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Benefits of ManipalCigna Health Insurance
When you buy a health insurance plan from ManipalCigna, you and your family can get many useful benefits, like:
- 01
It Covers Your OPD Expenses
OPD means getting treatment without staying in the hospital overnight. This includes regular check-ups, tests, or medicines the doctor tells you to take. These can cost a lot. ManipalCigna helps by paying for these OPD expenses in their health plans.
- 02
You Can Choose Your Sum Insured
You can choose how much coverage (sum insured) you want. It can be as low as Rs. 2.5 lakh or as high as Rs. 50 lakh, depending on what you need.
- 03
You Can Restore Your Sum Insured
If your coverage amount gets used up because of many hospital visits or treatments, ManipalCigna gives it back (restores it) so you can still use the insurance for future treatments.
- 04
Offers Cashless Treatments in Hospitals
If you go to a hospital that works with ManipalCigna (called a network hospital), you don’t have to pay money at the time of treatment. ManipalCigna pays the hospital directly. They have more than 7,500 such hospitals across India.
- 05
Saves Money on Taxes
You can save tax on the money you pay for your health insurance. Under Section 80D of the Income Tax Act, you can save up to Rs. 25,000 (and up to Rs. 75,000 if you are also paying for senior citizen parents).
Health Insurance Plans By Manipal Cigna
FAQs
Yes, ManipalCigna pays for OPD expenses like check-ups, tests, and medicines that don’t need a hospital stay.
No, if you go to a ManipalCigna network hospital, they will pay the bills directly. You don't need to pay anything up front.
Yes, you can save up to Rs. 25,000 in tax (or up to Rs. 75,000 if you also cover senior citizen parents).
You will get the amount you actually spent on treatment. For example, if your medical bill is Rs. 50,000 and your insurance cover is Rs. 5 lakh, you will get Rs. 50,000, not the full Rs. 5 lakh.