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A Truly Complete Health Insurance Solution, that offers you an Essential Shield, Infinite Power and Instant Peace.
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Individual
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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
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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
Skim Through the Pros and Cons of Critical Illness Health Insurance Plans
Life is getting more and more sedentary, reflected clearly from the figures that show a continuous rise in the number of critical illnesses surfacing in present times. We all know that getting them treated costs a fortune. Hence, a critical illness plan for yourself and/or your family members is imperative, especially with the medical expenses skyrocketing.
Life is unpredictable, and there may be instances when your family needs more financial support than what you have managed to save up. A critical illness cover makes getting through such difficult times trouble-free, at least financially. Health insurance surely acts as a reliable financial aid when you need it the most.
Before contemplating purchasing it, let us skim through the pros and cons of a typical critical illness health insurance plan.
What is a critical illness insurance policy?
Critical illness health insurance policies are synonymous with health insurance policies. While a health insurance policy covers general medical requirements with specific exclusions, a critical illness insurance policy covers only a set list of critical illnesses and surgical procedures.
Before getting into the pros and cons of a critical illness policy, you must know of some unique pointers associated with it. Some of the pointers are listed below:
1. List of critical illnesses covered: The set list for critical diseases that are covered under the policy.
2. Procedures for filing claim: How to file for a claim and the claim payout options. E.g., there can be a lump sum payout or a staggered payout option or both under a critical illness cover.
3. Renewal benefits: Benefits that are made available to you upon renewal of the policy.
4. Age eligibility: The eligible age to enter the policy.
Critical illness insurance pros and cons
The pros and cons listed below will provide you with a better understanding of a critical illness plan. Let’s check them out:
The Pros:
The Cons:
Buying Critical Illness Insurance?
Only after carefully weighing the pros and cons should you select a critical illness insurance plan for yourself or your family member. Read the terms and conditions of the critical illness plan document carefully before signing it. Ensure that you read the exceptions and exclusions to get the right cover. Also, go for a plan that fulfills the maximum requirements with minimum exclusions.
ManipalCigna offers the Lifestyle Protection Critical Care plan to cover you against around 30 critical illnesses. While the basic plan offers protection against 15 critical illnesses, the enhanced ManipalCigna Lifestyle Protection Critical Care plan offers coverage for close to 30 different critical illnesses. You receive the entire payment of your sum insured on first diagnosis of any of the listed illnesses.