Manipal Cigna Health Insurance

With a commitment towards health and wellness, Manipal Cigna Health Insurance company provides a wide range of health insurance solutions for its customers to meet a variety of insurance needs for your family’s health and well-being. The parent companies, Manipal group and Cigna Corporation, are well-known names in the fields of healthcare and wellness. The standalone health insurance company offers quality healthcare services that are easily accessible through a network of 7500+ hospitals.

Keep reading to know more about the various types of Manipal Cigna health insurance plans.

There are 6 categories of Manipal Cigna Insurance plans. These plans include hospitalisation cover, personal accident cover, critical illness cover, daily hospital cash, riders, and group insurance. Let us have a look at the top plans offered by the company in the table given below. For more details about any product, go through the brochure or policy wording.

1). Hospitalization Cover

2). Personal Accident Cover

• Plan Name: Manipal Cigna Lifestyle Protection Plan
• Coverage: A personal accident cover that provides financial support in case of job loss, death, disability due to an accident.
• Sum Insured: Up to ₹ 10 crores
• Sub Plans: Accident Care - Basic Plan/Accident Care - Enhanced Plan/Accident Care - Comprehensive Plan

3). Critical Illness Cover

• Plan Name: Manipal Cigna Lifestyle Protection Critical care Plan
• Coverage: Provides financial protection against up to 30 critical illnesses
• Sum Insured: ₹ 1 lakh - ₹ 25 crores
• Sub Plans: Critical Care - Basic/Critical Care - Enhanced

4). Daily Hospital Cash

• Plan Name: Manipal Cigna ProHealth Cash
• Coverage: A daily cash plan to cover hospitalisation expenses
• Sum Insured: ₹ 500 - ₹ 5000 per day
• Sub Plans: ProHealth Cash - Basic/ProHealth Cash - Enhanced

5). Riders

After you have decided to purchase a Manipal Cigna Health insurance policy, keep in mind certain do’s and don’ts. Remember that all policies do not cover all your costs. Read the fine print carefully to understand what the policy is offering and what is not covered.

Do’s

• Choose Adequate Coverage - Always select a Manipal Insurance that covers all your expenses after the age of 60. Do not purchase a plan according to your current medical expenses. A plan that can take care of your medical expenses in old age is the ideal plan.

• Look for limits - Always check limits on room rent or specific treatments. It is best to choose a policy with no such limits or restrictions.

• Check the exclusions - Understand the inclusions and exclusions of your policy well. If you are not able to understand the policy wording, ask your insurance agent or insurer to explain in detail so that you do not miss any important information before finalising the policy.

• Check medical tests covered in the policy - Most health insurance plans cover the cost of annual preventive medical check-ups for adults. Select a plan that provides free annual check-ups.

• Coverage for family - Add all your family members to your health plan to get coverage for the entire family. If there is a new member in the family, include that member also at the time of policy renewal.

• Review your policy - Review your policy to check whether you need to upgrade the coverage or you need a top-up to meet the existing medical expenses.

• Check Portability - Check the provision of portability with your insurer so that in case you want to switch to another insurer in the future, you can easily opt for it.

• Be honest - Provide all the information required by the insurer honestly. Your insurer should be aware of all your medical conditions and health risks. This would help you get a claim easily otherwise, if the information is hidden, it may lead to the rejection of the claim.

Don’ts

• Don’t delay policy renewal - Do not miss the renewal date of your annual policy. If you miss the policy renewal you might lose the benefits of the policy, and you will have to purchase a new policy. To continue having health coverage and benefits, always renew your policy on time.

Invest time and do your due diligence to select the right plan with the right coverage for your family. Get a plan from a reputed insurer like Manipal Cigna general insurance, which offer fast claim settlement and cashless services at a wide range of network hospitals. To purchase a Manipal Cigna Health Insurance plan, visit the company website, or alternatively, you can purchase it from the Coverfox website www.coverfox.com.