Introduction
ManipalCigna Health Insurance offers an innovative plan called Health and Active, designed to cater to individuals and families seeking comprehensive health coverage combined with wellness-focused benefits. This plan not only covers medical expenses but also emphasizes improving policyholders’ overall health and well-being. Below, we’ll explore the key features, benefits, and unique offerings of this policy.
Key Features of the Health and Active Plan
- Wide Coverage Options
- Available for individuals and families.
- Sum insured options ranging from ₹2.5 lakhs to ₹50 lakhs, catering to diverse financial needs.
- 4-Dimensional Wellness Benefits
- The plan incorporates wellness into its structure, focusing on four dimensions of health:
- Active Lifestyle: Encourages physical activity through fitness rewards.
- Healthy Diet: Nutritional guidance and counseling.
- Mind Wellness: Stress management and mental health support.
- Preventive Care: Regular health check-ups and discounts on fitness programs.
- The plan incorporates wellness into its structure, focusing on four dimensions of health:
- Enhanced Coverage
- Pre- and post-hospitalization expenses covered.
- AYUSH treatments (Ayurveda, Yoga, Unani, Siddha, and Homeopathy) included.
- Domiciliary (home-based) treatments supported.
- Wellness Programs and Rewards
- Policyholders can earn rewards by participating in wellness programs and maintaining a healthy lifestyle.
- Redeemable rewards for premium discounts or other benefits.
Unique Benefits
- Chronic Condition Management
- Covers chronic illnesses like diabetes, asthma, and hypertension from Day 1.
- Personalized wellness coaching for better management of these conditions.
- No Claim Bonus
- Receive a bonus of up to 150% on the sum insured for claim-free years.
- Second Medical Opinion
- Offers access to expert medical opinions for critical illnesses, ensuring informed decision-making.
- Global Coverage Add-On
- Optional add-on to cover medical expenses incurred outside India.
- Personalized Health Score
- Policyholders get a health score based on regular health monitoring, enabling them to track improvements.
Why Choose Health and Active?
- Proactive Approach: Unlike traditional health insurance plans that only focus on covering medical expenses, Health and Active encourages a proactive approach to health by rewarding fitness and preventive care.
- Family-Friendly: Customizable plans to include the entire family with special focus on children’s and senior citizens’ health needs.
- Technology Integration: Seamless access to services like teleconsultation, fitness tracking, and health reports through mobile apps.
Eligibility and Premium Details
- Eligibility Criteria:
- Entry age: 18–65 years for adults.
- Children as young as 91 days can be covered under family floater plans.
- Premium Rates:
- Vary based on age, sum insured, location, and selected add-ons.
- Tax Benefits:
- Premiums paid are eligible for tax deduction under Section 80D of the Income Tax Act.
How to Purchase the Policy?
- Visit the official ManipalCigna website or contact an authorized agent.
- Compare plans and premiums using the online calculator.
- Submit the required documents and undergo medical tests if necessary.
Conclusion
ManipalCigna’s Health and Active plan is more than just a health insurance policy; it’s a commitment to promoting a healthier lifestyle. With its holistic wellness benefits, chronic care coverage, and innovative reward programs, it stands out as a top choice for health-conscious individuals and families. For those looking to combine financial security with an active lifestyle, this plan is worth exploring.
Would you like assistance with understanding the plan in more detail or need help purchasing it? Let me know!