Health Insurance: Essential Coverage for You and Your Family

Key products offered by ManipalCigna Health Insurance

ManipalCigna Lifetime Health

ManipalCigna Lifetime Health is a thoughtfully designed solution, to secure an individual’s and a family’s domestic and global healthcare needs. It is a feature-rich product, with lots of in-built benefits and optional packages that can be customized, and comes in two plan variants namely India Plan and Global Plan.

• Both the variants come with future proof high range of sum Insured options ranging from Rs.50 lacs to Rs.3 Cr
• Premium Waiver for one year upon happening of any of the covered contingencies.
• Unlimited restoration for unrelated illnesses to ensure you never run out of cover
• Separate sum insured for domestic and global coverage up to Rs. 3 Crores each
• No capping on room rent for Global hospitalization and any room category including suite available under inpatient hospitalization in India for Sum Insured of Rs. 3 Crores
• Continuity benefit on the entire chosen Sum Insured under portability for those with existing base sum insured (excluding cumulative bonus) of Rs. 10 lacs and above.

ManipalCigna Lifetime Health provides value-based high offering and value-based pricing. It is also an easy way to upgrade your existing cover to secure protection for a lifetime.

For example: Currently in the market, Health Insurance coverage for a sum Insured of Rs.10 lacs for a healthy male Individual of 40 years, living in Delhi / Mumbai will cost in the range of Rs.11,000 to Rs.12,500 whereas a ManipalCigna Lifetime Health India Plan will cost Rs.12,461 including taxes, for a sum insured of Rs.50 lacs for the same individual.

ManipalCigna Sarvah

A truly complete health insurance that truly meets your expectations offering three distinct plans – Sarvah Pratham, Sarvah Uttam, Sarvah Param – each tailored to provide the right level of coverages for your needs.

ManipalCigna Sarvah comes packed with benefits like – 

• Unlimited Restoration is available within the policy year, whether for unrelated or same condition in addition to the base sum insured.
• With Sarathi, get your waiting period reduced to 30 days in Pre-Existing diseases such as Asthma, Diabetes, Dyslipidemia, Obesity, Hypertension.
• Get Infinite Coverage for hospitalization related to Heart, Cancer, Stroke and major organ/bone marrow transplant, Accident.
• Shield your family with a comprehensive Personal Accident Cover up to Rs 3 Cr.
• Tatkal Coverage ensures you have absolutely zero waiting period.
• Gullak benefits guarantees up to 15X bonus over the base Sum Insured, irrespective of claim (100% increase in the Sum Insured each policy year, up to maximum of 1500%).
• With Surplus benefits get an additional 100% of your sum insured from day 1 for first claim in each policy year

ManipalCigna ProHealth Group Insurance Policy (group scheme for the loan customers of SMFG India Credit Co. Ltd.)

A health insurance plan that is designed to match your requirements and offer comprehensive health solutions with various benefits basis what you want.

ManipalCigna ProHealth Group Insurance Policy is packed with benefits like –

• Sum Insured of Rs. 3 Lacs, Rs. 4 Lacs, Rs. 5 Lacs, Rs. 7.5 Lacs and Rs. 10 Lacs.
• Coverage on Individual as well as Family Floater basis. Under the Family Floater Policy, you can cover yourself, your spouse and dependent children
• Policy tenure of 2 years - 5 Years (available only for credit linked policies)
• Cashless facility in network hospitals
• In-patient Hospitalisation cover up to Single Private Room as per Sum Insured opted
• Restoration of Sum Insured
• In-built Health check-up benefit

Main Things that should be kept in mind while buying health insurance

It is important to have a health product that will see you through a lifetime. That’s why, you should have a health insurance product that is simple, predictable, and affordable that will take care of the living benefits of health insurance throughout your and your family’s lifetime.

So, while buying a health insurance:

Step 1 is to ensure you have a personal health insurance plan and not missing on it.

Step 2 - would be to buy a policy that is customizable and comprehensive to secure not just the current health needs but also the ones you and your family are likely to require at different stages of life

Step 3 - It’s also important to look for additional benefits such as loyalty bonuses, premium waiver, Restoration Benefits, cumulative bonus boosters, Ease of Claim Process (Cashless & Reimbursement), and rewards for a healthy lifestyle amongst several others.

Step 4 - would be to get maximum coverage benefits with value-based affordable premiums.

Finally, Step 5 - Customers should be aware of what they have bought, and they should definitely make an honest declaration of their health status so that there are no challenges during the claim process.

BEWARE OF SPURIOUS / FRAUD PHONE CALLS!
IRDAI is not involved in activities like selling Insurance policies, announcing bonus, or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint.

Disclaimer:

SMFG India Credit Co. Ltd. is a corporate agent of Manipal Cigna Health Insurance Company Limited with Corporate Agency License No: CA0098. Commerzone IT Park, Tower B, 1st Floor, No.111, Mount Poonamallee Road, Porur, Chennai, Tamil Nadu - 600116. Insurance is a subject matter of the solicitation. Kindly note that “Insurance” and/or any “Third-Party Products” (TPP) are not mandatory for the purpose of application and disbursement of the loan. It shall be the sole discretion of the customer to avail such insurance and/or any Third-Party Products along with the loan.