ManipalCigna Health Insurance Benefits

The listed features make ManipalCigna Health Insurance unique and beneficial to customers:-

• Domiciliary Cover:- In some conditions, patients receive treatment at home and all medical equipment and services of hospitals are provided at the home of the patient. So if you want to have in-house treatment then ManipalCigna gives coverage to the house treatment expenses up to the sum insured.
• Cumulative Bonus Boosters:- There is an add-ons feature in ManipalCigna Health Insurance plans in which you can increase your sum insured amount with a 25% cumulative bonus every year irrespective of claims.
• Waiver of Mandatory Co-Pay:- In the health insurance provided by ManipalCigna there is an option available to remove the mandatory co-pay for senior citizen customers aged of 65 years and above.
• Hospital Daily Expenses:- Under this feature, Rs.1000 is given for the daily hospital expense for every 24hrs that will help you with daily pocket expenses and this benefit is given for 30 days per policy year.

There are certain benefits which will be availed by an individual or by their family after purchasing the health insurance plan from ManipalCigna and those benefits are:

• OPD Expenses:- OPD treatment is a medical treatment in which admission to the hospital is not required and it does not exceed more than 24hrs. In OPD expenses regular check-ups, any diagnosis that is prescribed by the doctor or any pharmacy expenses are included. All these treatments make a huge impact on the wallet of any individual. So to reduce these expenses and burdens from the head of the customer ManipalCigna provides complete coverage of OPD in their health insurance plan.
• Flexibility in Sum Insured:- ManipalCigna Health Insurance gives flexibility to their customers in choosing the sum insured according to their needs and demands. There is a choice of the sum insured amount which starts from Rs.2.5 lakh and goes up to Rs.50 lakh.
• Restoration of Sum Insured:- There are some diseases, illnesses and injuries that require regular medication and hospitalisation. Regular visits to the hospitals and claims of these expenses can exhaust your sum insured amount, but ManipalCigna health insurance gives restoration benefits through which the sum insured gets restored after every claim.
• Cashless Treatment:- Cashless treatment means the treatment of an insured person will be cashless at the network hospital. They don't have to pay any cash during admission to the hospital. ManipalCigna has 7500+ network hospitals in which cashless treatment benefits can be availed.
• Tax Benefits:- Policyholders can avail of the tax benefits on the premium paid against the health insurance plan purchased from ManipalCigna Health Insurance under section 80D of the Income-tax Act 1961. You can file income tax returns of up to Rs.75,000(Rs.25,000 for individuals and Rs.50,000 for senior citizens' parents).
• Discount :- A discount of 25% is given by ManipalCigna health insurance to the individual who adds more than 2 members of his family under the same policy and individual policy.

Ques 1. What is the claim rate for ManipalCigna?

Ans. The Claim Settlement Ratio of ManipalCigna Health Insurance is 93.40%.

Ques 2. How to calculate health insurance claim?

Ans. Health insurance claim is calculated on the basis of a number of times the claim has been raised by the customer against the sum insured.

Ques 3. What are the 10 benefits of health insurance?

Ans. Here are some key benefits of health insurance

1. Covers medical expenses
2. Pre-existing disease coverage
3. Pre and post-hospitalisation expenses
4. Ensures peace of mind
5. Protect your savings
6. Secure the health of your family members
7. High-quality treatment is given at the right time
8. Add-ons are given for critical illness
9. Domiciliary treatment coverage
10. Cashless treatment

Ques 4. How to use ManipalCigna health insurance?

Ans. You can go to InsuranceDekho and buy ManipalCigna Health Insurance and you will get a policy number. After getting the policy number you are eligible for the claims according to the terms and conditions of the policy documents.

Ques 5. How much Mediclaim can I claim?

Ans. According to the principle of indemnity insurer will give the claim of loss incurred to the insured person for example- if the total expense of treatment is Rs.50,000 and the sum insured is Rs.5 lakh then the claim amount given to the insured person will be Rs.50,000 only.