5 healthcare challenges that can be resolved with the help of a health insurance

Updated: Apr 24, 2019

The environment we live in today, accompanied by the pressures of daily life, poses threat to our health. We live in constant worry of illness and accidents, and not many of us are equipped to deal with emergency situations. And the most pressing worry of all is a financial crisis amidst a health crisis.

This is where we can leverage the advantage of health insurance. The following are five ways in which we can procure health insurance benefits and gradually overcome healthcare challenges:

1. Hospitalisation charges

The health problems that come with old age do not consider the fact that income goes down with age. Emergency situations arise without asking and giving us enough time to arrange the money. In such cases, the advantage of health insurance is that it allows you to go without paying medical expenses at the hospitals. The expenses are covered by the insurance company whose policy you availed.

2. Convalescence expenses

Aside from the hospitalization charges, there are daily expenses that are incurred while in hospital, after treatment, and during the recovery stage. Some health insurance plans provide convalescence benefits that pay a fixed amount of money depending on the number of days spent at the hospital (after a certain point).

3. Tax and savings

If you’re worried that your hard-earned savings will have to be redirected for a totally unforeseen purpose, your health insurance will cover that for you. You can also sign up for tax benefits by paying a certain amount as a part of the insurance policy.

4. Life-threatening illnesses

Interminable illnesses such as cancer, kidney failure, paralysis etc. are paid for by a pre-defined health insurance benefit that ensures a lump sum payment which is not dependent on the amount of money actually spent on treatment. This money can be used for treatment, therapy, rehabilitation, lifestyle modifications, etc.

5. Other healthcare expenses

It does not take an emergency situation or hospitalization to stress your wallet. Even simple things like health check-ups, consultation with doctors and nutritionists, diagnostic procedures, etc. cost a lot. Some health insurance plans provide benefits that cover these expenses, which are otherwise not usually associated with health insurance policies.

Paying a small amount of money on a regular basis can save the day when you most need it. Taking health insurance allows you to take your mind off financial worries and lets you focus on what’s more important: mental strength, recovery, and self-care. With affordable EMI, speedy claims and easy returns – all online – ManipalCigna Health Insurance is making healthcare issues less challenging and more convenient for all those who choose to take shelter under its plans.


ManipalCigna Health Insurance Company Ltd (Formerly known as CignaTTK Health Insurance Company Limited) | CIN U66000MH2012PLC227948 | IRDAI Reg. No. 151 
Reg. Office: 401/402, 4th Floor, Raheja Titanium, off. Western Express Highway, Goregaon (East), Mumbai- 400 063 | Toll free number – 1800-102-4462 | Website address –
Trade Name / Trade Logo belongs to MEMG International India Private Limited and Cigna Intellectual Property Inc. and is being used by ManipalCigna Health Insurance Company Limited under license. For more details on risk factors, terms and conditions, please read the sales brochure/ sales document available on our website (Download section) before concluding a sale.

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