Due to the skyrocketing medical expenses, it has become very difficult to bear the burden of medical costs. This gives birth to medical ignorance and medical delay. To address this situation, different insurance companies have come up with a number of health insurance plans that help individuals to keep themselves safe and secure financially against medical expenses. When it comes to health insurers, ManipalCigna Health Insurance is worth mentioning as it is one of the leading and popular health insurance companies in India. ManipalCigna Health Insurance caters to individuals across demographics of the country with its wide range of products and services. Having more than 8500 network hospitals spread all over the country, a healthy claim settlement ratio of 99.9%, and a Solvency Ratio of 1.67% for the financial year of 2021-2022, this health insurance company is the solution for everyone to insure him/herself against a wide array of diseases and ailments.
Importance of ManipalCigna Health Insurance Plans
This health insurance company offers a wide range of health insurance products and immunises insured persons from multiple illnesses and diseases critical health conditions, Covid-19, general diseases, psychiatric disorders, diabetes, unique health hazards, and many more. Keeping in mind the uprising health costs, the company has also offered top-up health plans that act as a cushion cover to the existing health plan. The customer care service and the network hospitals are always in service of the insured persons so that they can avail of the benefits and facilities without any hazards and keep themselves healthy and secure without worrying about their finances. Once a policy-seeker has opted for a health plan from ManipalCigna Health Insurance Company, the rest will be assured.
Health Policies Offered By ManipalCigna Health Insurance Company
ManipalCigna Health Insurance Company has come up with a sack full of health products to cater to the varied needs of different individuals. Some of the important mentions are as follows.
| Type of the plan | Plan Name |
| Hospitalization cover |
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| Personal accident cover |
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| Critical illness care |
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| Daily hospital cash |
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| Group Health Insurance |
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A List of Covered Diseases Offered by ManipalCigna Health Insurance Plans
This company offers protection and security against a wide array of illnesses, diseases, and medical procedures. Some of the important mentions are as follows.
| Serial Number | Name of the diseases/illnesses and procedures covered |
| 1. | Cancer of Specified Severity |
| 2. | Myocardial Infarction (First Heart Attack – of Specific Severity) |
| 3. | AYUSH treatment |
| 4. | Open Heart Replacement or Repair of Heart Valves |
| 5. | Open Chest CABG (Coronary Artery Disease Requiring Surgery) |
| 6. | Stroke Resulting in Permanent Symptoms |
| 7. | Coma of Specified Severity |
| 8. | Kidney Failure Requiring Regular Dialysis |
| 9. | Major Organ Transplantation |
| 10. | Multiple Sclerosis with Persisting Symptoms |
| 11. | Motor Neuron Disease with Permanent Symptoms |
| 12. | Primary Pulmonary Arterial Hypertension |
| 13. | Permanent Paralysis of Limbs |
| 14. | Cancer Reconstructive Surgery |
| 15. | The vaporization of the prostrate (Green laser treatment or holmium laser treatment) |
| 16. | Aorta Graft Surgery |
| 17. | Immunotherapy- Monoclonal Antibody to be given as an injection |
| 18. | Uterine Artery Embolization and HIFU |
| 19. | Deafness |
| 20. | Loss of sight |
Diseases That ManipalCigna Health Insurance Plans Do Not Cover
A few important mentions are:
- Congenital Anomalies, inherited disorders
- Ailments arising out of alcohol and drug abuse
- Diseases due to nuclear radiation or contamination
- Working in underground mines, tunneling, etc.
- Any pre-existing condition or disability arising out of pre-existing diseases
Conclusion
It is needless to say that obtaining a health insurance plan is very important if anyone wants to secure and protect health and finances, both. Health insurance plans act as a guard to combat the rising inflation of medical expenses. Moreover, ManipalCigna Health Insurance Plans cover almost all the major diseases, medical procedures, and health risks that one is exposed to. But, while the policy-seeker is opting for health insurance, he/she needs to go through the inclusions and exclusions of the policy thoroughly to avoid future complications.
