A vital protection for your financial health against life-changing critical illnesses that offers you the entire payment of sum insured on first diagnosis of listed illness.
Sum Insured: ₹ 1 Lac - ₹ 25 Crore
A vital protection for your financial health against life-changing critical illnesses that offers you the entire payment of sum insured on first diagnosis of listed illness.
Best suited for
Individual
Family
Key Benefits
Launch Date: 30-10-2020
Various Plans
ManipalCigna Lifestyle Protection Critical Illness Insurance Plan
has been designed keeping your needs in mind.Sum insured (SI)
1Lac - ₹ 25Crore
Base premium
2,915*/annum
Sum insured (SI)
1Lac - ₹ 25Crore
Base premium
3,776*/annum
Critical Care - Basic Plan
A vital protection for your financial health against 15 life-changing critical illnesses
Waiting Period
90 days
Sum Insured
1Lac - 25 Crore
Sum Insured
10 Lacs
PREMIUM PER ANNUM
2,915* inclusive of taxes
*The Premium value is indicative for the below mentioned profile Gender – Male, Age – 30, No. of adults - 1, Earning member, Tenure- 1 year, Non Smoking
Proposal may be subject to underwriting review
Provides lump sum payment of Sum Insured to an insured person upon diagnosis of any of the listed 15 critical illnesses. You also get benefit of additional 10% of Sum Insured in case you opt for Staggered claim payment.
A wide range of Sum Insured from ₹ 1 Lac - ₹ 25 Crore (in multiple of 1000) to suit your requirements
Get protected up to 10 times of your gainful annual income
Cover for medical second opinion
The individual plan covers you and offers family discount of 10% for covering more than 2 family members under the same plan
Annual premium installments for 2 and 3 years policy
Discount of 7.5% and 10% on selecting a 2 and 3 year single premium policy respectively
Access to online wellness programs
Income tax benefits up to ₹ 100000 under Sec 80D, IT Act
What’s covered
- Cancer of Specified Severity
- Myocardial Infarction (First Heart Attack – of Specific Severity)
- Open Chest CABG
- Open Heart Replacement or Repair of Heart Valves
- Coma of Specified Severity
- Kidney Failure Requiring Regular Dialysis
- Stroke Resulting in Permanent Symptoms
- Major Organ / Bone Marrow Transplant
- Permanent Paralysis of Limbs
- Motor Neuron Disease with Permanent Symptoms
- Multiple Sclerosis with Persisting Symptoms
- Primary (Idiopathic) Pulmonary Hypertension
- Aorta Graft Surgery
- Deafness
- Loss of Sight
What’s not covered
- Any illness other than specified critical illnesses
- Any pre-existing diseases
- Nuclear radiation or contamination
- Foreign Invasion
- Drug abuse
- Working in underground mines, tunneling etc
Above List is only indicative and not exhaustive. For complete details on Eligibility, Coverages, Benefits, Terms, Condition and Exclusions please refer Policy Wordings and Prospectus
Optional Covers
There are no Add-ons or Optional covers available in this product.
Riders
ManipalCigna Health 360 - OPD
Now avail the power of cashless OPD rider with 3 flexible package options.
Package 1 – Coverage for only consultation
Package 2 – Coverage for consultation and prescribed diagnostics
Package 3 – Coverage for consultation with prescribed diagnostics and pharmacy
Min Entry Age
18 years
Cover Type
Individual and family basis
Max Entry Age
65 years
Policy Period
1, 2 and 3 years
(Discount of 7.5% for 2 years and 10 % for 3 years policy term with single premium payment mode)
Relationships Covered
Self, Spouse, Dependent Children, Dependent - Parents, In-laws, Brothers, Sisters, Grandchildren.
Premium Payment Mode
Single, Annual, Half yearly, Quarterly, Monthly
Critical Care - Enhanced Plan
vital protection for your financial health against 30 life-changing critical illnesses.
Waiting Period
90 days
Sum Insured
1Lac - 25 Crore
Sum Insured
10 Lacs
PREMIUM PER ANNUM
3,776* inclusive of taxes
*The Premium value is indicative for the below mentioned profile Gender – Male, Age – 30, No. of adults - 1, Earning member, Tenure- 1 year, Non Smoking
Proposal may be subject to underwriting review
Provides lump sum payment of Sum Insured to an insured person upon diagnosis of any of the listed 30 critical illnesses. You also get benefit of additional 10% of Sum Insured in case you opt for Staggered claim payment
A wide range of Sum Insured from 1Lac - 25Cr (in multiple of 1000) to suit your requirements
Get protected up to 10 times of your gainful annual income
Cover for medical second opinion
The individual plan covers you and offers family discount of 10% for covering more than 2 family members under the same plan
Annual premium installments for 2 and 3 years policy
Discount of 7.5% and 10% on selecting a 2 and 3 year single premium policy respectively
Access to online wellness programs
Income tax benefits up to INR 100000 under Sec 80D, IT Act
What’s covered
- Cancer of Specified Severity
- Myocardial Infarction (First Heart Attack – of Specific Severity)
- Open Chest CABG
- Open Heart Replacement or Repair of Heart Valves
- Coma of Specified Severity
- Kidney Failure Requiring Regular Dialysis
- Stroke Resulting in Permanent Symptoms
- Major Organ / Bone Marrow Transplant
- Permanent Paralysis of Limbs
- Motor Neuron Disease with Permanent Symptoms
- Multiple Sclerosis with Persisting Symptoms
- Primary (Idiopathic) Pulmonary Hypertension
- Aorta Graft Surgery
- Deafness
- Loss of Sight
- Coronary Artery Disease
- Aplastic Anaemia
- End Stage Lung Failure
- End Stage Liver Failure
- Third Degree Burns
- Fulminant Hepatitis
- Alzheimer’s Disease
- Bacterial Meningitis
- Benign Brain Tumor
- Apallic Syndrome
- Parkinson’s Disease
- Medullary Cystic Disease
- Muscular Dystrophy
- Loss of Speech
- Systemic Lupus Erythematous
What’s not covered
- Any illness other than specified critical illnesses
- Any pre-existing diseases
- Nuclear radiation or contamination
- Foreign Invasion
- Drug abuse
- Working in underground mines, tunneling etc.
Above List is only indicative and not exhaustive. For complete details on Eligibility, Coverages, Benefits, Terms, Condition and Exclusions please refer Policy Wordings and Prospectus
Optional Covers
There are no Add-ons or Optional covers available in this product.
Riders
ManipalCigna Health 360 - OPD
Now avail the power of cashless OPD rider with 3 flexible package options.
Package 1 – Coverage for only consultation
Package 2 – Coverage for consultation and prescribed diagnostics
Package 3 – Coverage for consultation with prescribed diagnostics and pharmacy
Min Entry Age
18 years
Cover Type
Individual and family basis
Max Entry Age
65 years
Policy Period
1, 2 and 3 years
(Discount of 7.5% for 2 years and 10 % for 3 years policy term with single premium payment mode)
Relationships Covered
Self, Spouse, Dependent Children, Dependent - Parents, In-laws, Brothers, Sisters, Grandchildren.
Premium Payment Mode
Single, Annual, Half yearly, Quarterly, Monthly
Plan Comparison
| PLAN NAME | Basic Plan | Enhanced Plan |
|---|---|---|
| Cancer of Specified Severity | Yes | Yes |
| Myocardial Infarction (First Heart Attack – of Specific Severity) | Yes | Yes |
| Open Chest CABG | Yes | Yes |
| Open Heart Replacement or Repair of Heart Valves | Yes | Yes |
| Coma of Specified Severity | Yes | Yes |
| Kidney Failure Requiring Regular Dialysis | Yes | Yes |
| Stroke Resulting in Permanent Symptoms | Yes | Yes |
| Major Organ / Bone Marrow Transplant | Yes | Yes |
| Permanent Paralysis of Limbs | Yes | Yes |
| Motor Neuron Disease with Permanent Symptoms | Yes | Yes |
| Multiple Sclerosis with Persisting Symptoms | Yes | Yes |
| Primary (Idiopathic) Pulmonary Hypertension | Yes | Yes |
| Aorta Graft Surgery | Yes | Yes |
| Deafness | Yes | Yes |
| Loss of Sight | Yes | Yes |
| Coronary Artery Disease | No | Yes |
| Aplastic Anaemia | No | Yes |
| End Stage Lung Failure | No | Yes |
| End Stage Liver Failure | No | Yes |
| Third Degree Burns | No | Yes |
| Fulminant Hepatitis | No | Yes |
| Alzheimer’s Disease | No | Yes |
| Bacterial Meningitis | No | Yes |
| Benign Brain Tumor | No | Yes |
| Apallic Syndrome | No | Yes |
| Parkinsons Disease | No | Yes |
| Medullary Cystic Disease | No | Yes |
| Muscular Dystrophy | No | Yes |
| Loss of Speech | No | Yes |
| Systemic Lupus Erythematous | No | Yes |
Got Questions?
What are the details to be provided at the time of intimation of claim?
The following details are to be provided to the company’s at the tine of intimation of Claim: Policy number, Name of policy, Name of the insured person in whose relation the Claim is being lodged. Nature of illness / injury. Name and address of the attending Medical Practitioner and hospital. Date of Admission and any other information as requested by Us.
ManipalCigna Lifestyle Protection Critical Care – Critical Illness Insurance Policy
About ManipalCigna Lifestyle Protection - Critical Care Policy
ManipalCigna Lifestyle Protection - Critical Care Policy is a critical illness insurance policy. A critical illness policy pays you an amount equal to the sum insured upon first diagnosis of a critical illness covered under the policy. One of the features of such a policy is the lump sum or staggered payout options you can avail on detection of a critical illness.
ManipalCigna Lifestyle Protection Critical Care Policy is a global critical illness policy that assures financial support during critical times. The critical illness policy pays you the entire Sum Insured on first diagnosis of the 15 or 30 major illnesses and procedures listed in the policy. It ensures that you get access to premium health care in the time of need. Along with the policy, you also get the benefit of getting a medical second opinion. Also, you get access to online wellness programs.
ManipalCigna Lifestyle Protection - Critical Care Policy is available for you under two policy options:
- Basic policy that covers 15 Critical Illnesses
- Enhanced policy that covers 30 Critical Illnesses
Why Do You Need a ManipalCigna Lifestyle Protection - Critical Care Policy?
The ManipalCigna Lifestyle Protection- Critical Care policy not only guarantees financial support in critical times but also offers you access to a strong network of hospitals. Also, it brings to you the best-in-class health care and services.
Features of ManipalCigna Lifestyle Protection - Critical Care Policy
- The critical illness policy qualifies you for Income Tax Benefit under Section 80D of Income Tax Act, India 1961.
The policy offers a free-look period of 15 days during which you can cancel the policy.
Claim Payout Options
- Lump Sum Payout: Under Lump Sum Payout, the complete Sum Insured is paid upon diagnosis of any of the covered critical illnesses.
- Staggered Payout: On diagnosis of a critical illness, 25% of the Sum Insured is paid as a lump sum. And the balance 75% plus the additional 10% of Sum Insured is paid in 60 equated monthly instalments. You may even opt for a lump sum payout at the time of claim settlement in this option.
Access To Online Wellness Programs
Place your health concerns in the hands of the experts with our online wellness programs. Benefit from the customized health and wellness programs offered by ManipalCigna. The programs like Health Risk Assessment, Lifestyle Management, Nutrition and Access to Health Articles are available on our website.
ManipalCigna Lifestyle Protection Critical Care FAQs
Q.1) What is Critical Illness (CI) Insurance?
Critical Illness insurance is a policy that pays an amount equal to the sum insured upon first diagnosis of a critical illness covered under the policy.
Q.2) Why should I choose ManipalCigna Lifestyle Protection - Critical Care policy?
ManipalCigna Lifestyle Protection- Critical Care policy not only assures you financial support in critical times but also gives you access to a worldwide network of hospitals. Moreover, it brings you the best-in class medical care and services.
This policy is brought to you by ManipalCigna Health insurance, ManipalCigna Health insurance is a joint venture between Manipal Group, an eminent player in the field of healthcare delivery and higher education in India and Cigna Corporation, a global health services company with over 200 years of experience.
Q.3) What are the Key Benefits of ManipalCigna Lifestyle Protection Critical Care Policy?
The Key Benefits under this policy includes:
A. Critical Illness Cover for 15 or 30 illnesses as per policy
B. Medical Second Opinion
C. Access to Online Wellness Program
Q.4) Does ManipalCigna Lifestyle Protection-Critical Care policy have any Death benefit?
On first diagnosis of the covered critical illness, we will make payment upto the sum insured under the policy provided the waiting periods are met. There is no specific benefit as “Death Benefit” under the policy.
Q.5) Why to buy Critical Illness insurance if I have a Health Insurance cover?
A basic health insurance policy generally pays hospitalization bills. But will a health insurance be enough if you are diagnosed of a critical illness. To help you tide over such medical exigencies, there are critical illness insurance plans that you should consider. Known as defined benefit plans, these pay you lump sum so that you can pay for the incidents. In that sense these work as income supplements.
Some health insurance plans come bundled with critical illness (as rider or add-on), but a standalone critical illness plan is more comprehensive both in terms of illnesses covered and the amount of cover it offers.
Q.6) How the premium will be determined for the Critical Care policy?
The premium will depend on the plan, sum insured, policy tenure, age on last birthday and gender of the insured person. Also the health status of the individual will be considered.
Q.7) Can I port my existing Health Policy to buy this plan?
You can port your existing health insurance (Critical Illness) policy to ManipalCigna Lifestyle Protection Critical Care policy provided you are covered under an Indian Health Retail policy from a Non-life insurance company.
Q.8) How can I buy ManipalCigna Lifestyle Protection Critical Care policy?
Before you buy this policy, please acquaint yourself with the product brochure, policy benefits, exclusions and premium details and discuss with our advisor/company representatives.
Once you have understood the policy details, fill up the proposal form and provide all the required details correctly.
Submit the proposal form along with the premium and any other documents (if necessary) You may be required to undergo medicals as per sum insured and age band chosen.
Based on the above details we will process your proposal and inform you about the decision.
*In case we are unable to accept your proposal, we will inform you and refund any premium collected.
Q.9) Can I make multiple claims for same or any other listed Critical illnesses?
No, once a claim for a particular Critical Illness has been admitted and paid, the coverage under the Policy will automatically terminate for that Insured person. If the Policy is issued to more than one individual, it will continue to be in force for the remaining members.