Benefits of having a lifetime health insurance plan


COVID-19 is not the only cause of health concern. Certain diseases such as cancer, heart disease, stroke, COPD, lower respiratory tract infections, Alzheimer’s disease and other dementias, diabetes mellitus, diarrheal disease, and tuberculosis kill more people than cancer. COVID-19. India also faces the triple threat of lifestyle diseases, existing communicable diseases and also infectious diseases like dengue fever, swine flu and now the recent outbreak of COVID-19.

When it comes to receiving treatment for diseases, Indians in both urban and rural areas seem to prefer private hospitals. However, private hospitals cost almost 7 times more than public establishments. These costs can be covered transparently by no one other than a health insurance plan. And in order for it to cover the medical costs of the serious health problems mentioned above, it must be a critical illness insurance Politics.

But what if you choose a regular insurance plan that gives you the traditional 5-10 lakh coverages? This plan cannot cover all treatment costs for life. As you live longer, you put yourself at risk for health problems for a longer period of time. Therefore, although the overall life expectancy in India was 70.8, the healthy life expectancy was only 60.3. This is what the 2021 World Health Statistics report revealed.

As your age increases, so does the amount of premium you pay for a traditional health insurance policy. It can then become difficult to obtain adequate coverage. But when you go for lifetime health insurance, you get the reassurance that the policy is renewable for life with no restrictions like an age limit! So, to have access to quality health services under consistent insurance coverage throughout your life, the best option is to go for a life time health insurance plan in India, wisely offered by companies. like ManipalCigna.

Benefits offered by ManipalCigna Lifetime health insurance plan

ManipalCigna understands that the usual little coverage offered by regular health insurance policies is not enough to support you with all the uncertainties associated with health throughout life. Hence, it offers a massive 50 lakh to 3 crore coverage to cover you for life! Additionally, the insurance plan is available for use both in India and worldwide, so you don’t need to pay extra for another policy just because you are traveling overseas. .

In addition, the eligibility criteria are straightforward so that people can transcend the age limits to access health care coverage. The minimum entry age is 91 days and 18 for children and adults, respectively. The maximum entry age is 25 for children and 65 for adults. As an added benefit, you can choose between the individual and family floating average. Among the relationships covered are married spouse (opposite sex or same sex), parents, children, siblings, in-laws and more.

Below are the other facilities offered by the ManipalCigna Lifetime Health Insurance Plan which makes it one of the best Lifetime Plans in India:

ManipalCigna Lifetime Health – India Plan

For a hospital stay of more than 1 day, the hospital costs according to the category of eligible room may be covered up to the total amount insured. You can choose any room if the sum insured is up to 300 lakhs.

All insured persons can benefit from it once per insurance year if they are aged 18 or over at the start of the year.

These costs are covered up to your total insured amount.

You can avail any daycare treatment in India. Coverage will amount to the total sum insured.

  • Robotic surgery and cyberknife

This surgery may also be covered up to the sum insured.

You can benefit from medical expense coverage up to 60 days before the date of hospitalization!

You can get coverage for medical expenses for up to 180 days after discharge!

Even they are covered up to the total sum insured in India.

  • Hospitalization for AYUSH

You can enjoy Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy up to the total sum insured.

Even these illnesses are covered up to the sum insured.

For any ambulance service you get in India, you get coverage up to the Total Sum Insured.

Psychiatric and psychological care are also covered in India up to the total amount insured.

  • Return of the sum insured

You can benefit from multiple restorations during an insurance year for unrelated health issues in addition to the amount insured for medical procedures in India.

You can get them up to 10% of the insured amount.

You can benefit from a renewal of premium for one insurance year if you are diagnosed with one of the covered critical illnesses or in the event of permanent partial / total disability or accidental death.

ManipalCigna Lifetime Health – Global Plan

The Lifetime Health Global plan offered by ManipalCigna also offers many advantages such as:

  • Global treatment coverage for no less than 27 major diseases
  • No ceiling on the rent of hospital rooms around the world
  • Benefits of continuity over the full amount insured under portability for those with the current base insured amount of ₹ 10 lakh and above without cumulative bonus
  • You can get comprehensive global immunization coverage while traveling once per insurance year. This service is offered according to the WHO for your trips:
    • To a chosen destination
    • Return to India after being treated for a covered critical illness
    • Outside India in selected coverage area
  • The costs of medical repatriation / evacuation or repatriation of the mortal remains will be covered up to the total sum insured.
  • In addition to the above, the global insurance plan offers the same facilities as the national plan.

When it comes to your health and those around you, there should be no barriers when it comes to financing healthcare. When a family member is sick, you would want to travel any distance to provide them with the best treatment anywhere in the world. Thus, access in terms of health care and health care financing can make a difference in life or death. With ManipalCigna Lifetime Health Global Plan, you can customize your health insurance coverage according to the needs of your stage of life, as and when you need it.

ManipalCigna’s India and World plans are carefully designed to secure the national and global healthcare needs of an individual and a family at every stage of life. It is a feature-rich product, with many built-in benefits and optional packages that can be customized to ensure not only current healthcare needs, but also those that may arise at different stages of the process. the life.

Hence, it is time to secure your health forever with an uncompromising health plan like ManipalCigna Lifetime Health Insurance Plan

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