Health insurance is often been ignored by most of us ,especially senior citizens. But we will not realize its importance now. Health insurance plays a vital role in our lives. Manipal Cigna offers health Insurnace for senior citizens in a comprehensive manner. Let us understand the working of the policy in depth
Key Benefits of this Plan
This plan provides more benefits which are useful to the citizens in various ways
- They provide individual and floater option
- They have large network of hospitals which provide cashless treatment
- For each claim free year you are provided with no claim bonus
- You can avail tax benefits according to income tax act
- When sum is exhausted there is restoration up to 100%
- Free health check up is provided once in a year
- There are no capping on ICU charge
- Provide Rs. 2.5lakhs to 1crore
- You can receive cumulative bonus up to 200%
- For two family members you can avail 10% and 25% discount
- For a policy period of 2 years you can receive 5% and 10% discount
Eligibility Criteria
Minimum entry age- 18 years
Maximum entry age- no limit
Coverage of family members- spouse, self
Renewability- Lifelong
Inclusion
Future generali offers coverage of large number of treatment under inclusion compared to any other policy. They are
- In patient treatment
- Pre hospitalisation charge
- Post hospitalisation charge
- Day care
- Daily cash allowance
- Ambulance charge
- Recovery benefit
- Organ donor charge
- Domiciliary hospitalisation
- Maternity expense
- Newborn baby expenses
- vaccinations
- AYUSH treatment
- Critical illness charge
- In built assistance
- Worldwide emergency
Other Benefits
- Recharge benefit
- Critical illness care
- Reduction is maternity waiting period
- Deduction
- Booster of cumulative bonus
Exclusions
- Self injuries
- Alcohol or drug abuse
- Plastic surgery
- Cosmetic surgery
- Non-allopathic treatment
- Domiciliary hospitalisation
- Acupuncture
- War injury
Frequently Asked Questions
Q1. Do I need to undergo pre policy medical check up to purchase this policy?
Ans – Yes, to purchase this policy it is mandatory to undergo pre policy medical check up. Because this is to know more about the insurer’s health condition, so that it would be more simple to choose the policy and provide the best treatment if any disease is detected. This check up can be done in any of the network hospitals. They have large network of hospitals
Q2. Does this insurance provide any waiting periods?
Yes they provide the waiting period in three ways. Waiting period is for various types of diseases
A. Initial waiting period- 30 days
B. Specific illness waiting period- 1 to 2 years
C. Pre existing disease waiting period- 2 to 4 years( according to plan variant)
Ans – The health insurance premium chart will be found on the company’s website. In the website you can also find health calculator and premium calculator to know more about your policy and payment of premium which has to be done on monthly basis.
Q4. What are the documents required?
i. Birth certificate
ii. AADHAR card
iii. PAN card
iv. Passbook xerox