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A Truly Complete Health Insurance Solution, that offers you an Essential Shield, Infinite Power and Instant Peace.
Best suited for
Individual
Family
Multi Individual
A comprehensive and flexible Health Insurance Plan that offers Better Coverage, Better Control and Better Care
A health insurance that lasts for a lifetime
Parents and elders took care of children in their most sensitive ages and phases of life. It is time to gift them the better Healthcare experience. Presenting ManipalCigna Prime Senior, a comprehensive Health Insurance plan which offers innovative features specially designed for Senior Citizens.
A comprehensive hospitalization plan for you and your family
Design your own health plan and pay for what you choose. Customise your plan according to your needs with ProHealth Select and reassure your future
The added boost that keeps you covered above and beyond your health plan.
Affordable standard health insurance plan
Standard Health Insurance Policy specially designed to cover Persons with Disabilities (PWD), Persons afflicted with HIV/AIDS, and those with Mental Illness
A plan that assures financial support and provides a safety cushion for a better tomorrow by providing complete protection, on and off the job, including death, disablement, repatriation of mortal remains and funeral expenses.
A plan that assures financial support and provides a safety cushion for a bettertomorrow by providing complete protection, on and off the job, including death, disability, loss of job and financial protection.
Standard Personal Accident Policy to safeguard your unexpected expenses arising from death or serious injury caused by an accident, while securing your finances
A vital protection for your financial health against life-changing critical illnesses that offers you the entire payment of sum insured on first diagnosis of listed illness.
A daily cash plan to financially aid hospitalization expenses
Every Detail Matters To Your Health
Employer-Employee Group
Non Employer-Employee Groups/ Association/ Institution/Society
Every Detail Matters For Global Protection
Non Employer- Employee Groups/Association/ Institution/Society
Check Detail to Secure Each Member's Lifestyle
Non Employer-Employee Groups/Association/ Institution/Society
Check Details To Secure Overseas Travel
Our All in One Plan to keep you healthy always
Co-Pay Insurance for Good and Safe Health
Health and finance go hand in hand. If you or someone in your family isn’t keeping well – you may visit your doctor and pay for the medicines prescribed. You may even visit the hospital for specific tests to be performed.
This running around not only impacts physically and mentally but also burns a hole in the pocket. Sometimes, you are the single source of income in your family, and medical emergencies increase the financial stress to you.
Process of Co-paying
Co-paying under a health insurance policy means that you have to pay a certain part of the amount at the time of making a claim. The insurer covers the rest. The amount is usually fixed for certain medicines and services. It also varies depending on the type of treatment or medications required.
For example, if your co-pay clause is for 10% and your medical expenditure has amounted to Rs.1,00,000, you will have to pay Rs.10,000 out of your pocket while the insurer will cover the remaining Rs.90,000.
Many of us usually confuse between co-payment and deductibles. A deductible is a fixed amount which the insured/patient has to pay every policy year before the health policy benefits begin to cover the expenses.
Advantages of Co-Pay Health Insurance
Disadvantage of Co-Pay Health Insurance If there is a considerable amount that you need to bear as co-pay, the whole purpose of the co-pay provision would be defeated. This may also lead to getting inadequate financial aid from the insurer in an emergency.
So, is Co-pay beneficial for you? Health insurance is much more than what a regular mediclaim policy offers. It offers more than just paying hospital bills. Hence, paying premiums towards health insurance acts as a safety net for you as well as your family. Better policies come at a higher premium cost; this cost can be discounted if you opt for a co-pay policy.
A co-pay policy is beneficial if the insurer is in the best of health and excellent physical condition. In this case, you may not need to cash in the entire policy and may make use of the benefits that come with it. Today, many health insurance companies offer co-pay policies. Choose the one which is best suitable for your current as well as financial status.