ManipalCigna Health Insurance Premium Calculator

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To protect you from unexpected health-related expenses, you must pick a plan that involves adequate coverage. The cost of your health insurance package will vary depending on the state where you reside, your current lifestyle, and the coverage and company you're opting for. You can check out different health plans offered by various companies. However, if you want to get free quotes for your health insurance premium upfront, use ManipalCigna health insurance premium calculator.

ManipalCigna offers a premium calculator to help customers make informed decisions regarding their choice of insurance policies.

Key Features of the ManipalCigna Health Insurance Calculator

Here are the key features of the ManipalCigna health insurance premium calculator:

1. Easy Planning

Understanding the cost of purchasing a health insurance policy is not easy. Many factors impact this cost, and most of these you might not realize until the time comes to pay out your monthly premium in full. The ManipalCigna health calculator provides a nearly exact estimation of the cost for the health insurance policy that you want to buy. This enables you to efficiently plan your financial future.

2. Reduces Defaults

ManipalCigna health mediclaim premium calculator allows you to evaluate, assess, select, and learn about the many benefits of multiple medical insurance plans. This assists you in making the finest purchasing selection by keeping you aware of everything. Staying informed about the medical insurance rates ahead of time avoids defaulting on medical insurance premiums since you only choose a coverage you can pay for.

3. Choosing Add-on is Easy

The ManipalCigna health insurance premium calculator for medical insurance premiums shows the most appropriate insurance quotes as you input your personal information. Along with quotations, it also informs you of the price for suitable add-on covers that the policyholder may purchase in addition to the base health insurance policy.

4. Flexibility

Medical insurance calculators are highly versatile, especially the ManipalCigna health insurance calculator. It lets you change numerous factors to discover the optimal mix of total sum insured as well as a premium for your requirements.

5. Insurance Advisors are not Necessary

ManipalCigna's premium calculator is a useful tool for prospective customers who are looking to understand the premiums they will be expected to pay over the course of their respective policies and which policy would likely prove to be the most advantageous. You may do away with the need for an insurance counsellor by using the ManipalCigna health insurance calculator. You may easily browse for coverage features under various health insurance policies at your leisure. There is no influence from agents or others to include certain coverage features. Expanding or lowering covered features may determine your own premium since you are the sole decision-maker.

Things to Remember While Using a ManipalCigna Health Insurance Premium Calculator

It is important to note that even though an insurance premium calculator is devised to make your insurance purchasing decision easier by providing a premium estimate, the amount they offer can vary from the actual amount to some extent. It may not be exactly accurate.

  1. The ManipalCigna health insurance premium calculator just estimates your health insurance based on all the figures you have entered. However, it is not sacrosanct. The amount can vary when you actually purchase the plan online by providing details of your family’s health, age, medical history, etc. So, consider this as an estimation only, not the final amount that must be paid.
  2. You can change the parameters of the ManipalCigna health insurance calculator to change the coverage and the premium to choose the plan which best suits your needs. So technically, the ManipalCigna health insurance premium calculator is only a tool for you to check at the stage of deciding and choosing the plan or its variant.

How to Use the ManipalCigna Health Insurance Premium Calculator?

The company has created its own straightforward, user-friendly ManipalCigna health insurance calculator based on the parameters used to compute rates. You must provide the relevant personal information of the individual or people for whom you intend to purchase the insurance. Complex calculations are completed in minutes, and you are supplied with estimates that allow you to compare and select from a variety of medical insurance plans that are perfect for you.

The ManipalCigna health insurance premium calculator considers the following factors to determine the estimated amount for your health insurance premium such as:

  1. All members' age is proposed to be covered under the health insurance plan.
  2. The sum insured is chosen for the particular plan and its variant.

However, ManipalCigna health insurance premium calculator does not include the following:

  1. The family’s medical history and pre-existing ailments
  2. The underwriting terms and conditions
  3. The family’s health and BMI
  4. The family’s personal history
  5. Rejection details of previous plans

These factors are considered at the time of opting for the ManipalCigna health insurance plan and paying the premium online.

ManipalCigna Health Insurance Premium Chart

ManipalCigna insurance premium chart is contained in the policy documents and policy brochure. It assists you in determining the premium prices for the insurance you intend to purchase. Each premium chart has a specific premium rate for each age category, insurance tenure, as well as sum insured amount.

How is ManipalCigna Health Insurance Premium Determined?

Here is a list of all the factors affecting a health insurance premium amount:

1. Age

As you become older, your medical insurance premium will rise since older individuals are more vulnerable to disease and consume more health care facilities than younger people. To prevent rising rates, it is best to obtain health insurance coverage as soon as possible.

2. Gender

Male and female policyholders pay different premiums for medical insurance. According to the professionals, women are likely to consult more doctors and hence command a greater premium amount.

3. Previous Medical Record

Consumers with pre-existing health conditions must pay greater health insurance rates than others since they require more coverage. If you have a family background, you are more prone to some conditions, like high blood pressure, cancer, or heart illness. As a result, your premium will be higher.

4. BMI

People with a high BMI are much more likely to develop heart disease, joint problems, and possibly diabetes. As a result, individuals are more inclined to use healthcare facilities in the future. So, they are charged higher premiums.

5. Smoking Habits

Daily smokers must pay higher health insurance rates because smoking is extremely hazardous to one's health. Active smokers are more sensitive to health problems such as stroke, cancer, asthma, heart problems, hypertension, and so on.

6. Profession

If you operate in a dangerous setting or have a high-stress profession, you are more prone to have medical problems. As a result, you will need to pay a greater premium amount.

Tax Exemption on ManipalCigna Health Insurance Premium

The Indian Income Tax Act offers exemptions for two types of premium payments in order to encourage consumers to choose adequate health insurance cover: a plan for self and household and on a plan for dependent parents. As a result, medical insurance premiums paid under 80D can be reimbursed on both individual and family medical plans.

Section 80D of the Income Tax Act allows the amount of a medical insurance policy's premium paid to be deducted from the policyholder's taxable income. The maximum deductible amount for self, children & spouse is INR 25,000; for elderly citizens, it is extended to INR 50,000. This means that the policyholder can also be eligible for a INR 75,000 reduction from their tax liability. For this, a policyholder should be below 60 years of age and his/her dependent parents should be above 60 years. 

However, if the policyholder and his or her dependent parents are over 60 years of age, the deductible amount may be increased to INR 1,000,000.

InsuredTax Benefits
<60 years>60 years
Self, Children & SpouseINR 25,000INR 50,000
ParentsINR 25,000INR 50,000
Overall DeductionINR 50,000INR 1,00,000

ManipalCigna Health Insurance Premium Calculator FAQs

  • 1. What happens if I forget to pay my monthly premium on time for ManipalCigna?

    ManipalCigna offers a grace time during which you can renew your coverage. The insurance will expire if you do not pay the premium during the grace term.

  • 2. How to reduce my premium amount for ManipalCigna?

    Here are the tips to reduce your premium amount:

    • Start early
    • Longer period tenure
    • Avoid unnecessary riders
    • Choose an annual premium amount
    • Keep yourself fit
  • 3. Why should I use the ManipalCigna online premium calculator?

    A premium calculator is simple, especially the ManipalCigna health insurance calculator.  It saves significant time and work. There are no tangible papers required to obtain premium quotations. One may acquire premium quotations for various plans in two minutes by inputting a few basic facts such as yearly income, identity, date of birth, and so on. Individuals can purchase insurance policies online without the assistance of agents if they make an educated decision.

  • 4. Can I check the available premium payment options in the ManipalCigna health insurance calculator?

    The premium payment options for ManipalCigna health insurance include single, half-yearly, quarterly, and monthly. The premium payment type may only be chosen at the start of the plan or when it is renewed. Premium loading will be added to the half-yearly, quarterly, as well as monthly premium modes.
    So, yes, you can check all the premium payment options in the ManipalCigna health insurance calculator.

  • 5. After calculating my premium on the ManipalCigna health policy calculator, how do I make a payment?

    You can make a payment to buy any of the ManipalCigna health insurance plans by paying online through debit or credit card, UPI, net banking, etc.

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