The 4 Things to Invest in Year 2022

Good sleep, nutrition and daily exercise are necessary. But one of the practical ways to take care of yourself is to start investing in health plans. The ones offered by ManipalCigna is linked to 27 patient-friendly hospitals and service over 4 million patients. It offers reward programs, health check-ups and lifestyle coaching. Here’s a look at the top products that are worth an investment and offer a cushion for a better tomorrow.?

Critical Illness Insurance?
Critical times require access to premium medical care. It helps you and your loved ones meet unique needs without worrying about your finances right away. So, consider critical illness insurance that covers 15 critical diseases like cancer, myocardial infarction, open chest CABG, major organ transplant, motor neuron disease, deafness, and loss of sight.?

ManipalCigna covers additional ailments like loss of speech, third-degree burns, and coronary artery diseases. You will get the entire sum insured on the first diagnosis and 10% extra if you pick the staggered claim. Premiums can be paid on a monthly, quarterly half-yearly and yearly basis. Check the eligibility, grace period, and claim to pay out options beforehand.?

Health Insurance
ManipalCigna insurance will satisfy sudden medical needs regardless of the life stage. The policyholder will receive cashless treatment at 6500+ hospitals. A cumulative bonus of up to 200% of the sum insured is guaranteed. The product is extremely affordable due to tax saving options under Section 80D of the IT Act. The right health insurance plan will be best suited for individuals, multi-individuals and families and ensures cover for advanced treatments too. Take your pick from different products that would fit your needs the best. Try to customize as per changing needs. The company offers a reassurance option for a premium waiver.

?Hospitalization Cover?
This funds both planned and emergency hospital stays along with associated costs like surgeries, accommodation and expert opinion on critical ailments. This is one of the most useful investments in 2022 to ensure high-end COVID care. Costs can either be reimbursed or covered as cashless hospitalizations. The plan is best suited for individuals, families and multi-individuals. Get tax deductions, loyalty discounts on premiums from 4th policy year onward and coverage across the globe for major illnesses including cancer.?

Health care workers can receive discounts and sum insured starting from ?1 lac. ?Ambulance charges, domiciliary treatment and health check-ups are covered with ManipalCigna. More than 500 day-care procedures are included as well. But HIV/AIDS and similar complications will not be covered.?

Personal Accident Cover
Death and serious injuries give rise to unexpected expenses. You can claim cover for broken bones, coma, and burns. This eliminates the need to pay out-of-pocket medical expenses. It is a good idea to pick an accident policy to secure your finances. You can receive protection for a dependent child (orphan benefit), choose coverage for hospitalisation and cover job loss with a lump sum payout option. The beneficiaries will receive 100% sum insured if the insured is deceased or meets with a permanent disability. But the amount will depend on the type of plan and the severity of the event. A long-term discount of 7.5% and 10% is available.
Investing in health products increase your spending power. Several discounts, cancellation provisions and tax benefits make them all the more lucrative in 2022 and beyond.?
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