Health Insurance in Manipur

Manipur is witnessing a rise in lifestyle diseases alongside seasonal infections, increasing the need for complete health coverage. Here are some of the major health concerns in the state:

• Diabetes and Hypertension: Diabetes and hypertension are among the leading non-communicable diseases in Manipur, with high blood sugar and blood pressure being major health risk factors. Managing these conditions can cost ₹30,000 to ₹2 lakh or more annually, depending on the severity.
• Heart Diseases: Heart disease is a growing concern in Manipur due to lifestyle changes and hypertension, with ischemic heart disease among the leading causes of premature mortality. Treatments such as bypass surgery can cost ₹1.5 lakh to ₹5.5 lakh.
• Respiratory Diseases: Lower respiratory infections and chronic respiratory illnesses continue to contribute significantly to the state's disease burden. Severe cases requiring hospitalisation cost an average of ₹80,000.
• Dengue and Seasonal Infections: Dengue outbreaks are common during the monsoon, especially in Imphal East, Imphal West, and Churachandpur. Hospitalisation expenses can range from ₹40,000 to ₹1.2 lakh, depending on the severity.
• Tobacco-Related Diseases: High tobacco consumption in Manipur increases the risk of cancer, stroke, and cardiovascular diseases. 58.1% of men and 43.1% of women in the state use tobacco.
• Rising Healthcare Costs: The average out-of-pocket expense for private hospitalisation in Manipur can be a significant financial burden, highlighting the importance of adequate medical insurance coverage.

• Rising Healthcare Costs: Medical expenses for hospitalisation, surgeries, and specialised treatments continue to increase. The average out-of-pocket expenditure for a hospitalisation in India exceeds ₹34,000, making medical insurance in Manipur an important financial protection.
• Access to Quality Medical Care: Health insurance gives you access to a wide network of hospitals across Manipur and other parts of India. It allows you to receive timely treatment without worrying about arranging funds immediately.
• Growing Burden of Lifestyle Diseases: Chronic conditions such as diabetes, hypertension, heart disease, and respiratory illnesses are becoming more common and often require long-term treatment. A health insurance plan helps cover these recurring medical expenses.
• Long-term Financial Benefits: Buying health insurance plans in Manipur early can help you secure lower premiums while enjoying benefits such as cumulative bonuses, wellness rewards, and no-claim incentives over the policy period.
• Supports a Developing Healthcare Ecosystem: Manipur has consistently increased its focus on healthcare, with health expenditure accounting for 5.5% of its GSDP, among the highest in India. Having adequate Manipur health insurance complements this growing healthcare infrastructure by providing better financial protection during medical emergencies.

• Individual Health Insurance

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• Family Health Insurance

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• Senior Citizen Health Insurance

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• Critical Illness Health Insurance

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• Super Top-Up Health Insurance

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• Arogya Sanjeevani Policy

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TATA AIG medical insurance offers complete coverage, flexible plans, and an easy claims process. Here are some reasons to choose it in Manipur:

• Extensive Medical Coverage: Get extensive protection for hospitalisation expenses, including room rent, ICU charges, doctor's fees, diagnostics, medicines, and other eligible medical costs. Choose a sum insured of up to ₹3 crore to protect yourself and your family.
• Cashless Treatment Across India: Access treatment at 12000+ network hospitals across India, including hospitals in Manipur. With the cashless hospital feature, TATA AIG also provides cashless authorisation at eligible non-network hospitals, with approval in a few hours.
• Save More with Attractive Discounts: Reduce your premium for our affordable health insurance in Manipur with a long-term discount of up to 10%, a family discount of up to 32%, and a young family discount of up to 10%, depending on the plan and eligibility criteria.
• Flexible Plans with Optional Add-ons: Choose from individual and family floater health insurance in Manipur and enhance your coverage with add-ons.
• Quick and Easy Claims: File claims online through the TATA AIG website or mobile app and enjoy a seamless claim experience backed by 24×7 customer support at 022-6489-8282 and prompt settlement of eligible claims.
• Automatic Restoration of Sum Insured: If your entire sum insured is exhausted due to a covered claim, the policy automatically restores the base sum insured for subsequent eligible claims during the policy period. This helps you stay financially protected.

Get Online Health Insurance in Manipur in a Few Simple Steps

Buying health insurance online is quick and easy. Follow these simple steps:

1. Click on "Buy Insurance": Select the "Want to Buy Insurance" option at the top of the page to get started.

2. Add Insured Members: Choose the individuals you want to cover and enter their basic details.

3. Provide Your Information: Enter your date of birth, mobile number, and PIN code to explore available plans.

4. Select a Plan: Compare coverage options, choose the sum insured and policy tenure, and add suitable riders, as required.

5. Complete the Purchase: Review your mediclaim policy in Manipur, make the payment online, and get your health insurance policy issued instantly.

Cashless Claim- Emergency Process

1. Inform TATA AIG: Notify TATA AIG about the emergency hospitalisation at the earliest through the customer support helpline.

2. Submit Documents: Share the cashless claim form along with your health card, policy details, identity proof, and other required documents within the prescribed timeline.

3. Get Cashless Approval: Once the claim is approved, TATA AIG will issue an authorisation to the network hospital, allowing you to receive cashless treatment.

Cashless Claim- Non-Emergency Process

1. Raise a Pre-authorisation Request: Submit a cashless claim request at the hospital at least 48 hours before the scheduled admission.

2. Receive Approval: TATA AIG will review the request and communicate the approval to both you and the hospital.

3. Avail Treatment: Present your health card and identity proof at admission to access cashless medical treatment.

Reimbursement Claim Process

1. Pay for the Treatment: Receive treatment at any eligible hospital and settle the medical expenses upfront while informing TATA AIG as per policy guidelines.

2. Submit the Claim: File a reimbursement claim request with the required documents, including the discharge summary, prescriptions, original bills, invoices, and payment receipts.

3. Claim Settlement: After successful verification, the approved claim amount will be credited directly to your registered bank account.

The ideal sum insured depends on factors such as your age, family size, medical history, lifestyle, and rising healthcare costs. While Manipur generally has lower treatment costs than metropolitan cities, medical emergencies and specialised treatments can still lead to significant expenses.

Here are some recommended coverage amounts for the mediclaim policy in Manipur:

• For a Single Individual: A sum insured of ₹5-10 lakh is generally suitable for young professionals and individuals with no major medical history.
• For Individuals with Pre-existing Conditions: If you have conditions such as diabetes, hypertension, or a family history of critical illnesses, opting for ₹15 lakh or more can provide better financial protection.
• For Senior Citizens: Health insurance coverage of ₹15-20 lakh is recommended to manage age-related illnesses, frequent hospitalisations, and higher medical expenses.
• For Couples: A family floater plan of ₹10-15 lakh can provide adequate coverage for young couples with limited healthcare needs.
• For Families with Children: Consider a family floater plan with a cover of ₹20 lakh or more, especially if there are multiple dependents. This ensures sufficient coverage against rising medical inflation and unexpected hospitalisation costs.

The Chief Minister-gi Hakshelgi Tengbang Scheme (CMHT) provides financial assistance for healthcare and has helped improve access to medical services for residents of Manipur. However, like most government health schemes, it comes with predefined coverage limits and empanelled hospital networks.

A private health plan from TATA AIG can complement government coverage by offering a higher sum insured, broader hospital access, customisable benefits, and enhanced financial protection against rising medical costs.

Government health schemes provide valuable financial support and act as an important safety net. However, supplementing them with a TATA AIG health insurance policy can offer broader coverage, higher financial protection, and greater flexibility to meet your evolving healthcare needs.

TATA AIG’s cashless hospitals provide minimal wait times, faster processing and less paperwork while providing top-quality treatment and various offers. We have a network of 12,000+ cashless hospitals across India. In Manipur, one of the leading cashless network hospitals is:

• Shija Hospitals & Research Institute Pvt Ltd (Meitei Langol, Lamphelpat)

TATA AIG is continuously expanding its cashless hospital network to offer greater convenience to policyholders. You can use the cashless hospital locator to find the latest list of empanelled hospitals available in Manipur and nearby locations.