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Know Cigna !

Cigna Healthcare is here to address your doubts about health insurance , helping you understand the terms and details, so you can select the most suitable health insurance plan for yourself and your loved ones.

Cigna Healthcare is here to address your doubts about health insurance , helping you understand the terms and details, so you can select the most suitable health insurance plan for yourself and your loved ones.

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  • Before Enrollment

  • After Enrollment

Are you clear on the terms before you enroll? It's essential to know!
Explore the key information you need before enrollment and scroll down for additional insights.
The more you know, the better you can protect yourself!

Health Insurance Learning Hub

  • After Enrollment

    What Does "Medically Necessary" and "Reasonable and Customary" Mean for Claims?

  • After Enrollment

    Medical Inflation and Premium Adjustments: What’s the Link?

  • After Enrollment

    How to Apply Cashless Medical Services

Health Insurance Knowledge Hub

Before Enrollment

Care Manager handles your emotions and tasks—get to know it!

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How to use Care Manager effectively?

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Before Enrollment

Leave the hospital with ease—just wave and go! Get to know it!

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How to get cashless medical services?

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Health Insurance Learning Hub

  • Before Enrollment

    Why Buy Health Insurance Early? Impact of Pre-existing Conditions

  • Before Enrollment

    Types of Health Insurance: How to Choose the Right One

  • Before Enrollment

    Consequences of Incomplete Health Declarations: What is "Utmost Good Faith"?

  • Before Enrollment

    Why Does Health Insurance Impose Additional Premiums (Loading)

  • Before Enrollment

    Understanding "Pre-existing Conditions" and Policy Exclusions

  • Before Enrollment

    Cooling-Off Period vs. Waiting Period: What's the Difference

  • Before Enrollment

    What is a Deductible and How is it Calculated?

Health Insurance Knowledge Hub

Before Enrollment

Want full claims? Be honest in health declarations!

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Buying insurance but not getting covered?

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Before Enrollment

Know your health insurance terms!

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What are unknown pre-existing conditions?

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What else should you know before and after enrollment?
Let us break it down for you one by one.

Q&A

  • What is health insurance?

    • I. It is a risk transfer tool that mainly provides coverage for reasonable medical expenses incurred due to illness or injury. Generally, claims are reimbursed based on actual expenses.

      Correct!

    • II. It is an investment tool that can yield high returns.

      Incorrect!

    • III. It is a social welfare program provided by the government.

      Incorrect!

    Explanation: Health insurance is designed to provide financial protection against unexpected illnesses or accidents, thereby alleviating the burden of medical costs.

  • What are the benefits of purchasing health insurance?

    • I. It allows you to access free medical services provided by the government.

      Incorrect!

    • II. It enables the insurance company to share the insured's medical expenses, thereby providing more options for medications or treatments.

      Correct!

    • III. It guarantees high investment returns.

      Incorrect!

    Explanation:Health insurance helps policyholders manage the substantial medical costs associated with accidents and illnesses.

  • What is the waiting period for health insurance?

    • I. The time between applying for insurance and the policy's effective date.

      Incorrect!

    • II. The period after signing the policy during which coverage does not take effect.

      Correct!

    • III. The period during which you can cancel your insurance after applying.

      Incorrect!

    Explanation:The waiting period refers to the duration after purchasing insurance during which certain illnesses or accidents require a waiting time before claims can be made.

  • What is the cooling-off period for health insurance?

    • I. The period during which you can cancel your insurance with family.

      Incorrect!

    • II. The period during which you can cancel your insurance unconditionally.

      Correct!

    • III. The period during which you must wait to cancel your insurance.

      Incorrect!

    Explanation:The period during which you can cancel your insurance unconditionally.

  • How do you choose a suitable health insurance plan?

    • I. Choose the cheapest plan.

      Incorrect!

    • II. Choose the plan with the broadest coverage.

      Incorrect!

    • III. Choose a plan that fits your needs and financial capacity.

      Correct!

    Explanation:Choose a plan that fits your needs and financial capacity.

  • What is a deductible?

    • I. A service fee charged by the insurance company.

      Incorrect!

    • II. A portion of medical expenses that the insured must pay out of pocket.

      Correct!

    • III. The maximum amount that the insurance company will reimburse.

      Incorrect!

    Explanation:A portion of medical expenses that the insured must pay out of pocket.

  • Do you need to declare your health history when enrolling in health insurance?

    • I. No, because the insurance company will conduct its own investigation.

      Incorrect!

    • II. Yes, because misrepresentation may lead to claim denial or policy cancellation.

      Correct!

    • III. You can choose whether to declare, as it is not important.

      Incorrect!

    Explanation:When purchasing health insurance, it is essential to accurately declare your health history; failure to do so may result in denied claims.

  • What health conditions need to be declared when applying for insurance?*

    • I. Declare all health conditions based on the insurance company's underwriting questions.

      Correct!

    • II. Only declare major illnesses.

      Incorrect!

    • III. Do not declare any health conditions.

      Incorrect!

    Explanation:Declare all health conditions based on the insurance company's underwriting questions.

  • How can you avoid claim denials with health insurance?

    • I. Do not declare health history when purchasing.

      Incorrect!

    • II. Accurately declare your health history when purchasing and keep relevant medical documents.

      Correct!

    • III. Avoid becoming ill or having accidents after purchasing.

      Incorrect!

    Explanation:Accurately declare health history when purchasing and keep relevant medical documents.

  • Which of the following is not a method for calculating health insurance claim amounts?

    • I. Determined arbitrarily by the insurance company.

      Correct!

    • II. Calculated based on policy terms and reasonable and customary costs.

      Incorrect!

    • III. Calculated based on the insured's actual medical expenses.

      Incorrect!

    Explanation:Claim amounts in health insurance are based on the insured's actual medical expenses and the terms outlined in the policy, including coverage limits, reimbursement percentages, and reasonable and customary charges.

Know Health, Know Cigna !

Insurance knowledge is essential both before and after enrollment. Explore everything you need to know so you can become an insurance expert —it’s easier than you think!

  • All

  • Before Enrollment

  • After Enrollment

Before Enrollment

How long is the waiting period for health insurance?

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Before Enrollment

What is Unknown pre-existing conditions

Know More
Before Enrollment

Must you report your health history accurately?

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Before Enrollment

Should you buy health insurance early?

Know More
Before Enrollment

Buying insurance but not getting covered?

Know More
Know More
Before Enrollment

How is the cooling-off period counted?

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Know More
Before Enrollment

Who needs a policy with a deductible?

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After Enrollment

What are medical necessities?

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After Enrollment

How does medical inflation affect premiums?

Know More
After Enrollment

How to get cashless medical services?

Know More
After Enrollment

How to use Care Manager effectively?

Know More

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