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Renewal of ManipalCigna Health Insurance
Renewing your health insurance means continuing your current plan for another year after it ends. When you renew it, you agree to the rules again, and the insurance company promises to help you with money if you have a health problem. If you did not use your insurance last year, renewing your policy can also give you extra benefits like a no-claim bonus or a higher sum insured.
Advantages of Renewing Your ManipalCigna Health Insurance
- 01
Reduced Waiting Period
In some cases, renewing your policy regularly can reduce your waiting time. This helps you get faster access to full coverage for some illnesses or treatments that normally have a longer wait.
- 02
Continuity of Coverage
If you forget to renew your policy, your insurance will stop, and you will not be protected during emergencies. Renewing on time makes sure your coverage continues without any break.
- 03
Wellness Benefits Discounts
If you live a healthy life, like eating well, exercising, and avoiding bad habits, ManipalCigna may give you special discounts during renewal. These discounts can help you save money on wellness programs like gym memberships, health check-ups, or fitness apps.
- 04
No Claim Bonus (NCB)
If you did not make any claim last year, ManipalCigna gives you a bonus at renewal. This bonus adds extra coverage to your plan for free, so you get more protection.
- 05
Any Change or Update Required
If you want to change something in your policy, like adding a family member or upgrading your plan, you can do it at the time of renewal. Most insurers allow changes 30–45 days before the renewal date, or even during the renewal process itself.
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What Happens If You Don’t Renew Your ManipalCigna Health Insurance Policy?
If you don’t renew your health insurance on time, you may face many problems. Some of them are:You Lose Your Health Coverage
If you do not renew your policy, your health insurance will stop. This means you will no longer be protected, even if you had paid for it before.
You will have to Apply Again
You may need to apply for a new policy from scratch, which can take time and effort. Also, you may lose the old benefits you had with your earlier policy.
Waiting Period Starts Again
When you skip renewal, your waiting period starts from the beginning. This means you will have to wait again to get coverage for accidents, common illnesses, serious diseases, and old health problems.
You May Face Big Medical Bills
If you get sick or injured after your policy has expired, the insurance company will not pay your hospital bills. You and your family will have to pay for everything, which can be very expensive.
What Affects the Renewal Price of ManipalCigna Health Insurance?
When you renew your ManipalCigna health insurance, the amount you have to pay (called the premium) can change. Here are the main reasons why:
Age
As you get older, the cost of your health insurance may go up. This is because older people usually need more medical care. Always check the rules from the insurance company.
Claims History
If you have made many claims in the past, your renewal cost might increase. If you did not make any claims, your premium may stay lower.
Policy Changes
If you add extra benefits (called riders) or upgrade your plan, the cost will go up when you renew.
Inflation
Medical treatments are getting more expensive every year. So, your insurance company may increase the premium to match the rising costs in healthcare.
Documents Needed for Policy Renewal
To renew your health insurance policy, you usually need the following:Policy number This is the number of your current insurance plan.Old policy details Information about your previous policy.ID proof Like an Aadhaar card, passport, or voter ID to show who you are.Medical check-up reports Health reports, if needed.Claim history A list of any claims you made before.
How to Renew Your ManipalCigna Health Insurance Policy
With the help of the Official Website:Step 1: Go to the ManipalCigna website and open the policy renewal page.Step 2: Enter your policy number and your date of birth. Then click on "Renew Now."Step 3: Check your policy details and confirm the renewal.Step 4: You will get the renewal information on your phone or email.
With the help of Square Insurance:Step 1: First, you need to open the official website of Square Isurance.Step 2: Now, find the “Renew” option and click on it.Step 3: Mention all the policy details.Step 4: If you want to add some add-ons or riders to your plan, you can select them.Step 5: In the end, pay the premium and get your renewed policy via email.
FAQs
Health insurance renewal means paying again to continue your policy for another year. If you do not renew your policy, your health plan will stop, and you will not get any benefits.
Go to the ManipalCigna website and open the policy renewal page. Then enter your policy number and date of birth, and click on "Renew Now" to complete the process.
You should renew your policy before the end date written in your policy. Renewing on time helps you stay protected without any break in your coverage.
If you forget to renew, ManipalCigna may give you a few extra days (called a grace period). If you still don’t pay, your policy may get cancelled, and you may lose your benefits.
Yes, ManipalCigna usually sends a message or email before your policy ends. These reminders help you remember to renew on time.
Yes, you may be able to add family members or extra benefits at the time of renewal. It is a good time to check if your plan still fits your needs. You can also call customer care for help.