Trending Articles

Nov 13 2024

Room rent capping in health insurance is a limit set by insurers on the amount they will reimburse for hospital room charges. This cap is generally predetermined as a fixed amount or a percentage of the total insured sum. The main aim behind room rent capping in health insurance is to manage healthcare expenses and curb excessive claims, which can help keep the overall premiums affordable. Nonetheless, choosing rooms that...

Nov 13 2024

You may have heard about nightmare situations of claims rejection when an insured person wanted payment or reimbursement for treating a pre-existing illness. Why and when does this happen? Understanding this matter clearly before buying a health plan and avoiding such a situation is essential. A pre-existing condition for health insurance is an illness or a disease that a person already has before purchasing a health...

Nov 13 2024

In today's fast-paced world, having reliable health insurance is more important than ever. Among the various options available, zonal health coverage stands out as a tailored solution that addresses the specific healthcare needs of different regions. This blog will delve into what zonal health coverage entails and explore its numerous benefits. What Does Zone in Health Insurance Mean? The concept of zones...

Nov 13 2024

Health Insurance Tips for Diabetes Patients India records one of the highest occurrences of diabetes around the world. Diabetes has become common amongst the younger population, especially in adults under 30. Diabetes may cause serious health complications such as kidney failure, nerve damage, vision issues, and cardiovascular diseases. Type 2 diabetes accounts for the most significant proportion of diabetes...

Sep 27 2024

The Insurance Regulatory and Development Authority of India (IRDAI) plays a pivotal role in regulating and developing the insurance industry in India. Health insurance, a crucial segment within this sector, is meticulously regulated by the IRDAI to ensure that policyholders receive fair and transparent services from insurers. The latest IRDAI guidelines for health insurance aim to enhance the overall experience for policyholders,...

Sep 27 2024

Health insurance is essential to financial planning, providing crucial support during medical emergencies. However, even with comprehensive coverage, medical expenses can sometimes exceed the sum insured. This is where the restoration benefit in health insurance becomes invaluable. This article will explore the restoration benefit in health insurance, its types and features, and how it can benefit policyholders.  What...

Sep 27 2024

Understanding every nuance of your health insurance policy is crucial. One vital aspect is the grace period. This article delves deep into what a grace period in health insurance entails, how it functions, its features, and its significant benefits and drawbacks. We'll also explore the implications of not renewing your health insurance on time and the impact of grace periods on your coverage. Definition and Explanation of...

Sep 27 2024

When safeguarding your health and finances, indemnity health insurance is an invaluable option. These plans offer a robust safety net, reimbursing actual medical expenses incurred during hospitalisation up to the sum insured. This blog will delve into the benefits of indemnity health insurance plans, how they work, and why they are a crucial choice in today’s healthcare landscape. Key Features of Indemnity Health Insurance ...

Sep 27 2024

As a small business owner in India, you juggle numerous challenges and responsibilities daily. One of the most crucial aspects of running a successful business is ensuring the well-being of your employees. Health insurance for business owners is not just a perk, but a testament to your commitment to their welfare. It fosters a loyal and productive workforce, which is essential for your business's growth. This comprehensive guide...

Sep 27 2024

Cancer is a debilitating condition that impacts health and finances. Understanding the intricacies of insurance policies for existing and newly diagnosed cancer patients is essential for financial security. This article provides comprehensive insights into insurance policies for cancer patients. What Is an Insurance Policy for Cancer Patients? A cancer insurance policy is designed to cover the costs associated with...

Sep 27 2024

The age-old adage that ‘health is wealth’ applies to all stages of life. Sometimes, people realise this a little late, only once health issues have already setin. While it is recommended to get a health insurance policy from a young age, it’s never too late to get insured. Here’s a handy guide to understanding the role of health insurance in managing chronic heart conditions. Introduction to Health Insurance for Heart...

Sep 27 2024

Are you planning to have a baby? Congratulations! In many ways, this is akin to unlocking the next level in a game. But life isn’t a game, and pregnancy and childbirth aren’t things to be taken lightly. In a world where uncertainty is the reality, all we can do is reduce the uncertainty to the best of our ability. So what can you do instead? A safety net would be nice, and we can only offer you maternity health insurance. ...

Sep 27 2024

When planning for a baby, amidst the excitement, it's crucial to consider the potential for unexpected medical expenses. While it may seem premature, preparing for these costs is essential. Health insurance for your newborn is a key part of this preparation, ensuring that this joyous occasion is celebrated in the best way possible. Newborns are delicate and susceptible to various health risks, making continuous insurance coverage a...

Sep 27 2024

When you hear “life is unpredictable”, it often evokes a sense of dread because we usually associate it with negative events, such as health issues. These unexpected challenges can feel like unpleasant surprises that catch us off guard. While unforeseen health challenges may arise for anyone, the financial implications of such events can be particularly severe. Long-term health insurance offers a strategic approach to mitigating...

Sep 27 2024

Understanding the scope and benefits of different plans is crucial in the complex landscape of health insurance. Comprehensive medical insurance stands out due to its extensive coverage and benefits. This article will explore comprehensive health insurance, its benefits, and the various aspects it covers, providing a clear picture of why it is a valuable investment for you and your family. What is Comprehensive Health...

Sep 27 2024

With its large population and socio-economic landscape, India faces significant challenges in spreading health insurance awareness. Despite the growth in the health insurance sector, many Indians still view health insurance as an unnecessary expense. This blog explores the critical aspects of health insurance awareness in India, the challenges faced, and potential solutions. Importance of Health Insurance Awareness The...

Sep 27 2024

What Is a Cashless Health Card and How Does It Work? We all seek security and peace of mind in the crucial areas of our lives, especially when managing our health. For working individuals, ensuring their health and well-being and that of their families is a fundamental priority.That is when a health insurance card becomes an essential tool for individuals holding health insurance policies. Health insurance requires the...

Sep 14 2024

In today's fast-paced world, accidents and unexpected health issues are a reality that many people face. While traditional health insurance offers essential coverage for a range of medical conditions, integrating accidental coverage into your insurance plan provides a more comprehensive safety net. Here’s why combining accidental coverage with health insurance is a prudent choice for safeguarding your health and financial...

Sep 14 2024

In the face of unexpected accidents or illnesses, the ability to sustain your income while you’re temporarily unable to work can be crucial. Temporary Total Disability refers to a condition where an individual is completely unable to perform their job duties due to an injury or illness, but the impairment is expected to be temporary. This type of disability results from an accident that prevents the affected person from working...

Sep 14 2024

What is Maternity Benefit in Health Insurance? Maternity Benefits in Health Insurance refer to coverage specifically for pregnancy and childbirth related medical expenses. This includes Prenatal and Postnatal care, delivery costs (including caesarean section), and complications that may arise during pregnancy. Some plans also cover newborn care and vaccinations. The primary goal of maternity benefits is to alleviate the...

Sep 14 2024

Choosing the right health insurance plan is crucial for ensuring complete protection and peace of mind. It’s important to review the plan's coverage to confirm it meets your needs, minimizes unforeseen expenses, and offers financial security in case of accidents, illnesses, or other covered situations. By considering aspects like hospitalisation, critical illness coverage, maternity benefits, and outpatient services, you can make...

Sep 14 2024

It's easy to assume we're in good health and overlook the need for regular check-ups. However, true well-being starts with proactive care, not just reacting to illness. Whether you're juggling a busy job, studying hard, or enjoying your senior years, regular health check-ups are essential. They empower you to take control of your health, catch early warning signs, and make informed decisions that contribute to a longer, healthier...

Sep 14 2024

Health insurance is an essential aspect of life. It provides a financial safety net in times of medical emergencies. Health insurance has numerous benefits, from covering hospitalisation expenses to ensuring access to quality healthcare without worrying about the cost. However, to fully leverage these benefits, it is essential to understand all aspects of your mediclaim policy. One key element that requires careful consideration is...

Sep 14 2024

Health insurance is a financial product that protects you from medical expenses that may be beyond your means. It serves as a safety net, ensuring that individuals and families can access necessary healthcare services without facing significant financial burdens. Health insurance typically covers hospitalization, surgeries, doctors' fees, and other related healthcare costs, including day-care procedures, pre- and...

May 27 2024

In a world that moves faster than our thumbs on a Snapchat streak, can we stay far behind as far as our fitness goals are concerned? Gyms? Pfft – they’re so last decade, who even goes there anymore? No, as Gen-Z, we are all about breaking a sweat stylishly, burning those calories mindfully, and having a blast while doing it. Yep, we are rewriting the fitness rules – from goat yoga to walking basketball, we’ve redefined fitness. So,...

May 27 2024

‘I want some space’ – this is a line you’ve probably uttered to your parents at some point in time. Today, it is the mantra of the Gen-Z. Ready to take over the world, more and more zillennials are opting to live alone. While this lifestyle grants independence, living alone cane be a rollercoaster of challenges and victories. From dealing with house help problems to managing your budget, the solo living journey is as exciting as it...

May 27 2024

Oh, Gen-Z! We’ve exclaimed these words sometimes in amusement, sometimes in appreciation, and other times lamenting their approach to life. Whatever you may say about the youth of this generation, there’s one thing for sure – these guys know how to make life fun. Take exercising for example – can you honestly say you’ve met a generation of kids, that’s so into fitness. What’s more, these guys have added their own unique twist to...

May 27 2024

mHealthy junk food – Now that’s a paradoxical sequence of words if we ever heard one! But if Gen Z has proven one thing, is that anything is possible. You can trust them to find creative ways to make the most irresistible culinary delights a part of their everyday menu. Get ready to spice up your taste buds as we uncover some Gen-Z secrets surrounding delicious junk treats, but with a healthy twist. Find out how you can turn your...

May 27 2024

For the longest time, mental health conversations were considered taboo topics in India. Thanks to films like Dear Zindagi, Tamasha, and Chhichhore – and of course to the youth of this nation –Millennials and Zillennials, these behind-closed-door discussions are becoming mainstream. Be it kids at school or adults in the corporate world, everyone is under more stress. And stress brings with it a whole whoopie can of other mental...

May 27 2024

Who doesn’t love dancing? This art form has become more mainstream now than ever, thanks to social media. Every time a new, happening number releases, someone on the internet makes it their mission to create a short dance video, and if they are lucky, the videos become viral. What makes most of these dance videos special is that creators often choose peppy, fast paced numbers. Now, we all know that dancing is good for health, so...

May 27 2024

Shopping at any age is always fun. But as you age, your shopping needs change. And while most adults may have given you the impression that your shopping list as an adult may be yawn-inducing with groceries, home-cleaning products, furnishing items and so on, that’s doesn’t have to be the case. No, we are now in the millennial and Gen Z shopping era, where online shopping is the norm. Basically, you can get everything delivered...

May 27 2024

Ready to level up your cooking game and make your taste buds do a happy dance? Today, we are diving into the world of healthy pasta – because who said eating clean has to be boring? Follow along as we spill the tea on creating mouthwatering, Insta-worthy nutritious pasta recipes that are as good for your bod as they are for your ‘Gram.  The Pasta Basics – How To Cook Healthy Pasta?  Before we dive into the saucy stuff, let us...

May 27 2024

Modern life is full of temptations. Thanks to the influencer culture, social platforms are filled with shopping haul videos enticing you to spend your money on this or invest in that expensive luxury item or its dupe that costs a slightly smaller sum. If you keep spending money recklessly, you’ll never have enough savings. So, when you are surrounded with so much temptation, how can you, ever save money? If this situation feels...

May 27 2024

Adulting is hard! If given a choice, all of us would probably choose that happy, care-free school life where we only needed to worry about getting good grades and getting through to the next year. But once you grow up, you have little choice. There’s no pocket money to bail you out. You have to make money, you have to get a job, you have to pay bills, you have to save money, you have to invest it… oh dear lord, the...

Apr 25 2024

In the world of health insurance, you will stumble upon a vocabulary of terms that you would perhaps not use in your everyday life. Once you acquaint yourself with some of the processes and terminologies like claims, coverage, limits, etc., you may start to get a better grip on how insurance works. And while you may be aware of the basic terms, if you want your policy premiums to cost less, you need to familiarize yourself with a...

Apr 25 2024

Imagine this scenario – your mother suddenly starts running a high fever. You speak to the doctor who tells you that her symptoms indicate pneumonia. You rush her to the hospital, only to find out that her condition is worse than you estimated. You learn that your mother is going to need long term care. When it comes to a loved one, such a diagnosis is enough to break your spirit. But if you have health insurance with comprehensive ...

Apr 25 2024

Have you ever held a legal document in your hand and had the urge to pull out your hair? The complicated terms may make you feel like you are reading something right out of the Shashi Tharoor universe. Such is the nature of legalese language that it can confuse anyone. But, when it comes to health insurance terminology, we want to relieve you of this annoying sensation of having to decode long complex jargon on your own. So we’ve...

Apr 25 2024

Have you ever wondered what the world was like when health insurance didn’t exist? Imagine having to pay enormous sums for simple medical treatments. For the average person, a single medical diagnosis can wipe out their entire savings and drown them in mountains of debt. But with health insurance, you can get high-value coverage. Plus, you can seek treatment at your preferred hospitals. In some...

Apr 25 2024

We live in a world where we want everything done yesterday. Deadlines, prompt responses, imminently, – these are terms we use every day. And when we can log in on apps and order everything in moments, why should our health care needs be far behind? Yes, telemedicine has enormously changed the way we approach health care. Today, it is possible to consult doctors over a small phone screen. So, what is telemedicine exactly and what...

Apr 25 2024

For the longest time, the world felt like it was at a stand-still. Sure, there were technological advancements, but was there pace? Well, not so much! Then came the smartphone – and boom – everything changed. Since the very first smartphone was launched, till today, technology has engulfed every aspect of the modern life. Today, there are mobile and smartwatch apps that motivate us to stay fit and healthy. And what do you know,...

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...

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...

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

‘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...

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...

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...

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...

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...

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...

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 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...

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 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...

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

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

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...

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...

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

  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...

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...

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...

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...

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...

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...

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...

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...

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...

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...

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...

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 ...

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 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...

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...

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...

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!”....

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...

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...

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...

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...

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 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...

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...

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 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 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...

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...

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...

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...

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...

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...

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...