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Max. 8 Adults ; Minimum Age at entry under this Policy is 18 years and Maximum Age at entry is 65 yearsOKAY, GOT IT  

Dependent child Min.
Age at entry is 18 years up to 25 years & is unmarriedOKAY, GOT IT  
Earning Member - As per the Sum Insured opted
Non-earning Spouse - 60% of Sum Insured of Earning Member
Dependent Children - 30% of the Sum Insured of Earning Member
Dependent Parents/Parent-in-Laws or Dependent Siblings - 30% of the Sum Insured of Earning Member
OKAY, GOT IT  


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A regular health insurance policy has a Sum Insured limit, beyond which it does not cover any medical expenses. This is when a Super Top Up policy is useful, it becomes effective soon after the Sum Insured from an existing health plan is exhausted/ insufficient to settle claim. It is a back up to existing medical insurance.OKAY, GOT IT  

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Lifestyle Protection Critical Care

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

Individual

Family

Family

Key Benefits

Covers 30 or 15 critical illnesses as per plan.

Access to online Wellness Programs

Lump sum and staggered payout options

Coverage upto Rs. 25 Crore

We have a wide range of Sum Insured from ₹ 1 Lac - ₹ 25 Crore (in multiple of 1000) to suit your requirements. Eligibility of Sum Insured will be maximum 10 times of annual income.

Critical Illness Coverage

Provides lump sum payment of Sum Insured to an insured person upon diagnosis of any of the listed 15/ 30 critical illnesses (as per plan opted). You also get benefit of additional 10% of Sum Insured in case you opt for Staggered claim payment.

Age Limit:

Minimum age at entry under this policy is 18 years and maximum age at entry is 65 years. Renewals will be available for lifetime. Dependent and unmarried children can be covered up to 25 years under family basis

Second Medical Opinion

You can secure a second opinion from Our Network of Medical Practitioners, if an Insured Person is diagnosed with the covered Critical Illness during the Policy Period

Access to Online Wellness Program

Access to online wellness programs which is available to all customers consisting online customized programs like Health Risk Assessment, Lifestyle Management Programs, Nutrition Programs, access to health articles through the ManipalCigna Website.

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
QUICK QUOTE
QUICK QUOTE

Discounts Available

Family Discount: Upto 10% off on covering 2 and more family members under single Individual insurance policy.

Long Term Discount: 7.5% Discount on 2 years policy and 10% Discount on 3 years policy.

Direct Policy Discount: 10% Discount on purchasing the Policy Directly from Us without any intermediary.

Why ManipalCigna

Waiting Period

First 90 days of waiting period will be applicable in respect of any Critical Illness whose signs or symptoms first occur within 90 days of the Inception date of the first Policy.

The Sum Insured is payable only upon the Insured surviving 30 days from the diagnosis of the Illness or undergoing the Surgical Procedure for the first time.

Claims Process

For any queries related to claims, kindly connect with us at 1800-419-1159(toll-free number) or send an e-mail to us at cigna@mediassistindia.com.

For more information on hospital network Click Here

For accessing claims forms

Testimonials

FAQs

The Policy can be issued on individual basis wherein each Insured person under the policy will have a separate sum insured for them. Under this you can cover the following relationships – Self, Lawfully Wedded Spouse, Dependant Parents, Dependent Parent in laws, Dependent Children, Dependent Grandchildren and Dependent Siblings up to the age of 25 years and are unmarried.

Policy can be issued or renewed for one, two or three continuous years at the option of the Insured. ‘One Policy Year’ shall mean a period of one year from the date of issuance of the policy.

Yes, Medical Check-up shall be required:

In case of Basic Plan

  • Insured member >35 years and upto 55 years will undergo tests based on Medical declarations by the Insured and underwriting evaluation.
  • Insured member beyond 55 years and for members who have opted Sum Insured above 1 Crore for all age-group shall have to undergo listed medical tests

In case of Enhanced Plan

  • Insured member >45 years and upto 55 years will undergo tests based on Medical declarations by the Insured and underwriting evaluation.
  • Insured member beyond 55 years and for members who have opted Sum Insured above 1 Crore for all age-group shall have to undergo listed medical tests

If you come under the age group of are 56 and above, then you may have to undergo the below listed test as per the plan and sum insured opted.

Lifestyle Protection – Critical Care Basic

Sum Insured (Lacs)

Tests

1 Lac to 25 Lacs

Set 5 - MER, CBC-ESR, Lipid Profile, HbA1c, Sr. Creatinine, Urine Routine, SGOT, SGPT, GGT, TMT, Uric acid

>25 Lacs to 1 Crore

Set 6 - MER, Urine Routine, FBS, CBC - PS, Sr Creatinine, Lipid Profile, TMT,USG Abdomen & Pelvis, HbA1c, X-Ray Chest,  SGOT, SGPT, GGT, HBsAg, Uric acid

>1 Crore to 3 Crores

Set 7 - MER, Urine Routine, FBS, CBC-PS, Lipid Profile, TMT, USG Abd and Pelvis, HbA1c, X-Ray Chest, LFT, RFT, HBsAg, PAP smear(Female),  PSA(Males), CEA, HIV

Lifestyle Protection – Critical Care Enhanced

Sum Insured (Lacs)

Test Set

1 Lac to 25 Lacs

Set  6- MER, Urine Routine, FBS, CBC - PS, Sr Creatinine, Lipid Profile, TMT,USG Abdomen & Pelvis, HbA1c, X-Ray Chest,  SGOT, SGPT, GGT, HBsAg, Uric acid

>25 Lacs

Set 7- MER, Urine Routine, FBS, CBC-PS, Lipid Profile, TMT, USG Abd and Pelvis, HbA1c, X-Ray Chest, LFT, RFT, HBsAg, PAP smear(Female),  PSA(Males), CEA, HIV

The benefit payment shall be subject to survival of the Insured Person for at least 30 days following the first diagnosis of the Critical Illness/undergoing the Surgical Procedure for the first time.

You can avail of the following discounts on the applicable premium on your policy.

i. Family Discount

You can avail a discount of 10% for covering more than 2 family members under the same policy.

 

ii. Long Term policy discount:

You can avail of a long term discount of 7.5% and 10% on selecting a 2 and 3 years policy respectively. Long Term discount will apply only in case of Single Premium Policies.

 

iii. Direct Policy Discount:

You can avail of a 10% discount if you buy this Policy from Us without any intermediary.