we could forever stay in those good-old-days. Today, with the increasing age of our parents, it is our duty to show them how much we value all that they’ve done for us....

Feb 19 2020

Life is getting more and more sedentary, reflected clearly from the figures that show a continuous rise in the number of critical illnesses surfacing in present times. We all know that getting them treated costs a fortune. Hence, a critical illness plan for yourself and/or your family members is imperative, especially with the medical expenses skyrocketing. Life is unpredictable, and there may be instances when your family needs more...

Feb 19 2020

The next generation is well aware of the advantages of buying health insurance policies along with their regular life cover. Life insurance helps you safeguard your loved ones’ financial future behind you, whereas health insurance is a tool through which you get enough financial support to cover medical expenses.  While buying health insurance, you need to understand the nitty-gritty of the policy as well as terms and conditions. There...

Jan 16 2020

Medical costs are on a continuous rise where medical emergencies can present financial difficulty to many of us. Getting the desired treatment at high-end hospitals may become difficult due to high costs. This is where a reliable and rewarding health insurance policy comes to aid. Having a cashless mediclaim policy for a family is probably the best financial safety net. However, before purchasing a cashless mediclaim policy for the family, it...

Jan 07 2020

A medical emergency is one that happens without warning, and you can’t put off. This means that you don’t have the luxury of time to sit and plan out your finances. During such times, the benefits of cashless health insurance can be like a gift from heaven. Here in this article, we aim to explain all that you need to know about cashless insurance. What is cashless medical insurance? When you choose cashless insurance, you don’t need to...