Health Insurance in Manipur

With the rampant rise in lifestyle diseases and skyrocketing healthcare costs, it is vital to buy the best health insurance in Manipur so that you don't have to dig into your savings to get proper and timely treatment.

Breast cancer, diabetes, hypertension, oral cancer and cervical cancer are a few common diseases in Manipur. In such a scenario, the best medical insurance in Manipur can be a saviour of your life and savings.

At Tata AIG, we ensure that your medical needs are met with empathy and precision.

Dive into our carefully curated health insurance plans in Manipur, designed to provide peace of mind and support when it matters most.

Tata AIG offers a range of health insurance plans designed to meet your varied requirements.

Here’s a list of plans you can choose from to secure your and your loved ones’ health:

Individual health insurance plan

As the name suggests, individual or personal health insurance is designed for a single person. Under this plan, the entire sum insured covers the health of an individual. You can buy this plan for yourself and your loved ones by paying a separate premium for each.

Family health insurance plan

Also known as a family floater plan, family health insurance covers an entire family under a single plan. In this plan, all the family members share one sum insured. Choosing the best Mediclaim policy for a family in Manipur can be a smart way of securing your family’s health through a single premium.

Senior citizen health insurance plan

This plan is designed keeping in mind the requirements of people above the age of 61 years. it offers coverage for medical treatments and procedures usually prescribed to senior citizens. So, if you want a health insurance plan for your parents or grandparents, senior citizen health insurance is an ideal choice.

Critical illness insurance

A basic health insurance plan usually does not cover the expenses related to critical illnesses like cancer, renal failure and cardiovascular diseases. Hence, critical illness insurance is designed to cover the treatment of critical illnesses that can dig a massive hole in your pocket.

Now that you know about the types of health insurance plans available, it is essential to consider the various inclusions and exclusions under a medical insurance plan to make an informed decision:

• Medical Insurance Inclusions

  • Pre and post-hospitalisation

  • Hospitalisation

  • Ambulance costs

  • Daycare procedures

  • Domiciliary hospitalisation

  • COVID-19 treatment

  • Preventive health check-up

  • Organ donor expenses

• Medical Insurance Exclusions

  Tata AIG’s health insurance in Manipur covers a broad spectrum of health expenses. However, you must know about the following exclusions to avoid any confusion:

  • Cosmetic surgery

  • Infertility treatment

  • Abuse of alcohol and drugs

  • Expenses related to vision, hearing and dental services

  • HIV AIDS

  • Obesity treatment

  • Alternative therapies

  • Pregnancy and associated issues

  • Self-inflicted injuries

  • Injuries or illness due to nuclear perils

Buying the best mediclaim policy in Manipur can seem difficult considering the various plans and insurance providers out there. However, the following factors can help you make the right decision:

Coverage and premium

The first thing to consider while purchasing health insurance in Manipur is the sum insured and premium. Ensure the policy’s coverage aligns with your present and potential health needs, age, medical history, pre-existing illnesses, etc. Keep in mind the skyrocketing healthcare prices and choose an adequate sum insured to tackle various healthcare needs. Also, ensure the premium is affordable without compromising on the benefits.

Waiting period

Health insurance policies usually come with waiting periods. An initial waiting period is during which you cannot file a claim except in case of an accident. It usually ranges between 30-90 days. The waiting period for pre-existing diseases is usually between 2-4 years. Compare insurance companies in terms of waiting period and pick the one which has the least besides considering other factors.

Network hospitals

When it comes to choosing between health insurance companies in Manipur, it is crucial to check their network of hospitals. Since insurance providers directly settle your bills with the network hospital, the treatment at these facilities is cashless. So, make sure the company you choose has sufficient network hospitals in your vicinity, and you don't have to rush to a non-network hospital and file reimbursement claims later.

Claim settlement ratio

The claim settlement ratio reflects the number of claims an insurance company has settled against claims filed in a financial year. A high claim settlement ratio is an indicator of fewer claim rejections. So, choose an insurance company with a high claim settlement so that you have a higher chance of getting your claim passed.

Claim settlement process

Besides the claim settlement ratio, also look for a company that offers a seamless and quick claim process. See if the process of filing cashless and reimbursement claims is simple to understand. Also, ensure the insurance company provides an online process of claim filing for a smoother experience.

Buying an online medical insurance plan in Manipur offers immense benefits. You can make quick comparisons between different health insurance policies and get the best medical insurance in Manipur in no time.

Another benefit of buying a health plan online is that you don't have to go through health check-ups. However, a tele-underwriter may connect with you on call to learn about your medical history or other details before issuing your medical insurance policy.

Tata AIG also offers plan brochures online and a paperless process of buying, renewing and filing claims. Once you purchase a suitable policy, its soft copy is shared with you via email or WhatsApp.

A sedentary lifestyle, poor eating habits, pollution and other factors contribute to the rising health issues in Manipur. Tata AIG understands the challenges health issues can bring and therefore devised the best health insurance policies for you and your loved ones' welfare. Here’s why choosing Tata AIG can be the best decision:

Comprehensive coverage

If you are confused while choosing between the health insurance companies in Manipur, look no further! Tata AIG offers a wide array of coverage options like individual health insurance, family floater insurance, critical illness insurance, senior citizen insurance, etc. depending on your requirements. You can also get maternity insurance coverage as part of our health insurance policy.

Specialised plans

Tata AIG has specialised plans for specific diseases that need long-term treatment and care. Our critical illness insurance plan offers coverage for critical illnesses like cancer, cardiovascular diseases, renal failure, etc. so that treatment of these diseases doesn’t drain out your lifelong savings.

Customer-centric approach

Tata AIG puts customers at the centre and ensures their requirements are met seamlessly. As a resident of Manipur, you can buy and renew the best health insurance and file your claim through a hassle-free online process. Whether you have a query or need assistance or clarification regarding policy terms, Tata AIG’s customer support system is always there for you.

Here are the key features and benefits of Tata AIG’s health insurance plans:

Now that you know how important health insurance is and the various options available, here’s a guide to buying and renewing your health plan with Tata AIG:

How to Buy Tata AIG's Health Insurance in Manipur?

Buying a health insurance plan in Manipur from Tata AIG is simple. Here’s all you need to do:

• Step 1: Navigate to Tata AIG’s official website and choose the “Health Insurance” option

• Step 2: Provide details like your name, phone number, gender and age

• Step 3: Select a city and inform Tata AIG about any existing illnesses or previous surgeries

• Step 4: You can get a quick idea of various health insurance plans and their prices through the online health insurance premium calculator

• Step 5: After choosing a plan, you can pay your health insurance premium via any of the digital payment options

• Step 5: After receiving your payment and necessary verification, Tata AIG will send a soft copy of your policy via email or WhatsApp

How to Renew Tata AIG's Health Insurance in Manipur?

Here’s a Step-by-Step guide to renewing your health insurance policy with Tata AIG:

• Step 1: Visit Tata AIG’s official website and choose the “Health Insurance” option

• Step 2: Select the “Renew Existing Tata AIG Policy” option

• Step 3: Fill in your health policy number and other necessary details

• Step 4: Add riders you want in the existing policy and click “Renew”

• Step 5: Pay using any of the digital payment options after which your policy will be successfully renewed

Filing a claim for your Tata AIG health insurance plan is hassle-free. You can either file a reimbursement claim or a cashless claim. Here’s how you can file a claim in both ways:

How to File a Reimbursement Claim?

You need to file a reimbursement claim when you have received treatment from a hospital not included in Tata AIG’s network of hospitals. In this case, you have to bear the costs of medical bills and file a claim by following the below-discussed procedure:**

Step 1: Fill in the reimbursement claim form available in the “Claims'' section on Tata AIG’s website. Upload the following documents:

• Copy of your health insurance policy or insurance card

• Medical certificate signed by a registered medical practitioner

• Necessary pathological reports

• Copy of the discharge card from the hospital

• Original bills and receipts from the hospital

• Claim form with your signature

• Original bills of the pharmacy

• Investigation report if applicable

• Copy of First Information Report (FIR) if raising an accidental claim

• NEFT details

• Duly filled CKYC form in case of claim amount exceeding ₹1 lakh

Step 2: After receiving your claim form and documents, Tata AIG will verify both and reimburse you for the costs incurred

How to File a Cashless Claim?

A cashless claim for health insurance comes into play when you have received treatment at a Tata AIG network hospital. Follow the Steps mentioned below to raise a cashless claim:

Step 1: Send your cashless claim form via email at least 48 hours before scheduled treatment at Tata AIG’s network hospital. In case of an emergency, send the cashless claim form within 24 hours of being hospitalised and submit the following documents:

• Insurance card

• Copy of health insurance plan

• Photo identification proof

• Proof of address

• Duly filled CKYC form if the claim amount is more than INR 1 lakh

Step 2: After receiving and verifying your cashless claim form, Tata AIG will forward a confirmation letter to you and communicate with the hospital regarding your claim. Submit the confirmation letter and your health card upon arriving at the network hospital. In case of emergency admission, Tata AIG will issue an authorisation letter to the hospital after receiving your claim form and settle the bills directly

Step 4: All you need is to rest now. Tata AIG will take care of your medical bills

Previously, you could avail of cashless treatments only at the network hospitals of your health insurance provider. However, to make things more seamless, the “Cashless Everywhere” initiative has been launched by the General Insurance Council (GIC).

Now, you can avail of cashless treatment in any hospital, even if it does not come under the network hospitals of the insurer.

So, according to the new regulations by the Insurance Regulatory and Development Authority of India (IRDAI), you can claim cashless treatment at any hospital in the state if you have Tata AIG health insurance in Manipur.