Trending Articles

Mar 21 2024

World Consumer Rights day celebrated on 15th March, aims to raise awareness about consumer rights and promote consumer protection. This day serves as a poignant reminder for you as a consumer and policyholder to be informed and empowered to make right decisions about your health insurance coverage. Navigating the complex world of health insurance can be daunting and this makes it even more important for you as consumers to...

Jan 24 2024

No matter how young or old you are, how rich or poor you are, how healthy or unfit you are, illnesses don’t discriminate. If you want proof of this, simply think of that famous actor whose young son was diagnosed of cancer, or that online page you saw where a young mother was trying to raise funds for her teenaged daughter’s treatment. When such an illness strikes it brings with it a world and worries, while depleting your savings at the same...

Jan 24 2024

Change is the only constant! This saying is true for all aspects of life. When something you pay for does not give you good value for money, it is only natural to choose a product or service that does. It is with mindset that the Insurance Regulatory Authority of India (IRDAI) allows you to change your insurance provider. What’s more, you can move or port your policy without losing the benefits. In this article, we shall attempt to simplify...

Jan 24 2024

Being unwell is a pesky feeling. When you’re sleeping after a long day of work, you want to sleep a little more and keep hitting that snooze button. But when you’re resting in a hospital bed owing to an illness, you can’t wait to get out of it. Besides that impatience to get better, hospitalization keeps your mind occupied with so many other things – a new diagnosis besides the one you are admitted for, the costs adding up with every passing...

Jan 24 2024

Honesty is the best policy! This statement especially holds true at the time of buying insurance. One of the times when you need to wholly and entirely honest, is when you set out to buy a health insurance plan for yourself and your family. If you have any pre-existing medical conditions, you must disclose the same to your insurer at the time of buying your health plan. Let us understand what pre-existing health conditions in medical insurance...

Jan 24 2024

And old adage goes that it is cheaper to buy insurance ten years early than one minute late. A sudden accident or an unprecedented illness can turn your life and finances a 180 degrees around. Insurance secures you against various unforeseen life events and gives you peace of mind. Plus, investing in insurance enables you to save yourself and your loved ones from feeling helpless during times of need. Now, the question many people ask is...

Jan 24 2024

A lifesaver, a money-saver, and an invaluable asset – Health Insurance is a lot of things rolled into one neat package. It covers your costs when you are hospitalized due to an accident or an illness. The premium you pay, translates to extensive coverage, keeping your savings intact. But do you know why everyone insists that you get the policy before you are ever hospitalized? Why can’t you buy insurance after being diagnosed of an illness?...

Jan 24 2024

The path to recovery can sometimes be long and tedious and a simple medical diagnosis can sometimes translate into a long-term treatment course. But if you were to stay in the hospital until you are completely healed, the costs could put a significant dent in your pocket. Even if you have an excellent Health Insurance plan  with a substantial sum insured, you could end up incurring a lot of out-of-pocket expenses. Plus, a prolonged...

Jan 03 2024

We’ve all heard our grandparents tell us stories about the meagre costs of living when they were young. They could buy gold for a mere hundred rupees and properties in cities like Mumbai for a few thousands. Those numbers seem almost a myth today, when a 5-minute consultation with a doctor cost ₹1,000+ and a simple medical procedure costs lakhs of rupees. This number is only expected to increase in the coming years. As inflation continues to...

Jan 03 2024

‘Health is wealth’ is perhaps the oldest and wisest of adages. A wise person is one who ensures both physical health and financial health. Such a person definitely understands the pivotal role Health insurance and term insurance plays in providing financial protection and peace of mind. If you are new to the world of insurance, your induction should start with understanding the difference between health insurance and term insurance so you can...

Jan 03 2024

If the world had to pick the worst year in the past decade, we’d most probably and collectively pick 2020. Riddled with deaths and health crises thanks to a pandemic, 2020 claimed countless lives. In many ways, that fateful year also became a teacher who taught us that we should not take or our loved one’s health, or indeed their lives for granted. It emphasized the importance of investing in health insurance and doing so early on life. So,...

Jan 03 2024

Have you ever heard of the word Nosocomephobia? We bet you’ve experienced this sensation without knowing it. Nosocomephobia is simply an intense and overwhelming fear of visiting the hospital. If given a chance to recover from an illness at home or in the hospital, wouldn’t you rather choose your home? But some ailments are best treated at the hospital. This is why terms like inpatient and outpatient hospitalization exist in the health...

Jan 03 2024

Is paying insurance premium giving you sleepless nights? Do you worry that the high premiums will eat into your financial plans and mess up your budget. If yes, then maybe it is time for you to learn how to lower your health insurance premiums. Yes, it is entirely possible for you to reduce your premium payout and still enjoy excellent health insurance coverage. You can employ several useful tricks and tips and significantly reduce your...

Jan 03 2024

Until a century ago, the medical field was still in its infant stage. People diagnosed of illnesses like cancers, heart ailments, and kidney diseases almost always lost their lives. But the 20th century brought with it medical advancements unlike the world had ever seen before. Today, there’s are vaccines and cures for almost all diseases. But these developments have also impacted medical costs and getting treatment today can empty prove...

Dec 11 2023

Importance of Reading the Fine Print in Your Personal Accident Insurance Policy In the event of an accident, a health insurance  plan can cover the hospitalisation expenses. However, what if the accident leads to disability or death of the individual? In such cases, a personal accident insurance policy can cover these events. However, it is important to understand the scope of an accident insurance policy coverage, the related terms, and...

Nov 30 2023

Importance of adding maternity coverage to your health insurance plan Parenting is something that all couples look forward to. They and their entire family eagerly look forward to the arrival of their bundle of joy. However, along with happiness, becoming parents brings a major responsibility of the child's upbringing. Right from pregnancy to childbirth, to raising the child involves a financial commitment. Maternity coverage with a health...

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...

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...

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 11 2020

We may be halfway through the 21-days lockdown period, but the fight against coronavirus is far from being over. The number of positive cases in India are rising every day, and it is becoming more and more important for people to understand the gravity of the situation. Take good care of yourself and your loved ones because nobody is truly immune to the disease. First of all, do not fret if you have medical insurance given that it also works...

Feb 28 2023

Health insurance has become an essential aspect of modern life. With rising healthcare costs, it is critical than ever to have adequate coverage. Health insurance provides individuals with financial coverage and peace of mind, ensuring that they are prepared for any unexpected medical expenses. However, navigating the complexities of health insurance can be daunting, especially when handling claims and payments. This is where Third Party...

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...

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...

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...

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...

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 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

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...

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...

May 07 2020

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...

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...

Mar 16 2020

Health insurance is more than just a financial product; it is a commitment to safeguarding the health and well-being of yourself and your loved ones. As critical as selecting the right policy is the process of renewing it. This detailed guide dives into the multiple aspects of renewing your health insurance. From understanding the benefits of timely renewal to guidance on choosing premiums, grace periods, and online renewal processes, this...

Jul 02 2021

Introduction At some point in life, most people would need medical care. Even if you are in fine health right now, health insurance can come to your rescue when you most need it. Unforeseen medical emergencies such as injuries, diagnosis of an illness, accidents — don't come with warnings. Hence, having health insurance not only preserves your health but also secures your financial position. Mr. Amit Chhabra gives you an insider look into...

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...

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...

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...

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...

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...

Nov 23 2023

5 Ways to Save Money on Your Health Insurance Premiums With every year, we are making technological advancements in the medical field. With research, new drugs are getting discovered, and with technology, new procedures (operations/surgeries) are becoming possible. However, along with these positive developments, medical inflation is also rising faster. Today, health insurance is more of a necessity rather than an option. But, due to...

Nov 23 2023

ABHA Registration: Everything you need to know about it! Whenever you do a diagnostic test, you may store the report safely for a few months or a year. Post that, you will usually discard it. You may do the same thing with the medical records after being discharged from a hospital. When regularly or deep cleaning the house, you usually discard many documents, including medical ones. If the old medical records/reports have to be reviewed by a...

Nov 23 2023

The Benefits of OPD Expense Coverage: Protecting Your Health and Finances A basic health insurance plan will provide you coverage against hospitalisation and daycare procedures. However, you may need to visit a doctor in a hospital OPD for minor illnesses. These small amounts may add to a considerable amount in the long run. A health insurance plan with OPD coverage can help you cover the regular OPD expenses. In this article, we will...

Nov 23 2023

The Importance of Regular Health Checkups From childhood, we have heard the saying: "Prevention is better than cure". Regular health checkups just let you do that. They help you take charge of your health. Regular health checkups help you assess your current health condition and take steps to maintain good health for the future. In this article, we will understand the importance of regular health checkups. Importance of regular health...

Nov 23 2023

The Impact of Stress on Your Health and How to Manage It Did you recently have a challenging work-related deadline, or a tough time paying the home loan EMI due to high interest rates, or a fight with a loved one? The common effect of all these is stress! If it's a one-off, you will soon overcome it and continue your daily routine. However, if it's recurring, watch out, as it can impact your health in the long run. What is stress? Stress is...

Jul 05 2023

In April 2023, the Government released the National Health Accounts Estimate report. As per the report, the individual out-of-pocket expenditure (OOPE) has decreased as a percentage of total health expenditure (THE). The OOPE has decreased from 62.6% in 2014-15 to 47.1% in 2019-20. The decrease is good news and comes on the back of the Government increasing its spending on the healthcare sector and increasing penetration of health insurance....

Jul 05 2023

During their working years, many people prioritise wealth creation. In the process, some of them sacrifice health. During their golden years and retirement, they sacrifice their earned wealth to regain health. With senior citizen health insurance, you can protect your savings meant for retirement from getting used up for paying hospitalisation bills. In this article, we will understand what senior citizen health insurance is, its need and...

Jul 05 2023

A healthy lifestyle can include a healthy diet, abstaining from bad habits, having a healthy daily routine, exercise, work-life balance, stress management, etc. However, many people find it challenging to follow a healthy lifestyle due to a lack of time, knowledge, other commitments, etc. As a result, there is a probability of falling ill. Fortunately, we have health insurance plans that cover pre-existing diseases and also guide people on how...

Jul 05 2023

In the last few years, digitisation has disrupted many sectors. Insurance is no exception to this trend. The adoption of digital services in insurance has increased a lot. Digitization is beneficial for the insurance company as well as the customers. It helps the insurance company to expand its reach and reduce costs. It enables the customer to purchase and avail of insurance policy services at the click of a button. ManipalCigna Health...

Jul 03 2023

A health insurance policy provides you coverage against hospitalisation expenses. However, how the hospitalisation expenses are paid depends on which hospital you got admitted to. If it is a network hospital, the insurer will settle the bill directly with the hospital. However, if it is a non-network hospital, you must pay the bill from your pocket and later get reimbursed by the insurer. In this article, we will understand the network and...

Jul 03 2023

Do you travel a lot due to your profession or personal reasons? If yes, you need to have a personal accident insurance cover. A health insurance policy can cover hospitalisation expenses, and a life insurance policy can cover death due to an accident. However, personal accident insurance provides many more benefits apart from these. Hence, you should have a separate personal accident cover along with life and health insurance cover. In this...

Jul 03 2023

Buying health insurance for yourself and your family is one of your most important decisions. Hence, it is essential to understand your health insurance coverage needs, the policy you will be buying, and its features and benefits. To ensure you choose the best policy for your family from the available options, you must consider some key factors while comparing health insurance plans. In this article, we will discuss some of these key factors. ...

May 29 2023

In India, many families are just one hospitalisation event away from losing their hard-earned lifelong savings. Hence, it is important for every family to buy health insurance. You should choose the best health insurance policy for family based on the family’s needs. To do that, you need to understand the product and processes related to health insurance, including clearing all misconceptions. In this article, we will clear ten...

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...

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...

Feb 27 2023

Mental health is an important aspect of an individual's well-being. Health insurance can be a valuable resource for individuals seeking mental health services. However, the barriers to accessing mental health services, including the stigma and cost, can be overwhelming. Additionally, navigating the varying levels of coverage for mental health services across different insurance plans in India can be difficult. Hence, this article will delve...

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...

Apr 20 2023

Introduction: After getting the right insurance plan, you should also be responsible and renew it on time to avail continued coverage. Just as you can buy health insurance online or offline, health insurance renewal can also be done online or offline. In order to maintain your security about health insurance, you must renew your policy when required. Why renew your health insurance? Renewing your Health policy on time ensures that you...

Apr 20 2023

Health insurance is a valuable resource that helps individuals cover the costs of medical care. However, filing a claim can be a complicated and confusing process. A reimbursement claim is hospital bills first and then your insurance company compensates you for it. When does this happen? When your hospital is not a part of our network of hospitals, you can apply for a reimbursement claim. With the help of the Expert, claims filing can be...

Apr 17 2023

Boost Your Healthcare Coverage with ManipalCigna Super Top Up With medical inflation in India soaring to 14% in 2021, it is essential to upgrade your health insurance coverage (Source: Times of India). Healthcare needs to evolve constantly. Are you prepared for the worst-case scenario? How will you cope if the sum insured on your standard health insurance policy falls short? What you need is a backup plan like ManipalCigna Super Top Up. The...

Feb 28 2023

Are you tired of scrolling through endless lists of health insurance policies filled with jargon? After all that research, when you finally choose a policy and go through its documents, it's filled with more terminology and nuances. We understand that it can get overwhelming, so before you go into a studying spree and try to understand all the terms, we've got the inside scoop on a term you need to know - the free look period. So sit back and...

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...

Feb 28 2023

Healthcare costs can put a significant strain on your finances, especially in the event of a medical emergency. That's why it's important to ensure that you have adequate coverage and protection in case anything unexpected happens. One of the ways to ensure this is by selecting the correct sum insured for your health insurance plan. This article will take you through three simple steps to determine the correct sum insured for your health...

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...

Feb 24 2023

Corporate and personal health insurance plans are two of the most common kinds of health insurance plans available. These health insurance plans provide a sense of financial security against medical expenses. However, selecting the right plan that fits your needs and budget is critical. Whether you are an employee looking for corporate health insurance coverage or an individual in need of personal health insurance, it's essential to understand...

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...

Feb 19 2020

Health plays an essential part in a person’s life. Bearing in mind the uncertainties, securing finances for the betterment of health treatment becomes crucial. Again, no matter how much we earn in a lifetime, it might not be enough to cover the costs of unexpected medical emergencies. This is the reason today why people opt for health insurance plans. It is good to have a comprehensive health plan, but owning life insurance along with a...

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....

May 20 2021

Health Insurance is no longer an option but is an essential financial vaccination in the current times due to soaring healthcare expenses and increasing rate of lifestyle diseases. The Covid-19 pandemic has further put the spotlight on the importance of health insurance, because medical emergencies can arise anytime, anywhere, and the ongoing pandemic has encapsulated this overwhelmingly. Therefore, today, people are not asking the...

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...

Apr 17 2023

ManipalCigna ProHealth Prime: All your medical investment needs now just a click away A health insurance that protects your present and accumulates enough for those unforeseen circumstances. ManipalCigna ProHealth Prime is a complete healthcare plan which provides great coverage within your budget. The ManipalCigna ProHealth Prime provides you with three options - Protect, Advantage and Active. The product is not just limited to these three...

Apr 17 2023

ManipalCigna ProHealth Insurance: All-round protection for your changing healthcare needs Shifting health needs call for a medical insurance plan that offers comprehensive risk protection while being versatile enough to meet changing healthcare requirements. Manipal Cigna ProHealth Insurance accomplishes all that and more through a variety of coverage options. ProHealth Insurance comes with not one, not two, but five distinct variants:...

Apr 17 2023

ManipalCigna LifeTime Health: Insurance for All Medical Eventualities in India and Abroad One thing you should never do is compromise on health. Medical care can be expensive, but a well-rounded health insurance plan like ManipalCigna LifeTime Health will always have your back. Whether you need surgery, chemotherapy, or mental healthcare, the Lifetime Health plan is a comprehensive risk protection product that can tide you over every medical...

Apr 17 2023

Critical Illness and other add-on covers Protect Your Financial Health with ManipalCigna Lifestyle Protection Critical Care Critical illnesses can crop up when you least expect them. Rather than be surprised tomorrow, why not start preparing right away? Critical illness treatment is expensive, after all. The care required could exhaust your regular insurance coverage and wipe out your savings. Helping you avoid such an eventuality is...

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...

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

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...

Jul 27 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...

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

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...

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...

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...

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...

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

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 11 2020

The world is fighting against something that cannot be seen or touched. In fact, a person will not even realise he/she has been infected until much later since the virus has an incubation period of 2 to 14 days. But in case something happens to you or your loved one, what will you do? That is why a health insurance is much required today.   Firstly, what is a health insurance? A health insurance basically is a safety net of sorts 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. ...

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...

Aug 11 2020

Feeling blue lately? Understandable given you are at home all day long and must be experiencing cabin fever during the coronavirus lockdown. It’s great if you are taking all the precautions that have been adviced by the government and WHO. But are you well-protected? In case something was to happen to you or your family member, do you have a health insurance in place? Having a health insurance today is more important than ever. It is like a...

Aug 11 2020

Feeling bogged down or overwhelmed by all the information you are coming across regarding the novel coronavirus? Pretty sure the feeling is worse considering you are practising social distancing and are under home quarantine. A lot of fake news and rumours are making the rounds, and as is expected from human nature, it’s spreading panic and fear everywhere. Fret not; we are here to help you. ManipalCigna Health Insurance ensures the...

Mar 16 2020

Insurance policies generally come with a fixed renewal tenure, usually spanning across a year. The insurers handling health plans are quite strict when it comes to policy renewal and the suspension of benefits if it is not renewed in time. That said, there are times when the insured misses the renewal window, which results in termination of the health insurance policy. In this article, we shall try to understand the concept of insurance lapse...

Jul 27 2020

What is the Mediclaim premium? Nothing precious in this world comes free of cost. An insurance premium is a specific amount you have to pay the insurer periodically to avail of medical coverage. What is the Mediclaim premium calculator? A Mediclaim premium calculator is a tool that helps you calculate the premium you will be required to pay towards a particular plan. It performs these calculations based on several complex variables...