Today, with rapidly escalating healthcare costs, which continue to grow at an unsustainable rate, most people prefer to delay or cancel treatment altogether as they cannot always afford to pay medical bills. high hospital. This is where health insurance comes in. When you have a no-compromise health insurance plan, you don’t have to scramble to find funds to pay for hospitalization and treatment costs. The health plan does all the heavy lifting by paying the costs, while you can focus on treatment results and getting back to your health.
Health insurance in India covers the treatment required for a wide range of disorders and illnesses, from serious ones like cancer to injuries resulting from an accident. However, those who were hesitant to take out health insurance in the past have drastically revised their views after COVID-19 hit and wreaked havoc in India and around the world. The number of people buying health insurance policies from the start of the COVID-19 outbreak to date has increased by leaps and bounds. Today, people don’t ask the question “Why do I need health insurance?” And now, to address the fundamental issues facing customers, ManipalCigna Health Insurance has unveiled what is arguably one of the most value-based high-sum insured products to date – the Health Plan at ManipalCigna life.
Why is the ManipalCigna Lifetime Health Plan important?
There are several health insurance plans that offer opportunities for enhanced coverage upon renewal. But the ManipalCigna Lifetime Health plan offers progressively improved coverage at different life stages, with coverage for up to 27 major illnesses and changing healthcare needs over a person’s lifetime. This plan is of particular importance for those struggling with post-COVID-19 health complications or those with a genetic predisposition to serious illnesses. It is also useful for those looking to cover both elderly parents and young children under the protection of a comprehensive health policy.
Basically, the plan offers:
– High level of protection; sum insured options ranging from ₹50 lakh to ₹3 crores.
– The plan provides coverage for modern and advanced treatments like robotics, cyber knife and mental care.
– It covers the unique health care needs of the individual at different stages of life.
– Value based high capital insured product comes in two plan variants namely ManipalCigna Lifetime Health India Plan (providing full coverage in India only) and ManipalCigna Lifetime Health Global Plan (providing full coverage in India and selective health cover outside India up to 27 years). serious diseases).
– A high degree of coverage customization with optional and needs-based packages such as Health+, Women+, Global+ and Critical Illness endorsement to make the plan comprehensive and flexible.
– Thus, the plan covers the insured(s) throughout their life, with a plan that evolves as their life progresses.
Other Important Benefits of ManipalCigna Lifetime Health Plan:
Hospitalization in India – If Sum Insured is up to ₹2 crore, then the insured can take any category of room except the suite or the higher category. If the sum insured is ₹3 crore, insured can take any hospital room including suite category.
– There is unlimited restoration for unrelated illnesses to ensure you never run out of coverage
– Benefits on the full face amount are maintained for transferred plans if the existing face amount is ₹10 lakhs and above, i.e. there is a first of its kind, continuity benefits on the entire chosen sum assured for those who already have a base sum assured (excluding cumulative bonus)
– Insured persons enjoy lifetime access to the best healthcare anywhere in India and outside the country with the benefit of cashless hospitalization for up to 27 major diseases listed abroad (under of the global plan)
– ManipalCigna health insurance rewards policyholders with loyalty discounts on premium renewal from the fourth year of insurance through life. A 5% loyalty discount is offered from the fourth to the seventh year and a 10% discount on the applicable premium from the eighth year. Likewise, there is a 15% family discount if you cover two or more family members under one individual policy.
You can study the features and benefits of the plan in the policy document on the ManipalCigna website. At a time when serious illnesses can strike without warning, comprehensive and adaptable health insurance is the safety net you can count on today and tomorrow.
Disclaimer: This is a company press release. No HT journalists are involved in the creation of this content.
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