ManipalCigna Health Insurance Renewal

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For you to stay healthy and protected from the aftermath of any medical emergency, it is critical to have a health insurance policy. And for that, you need to get online to renew your health insurance plan. The procedure of ManipalCigna health insurance renewal is quick, simple, and vital since it allows you to continue receiving coverage if the premiums are paid on schedule. This article will go over the details of ManipalCigna Health Insurance Renewal.

Based on your policy duration, you can renew the ManipalCigna health insurance policy after one year, two years, or three years. ManipalCigna Health Insurance offers a grace period during which you may simply renew your medical insurance policies online or in person without compromising the policy advantages. It is important to disclose any new illnesses before renewing your health insurance coverage with ManipalCigna to avoid any complications in the case of a future claim.

ManipalCigna Health Insurance Policy Online Renewal Process

Here is a step-by-step breakdown of the ManipalCigna health insurance renewal online process through the official website of the insurer.

  1. Visit ManipalCigna Health Insurance's official website.
  2. Choose ‘retail customer’ under 'renewal’.
  3. Please input your policy number. Click on the 'proceed' button.
  4. Examine the policy information presented on your screen. Pay online using the many payment options available.
  5. You will get an email verifying the ManipalCigna health insurance renewal online payment as well as the renewal of your insurance.

However, you can also opt for a renewal ManipalCigna health insurance plan through the Paytm application. You must follow these steps to process the online renewal ManipalCigna health insurance plan.

ManipalCigna Health Insurance Policy Renewal - Offline Process

You may renew your ManipalCigna Medical Insurance plan offline by calling its toll-free hotline at 1800-102-4462 and communicating your concerns to ManipalCigna medical insurance professionals. You can also renew your ManipalCigna Health Insurance coverage at any of your local ManipalCigna Health Insurance branches.

Benefits of Renewing ManipalCigna Health Insurance Policy

Here are the benefits of ManipalCigna health insurance renewal:

1. Option to Include Other Family Members

During ManipalCigna health renewal, you can add extra family members. This is useful when someone in your family's illness requires a higher level of coverage than your normal plan provides. You can also get your spouse or children included in the same policy if that happens.

2. Portability Benefit

In medical insurance, portability benefit refers to converting your existing medical insurance plan to a new policy or healthcare provider without compromising any collected advantages such as no claim bonus (NCB), waiting for period credits, free healthcare check-ups, and so on. It allows clients to switch to superior healthcare insurance, such as during the ManipalCigna health policy renewal if they are dissatisfied with their current coverage or insurance firm.

3. Continued Insurance Coverage against Healthcare Expenses

An insurance policy protects you financially in the event of a calamitous incident. Failure to renew your ManipalCigna health insurance coverage means it is no longer effective. So, if the policyholder is diagnosed with any serious condition, you would have to incur significant treatment costs. Renewing your insurance policy ensures that you are always insured, safeguarding your financial situation.

4. Accumulated No-claim Bonus

You may go years without filing a claim on your insurance coverage. In this situation, your health insurance provider will give you a 'no claim bonus.' You might be granted more coverage for the same cost or a cheaper rate with the same cover. This benefit grows in value with each year you do not make a claim. Nevertheless, if you don't renew your policy on schedule, you may lose any NCBs you have acquired up to that point.

5. Waiting Period

Waiting periods are a standard feature of all health insurance policies. If you don't renew your policy on time and purchase a new package, you may have to go through this waiting time again.

Furthermore, you may have to wait many years for coverage if you have a pre-existing ailment. If you don't renew ManipalCigna health insurance policy on time and there is a lapse in coverage, you may be forced to restart the exclusion term from the beginning.

6. Option to Enhance Your Sum Insured

Every insurer allows you to raise your sum covered on renewal. If you do not have appropriate health insurance in this situation, you can increase the coverage or sum covered on your current plan.

7. Tax Benefits

In addition to ensuring your financial security, you can be eligible for tax breaks on paid premiums under Section 80D of the Income Tax Act, 1961. You are entitled to a tax deduction of up to INR 1 lakh every financial year. Failing to renew your health insurance means you could no longer be eligible for such tax breaks.

Things to Keep in Mind During ManipalCigna Health Policy Renewal

  1. Renewal is the time when you get to review all details of your health insurance plan. So, if you wish to enhance the coverage, opt for riders, or need any other changes in the policy, now is the time. So, remember to review the entire coverage details of your ManipalCigna health insurance plan.
  2. ManipalCigna health insurance renewal is when you can add or delete members from the coverage details.
  3. Remember to renew your ManipalCigna health insurance plan on time to continue its benefits and ensure no lapse of your policy. If your policy lapses, you will not be able to continue with your no-claim bonus in case there hasn't been a claim in the past year.

The Bottom Line

Having a health insurance policy has become mandatory these days. Being proactive about your health and well-being is the best way to avoid any grave medical emergency. Simultaneously, regular renewal of your existing medical insurance coverage guarantees that you are not left vulnerable in times of necessity. The procedure of ManipalCigna health insurance renewal online is straightforward.

ManipalCigna Health Insurance Renewal FAQs

  • 1. Can I pay my renewal fee online?

    Yes, you may make your ManipalCigna health insurance online payment by visiting the official website of the insurer. Alternatively, you can pay the same at the company’s branch offices.

  • 2. What if I don't make my renewal payment by the expiration date of the ManipalCigna health insurance policy?

    We advise paying the premium before the plan expiration date to continue enjoying the advantages. In the event of unforeseen situations, a 30-day grace period is provided to settle the premium; nevertheless, policy benefits are suspended during this time.

  • 3. How do I use the health reward points while renewing my policy?

    You can use your health reward points when paying your ManipalCigna health insurance renewal fee online. You may also use the reward tokens to claim for health maintenance.

  • 4. Will I lose my accumulated bonus if I port my existing health plan to ManipalCigna on renewal?

    No. You keep the accumulated bonus on your policies if you use the portability benefit during policy renewal. However, to ensure a smooth transition, you must submit your porting request at least 45 days before your policy renewal.

  • 5. Can I add my newborn child to my family floater plan on renewal?

    Yes. During policy renewal, you have the chance to add multiple family members to your ongoing ManipalCigna health insurance plan.

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