Document Overlap
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First documentWhat Is Health Insurance & Why It is Important | ManipalCigna BlogOpen original ↗
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Second documentHealth Insurance Plans: Buy Online @ ₹15.12/Day* | ManipalCignaOpen original ↗
Low overlap
Top paragraph overlap
81.7%Page comparison
Paragraph matches
Strongest non-zero match for each paragraph.
First paragraph28 words
What is health insurance in simple words?
Health insurance is a financial product that helps cover eligible medical expenses, such as hospitalisation, surgeries, and certain treatments, according to the terms and conditions of the policy.
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Second paragraph65 words
What is Health Insurance?
Health insurance is a financial contract between you and an insurance company in which the insurer pays for your medical and hospitalisation expenses, up to the sum insured, in exchange for a premium you pay every year. The insurer either settles the bill directly with a network hospital (cashless) or reimburses you after treatment. Coverage, waiting periods and exclusions are defined in your policy wording.
First paragraph26 words
4. Claims Process
There are two types of claims: Cashless claim: You get admitted to a network hospital, share your health card, and the insurer pays your bills directly.
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Second paragraph43 words
Cashless Claim vs Reimbursement Claim
In a cashless claim, you are treated at a network hospital and the insurer settles eligible costs directly with the hospital. In a reimbursement claim, you pay the hospital yourself and then submit documents to recover the eligible amount, subject to policy terms.
First paragraph29 words
1. Premium
The premium is the amount you pay to keep the policy active. It can be paid yearly, monthly, or quarterly. The premium is determined by several factors, such as:
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Second paragraph36 words
Premium
The premium is the amount you pay to buy and keep your health insurance active, usually each year. In exchange for this regular payment, the insurer agrees to cover eligible medical expenses as per the policy.
First paragraph39 words
Premium and Coverage Details Explained
The premium is the amount you pay to keep your health insurance policy active. It is calculated based on several factors, including your age, medical history, lifestyle habits, city of residence, chosen sum insured, and optional add-on covers.
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Second paragraph36 words
Premium
The premium is the amount you pay to buy and keep your health insurance active, usually each year. In exchange for this regular payment, the insurer agrees to cover eligible medical expenses as per the policy.
First paragraph67 words
Core Coverage and Additional Benefits
Most health insurance policies cover hospitalisation expenses, day care procedures, pre- and post-hospitalisation costs, and ambulance charges, depending on the policy terms. Many plans also offer optional benefits such as critical illness cover, maternity benefits, wellness programmes, annual health check-ups, and restoration of the sum insured. Understanding both the standard coverage and optional add-ons helps you choose a policy that matches your healthcare requirements.
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Second paragraph45 words
Inclusions: What Health Insurance Typically Covers
Health insurance typically covers in-patient hospitalisation, day-care procedures, pre and post hospitalisation expenses, and a range of related medical costs, with many plans extending to AYUSH treatment, domiciliary care, health check-ups, and more, all subject to the sum insured and policy terms.
First paragraph46 words
Exploring Family Floater Plans
A family floater plan covers multiple family members under a single sum insured. It is commonly chosen by young families because it offers comprehensive protection while simplifying policy management. However, the shared sum insured should be sufficient to meet the healthcare needs of all covered members.
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Second paragraph48 words
What is a family health insurance plan?
A family health insurance plan, often a family floater, covers your whole family under a single policy and one shared sum insured that any insured member can use as needed. It is usually a convenient and cost-effective way to protect a family together, subject to policy terms.