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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

Covers 30 or 15 critical illnesses as per plan.

Access to online Wellness Programs

Lump sum and staggered payout options

UIN: IRDA/NL-HLT/CTTK/P-H/V.I/5/14-15
Launch Date: 25-08-2014

Various Plans

ManipalCigna Lifestyle Protection Critical Care has been designed keeping your needs in mind.

Critical Care - Basic Plan

A vital protection for your financial health against 15 life-changing critical illnesses

Waiting Period

90 days

Sum Insured

1 Lac - 25 Crore

Sum Insured

10 Lacs

1 Lac

25 Crore

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 Specific Severity
  • 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 Neurone Disease with Permanent Symptoms
  • Multiple Sclerosis with Persisting Symptoms
  • Primary Pulmonary Hypertension
  • Aorta Graft Surgery
  • Loss of Hearing
  • 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



    Disclaimer: This is only an indicative list of exclusions. For more details refer policy terms and conditions.
Optional Covers

You have the option to choose between the Basic and Enhanced Plans.

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.

Critical Care - Enhanced Plan

vital protection for your financial health against 30 life-changing critical illnesses.

Waiting Period

90 days

Sum Insured

1 Lac - 25 Crore

Sum Insured

10 Lacs

1 Lac

25 Crore

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 Specific Severity
  • 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 Neurone Disease with Permanent Symptoms
  • Multiple Sclerosis with Persisting Symptoms
  • Primary Pulmonary Hypertension
  • Aorta Graft Surgery
  • Loss of Hearing
  • Loss of Sight
  • Coronary Artery Disease
  • Aplastic Anaemia
  • End Stage Lung Disease
  • End Stage Liver Failure
  • Major 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.



    Disclaimer: This is only an indicative list of exclusions. For more details refer policy terms and conditions.
Optional Covers

You have the option to choose between the Basic and Enhanced Plans.

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.

Critical Care Basic

A vital protection for your financial health against 15 life-changing critical illnesses

Waiting Period

90 days

Sum Insured

1 Lac - 25 Crore

Sum Insured

10 Lacs

1 Lac

25 Crore

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 Specific Severity
  • 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 Neurone Disease with Permanent Symptoms
  • Multiple Sclerosis with Persisting Symptoms
  • Primary Pulmonary Hypertension
  • Aorta Graft Surgery
  • Loss of Hearing
  • 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



    Disclaimer: This is only an indicative list of exclusions. For more details refer policy terms and conditions.
Optional Covers

You have the option to choose between the Basic and Enhanced Plans.

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.

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Other plans under Lifestyle Protection Critical Care

Critical Care Enhanced

Sum insured

1Lac - ₹ 25Crore

Base premium

 3,776*/annum

Covers 30 major illnesses and procedures

Lump sum or staggered payout options

Access to online wellness programs

Get benefit upon diagnosis anywhere in the world

Plan Comparison

PLAN NAME Basic Plan Enhanced Plan
Cancer of Specific Severity Yes Yes
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 Neurone Disease with Permanent Symptoms Yes Yes
Multiple Sclerosis with Persisting Symptoms Yes Yes
Primary Pulmonary Hypertension Yes Yes
Aorta Graft Surgery Yes Yes
Loss of Hearing Yes Yes
Loss of Sight Yes Yes
Coronary Artery Disease No Yes
Aplastic Anaemia No Yes
End Stage Lung Disease No Yes
End Stage Liver Failure No Yes
Major 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
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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.

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