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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
Health Insurance Vs. Mediclaim Policy: The Difference
Today’s ever-expanding market spoils us for choice. The situation in the health insurance vertical is no different than the rest of the market. With several varieties in policies and subtypes within each policy, it takes effort to get acquainted with the available and make an informed choice. Furthermore, many of us end with purchasing something else instead of what they are looking for.
Usually, health insurance and medical insurance (commonly known as mediclaim policy) are two different things. But due to being unaware about the technicalities of insurance policies, we usually overlook some crucial aspects. This, however, may lead to severe issues such as claim rejection in the future. To avoid such complications, you must understand the difference between health insurance plans and medical insurance.
Let’s understand what health insurance and mediclaim policy mean?
Health Insurance Plans
Health insurance plans cover you fully against surgical as well as medical expenses. Depending on the type of plan, the insurer pays off all the bills directly to the hospital if the policy is cashless, or reimburses the insured incase the amount is paid from his pocket. All you need to do is submit all the bills and documents at the time of making a claim. The health insurance cover is extensive and comes at a higher cost than any mediclaim policy.
Medical Insurance
Often referred to as mediclaim policy, this type of insurance offers you coverage against specified expenses for health-related issues. Since it not comprehensive, a mediclaim policy covers only hospitalization expenses. Any other expenses such as pre-post hospitalization, outside medical bills are borne by you, and the insurer pays nothing.
Aspects that Differentiate Health Insurance And Medical Insurance Coverage Comprehensive health insurance plans cover you against hospitalization, ambulance charges, pathological costs, internal medications and expenses of outer prescriptions along with pre & post-hospitalization. On the other hand, the mediclaim policy provides coverage only against hospitalization in any other pre-defined cases, if any. Sum Assured Usually, health insurance sum insured can be chosen up to Rs. 50 Lakhs, or even more in some cases. However, mediclaim insurance comes with a capping of Rs. 5 Lakhs on the sum insured. Premiums Health insurance policies are comprehensive, hence come at a higher cost than that of medical insurance. Hospitalization It is not always necessary to get hospitalized to avail health insurance benefits. You can also choose for day-care procedures or domiciliary treatment instead of getting hospitalized. Well, the mediclaim policy doesn’t allow you to do this. The claim is settled only after providing hospitalization proofs. Critical Illness Cover Comprehensive health insurance covers you against 30+ critical illnesses for which is not covered under any mediclaim policy. Riders You can opt for an add-on or a critical illness rider with your health insurance policy whenever necessary. This cover can be availed against accidental disability, maternity, physical and particle disability, and so on.
Lastly, Both health and medical insurance are advantageous because of their tax benefits. To conclude, Make sure to arm yourself with all the required information before deciding on buying a health insurance plan. Gaining proper knowledge and purchasing a suitable policy helps you win half of the financial battle before you meet any actual medical event.