Business & Investment

Comprehensive Health Covers Needs: Priya Deshmukh Gilbile, Chief Operating Officer, Manipal Cigna Health Insurance

ManipalCigna Health Insurance, Chief Operating Officer, Priya Deshmukh Gilbile

People are actively trying to expand their coverage. Comprehensive health insurance is required, and there is also a loss of EMI and payroll. This is part of the emergency health coverage that can occur as you move forward. Manipal Cigna Health Insurance in an interview with Saikat Neogi. Excerpt:

With the Covid-19 pandemic, are people considering more and more comprehensive health insurance plans?
Against the backdrop of Covid-19, the priorities have changed completely as consumers become more interested in unemployment, depression, financial stability, health and well-being. Over the past few months, there has been increasing awareness among consumers about purchasing health insurance policies. Health insurance is a life insurance product, and consumers’ thinking is changing. Health occupies a major position in the hierarchy of desires. People are actively trying to expand their coverage. Comprehensive health insurance is required, and there is also a loss of EMI and payroll. These are some of the health emergency compensations that may occur as we move forward. Family floaters were great at the time, but in today’s environment, comprehensive personal insurance with higher premiums and super top-ups is more appropriate.

Do you prefer to buy health insurance online? How can I buy the right product online?
Pandemics are bringing digital acceleration, and social distance is adapting customers to online purchases and services. Agents and other distribution teams also employ digital marketing, sales and service methods. This provided an opportunity to change the business model from the traditional face-to-face model to the physical model. More informed customers are expected to buy online, and co-creative product customization with smooth customer onboarding and service helps drive penetration. ..

Before purchasing the right insurance product, it is important to assess the size of coverage required and select a plan that takes into account coverage, non-coverage, exclusions, specific waiting periods, and PED conditions. In addition, look for inflation-adjusted insurance amounts, illness-specific sublimits, room rent and ICU sublimits, recovery benefits, and ease of billing process (cashless and reimbursement). And finally, there are additional benefits such as cumulative bonus boosters and rewards for a healthy lifestyle.

What kind of innovation does health insurance need?
We need to rethink health insurance to make it appropriate and sustainable for our customers. You also need to ensure that you continue to promote affordability, predictability, and simplicity of health insurance by focusing on: Affordable — Value-based, affordable, not necessarily price-based. Make Predictable — Remove surprises from your system when billing, digitize billing for greater transparency, and enable people to make informed healthcare choices. And finally, it makes it easy for people to get the quality healthcare they need, makes the product easier to understand, and comprehensively adapts to the evolving needs of their customers.

How does the WeCare Infectious Disease Control Program help policyholders?
In line with our commitment to do more for our customers during periods of illness and health, we have launched a comprehensive infectious disease management program, We Care. The main purpose is to protect your health from common infections and to give you access to the best knowledge series for your health regarding the preparation and fighting of many infections. Based on expert advice, there is a 24/7 doctor helpline for infectious diseases such as fever, flu and diarrhea. In addition, we will perform detailed remote follow-ups on a regular basis to check the patient’s condition, provide advice, and assist in hospitalization as needed to better understand your health.

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Comprehensive Health Covers Needs: Priya Deshmukh Gilbile, Chief Operating Officer, Manipal Cigna Health Insurance

https://www.financialexpress.com/money/insurance/comprehensive-health-cover-a-necessity-priya-deshmukh-gilbile-chief-operating-officer-manipalcigna-health-insurance/2158380/ Comprehensive Health Covers Needs: Priya Deshmukh Gilbile, Chief Operating Officer, Manipal Cigna Health Insurance

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