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 Care
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
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
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
Benefits
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
Add Ons and Options
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
Eligibility
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
Other plans under Lifestyle Protection Critical Care
Sum insured
₹
Base premium
3,776*/annum
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.
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