What Are The Different Types Of Health Insurance Available In The Year 2022?

Investing in health insurance policies has become a must for everyone. An illness needing medical attention can exhaust your savings. Health insurance comes to the rescue in case of such unplanned emergencies. Here are the different health insurance policies available in 2022:

Individual Health Insurance

It provides medical coverage to a single person on a sum insured and premium basis. The plan covers in-patient hospitalization expenses, ambulance costs, and daycare procedures. With Manipal Cigna health insurance plans for individuals, you can enjoy better coverage and top-quality treatment.

Family Health Insurance

It secures your entire family, including you, your spouse, dependent children and parents and offers coverage against pre and post-hospitalisation, maternity, AYUSH treatment, and organ donor expenses. The beneficiaries of such a plan share the sum insured equally.

Group Health Insurance

It provides medical coverage to a group working under the same organisation.

Critical Illness Insurance

It covers the policyholders against life-threatening diseases like paralysis, heart attack, renal failure, aorta graft surgery, cancer, and multiple sclerosis. It comes with a lifetime renewability option and offers complimentary health checkups.

Personal Accident Insurance

It offers coverage against the medical expenses arising due to the accidents. The plan gives a lump sum compensation amount in case of permanent disability or death of an insured.

Senior Citizen Health Insurance

It is meant for senior citizens who are above 65 years and covers pre-existing ailments, domiciliary expenses, psychiatric treatment, and more.

Disease-Specific Health Insurance

The plan insures a policyholder against a specific disease or illness, including diabetes, cancer, hypertension, and cardiac ailments.

Top Up Health Insurance

It is ideal for people looking for additional coverage in case their current health insurance policy gets exhausted. The plan will activate only when an insured crosses the threshold limit.

Mediclaim

The in-patient expenses such as nursing charges, anesthesia, oxygen, and doctor’s fees are covered under the mediclaim insurance plan.

Hospital Daily Cash

The policyholder gets a specified daily allowance to meet the healthcare expenses incurred during the hospitalization.

ULIPs

Unit Linked Insurance Plans provide the policyholder with dual insurance coverage benefits and give them a chance of stock investment.

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