Lifestyle Protection Critical Care - Various Plans

 

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:

1. Basic policy   that covers 15 Critical Illnesses
2. 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 30 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.

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?

Step -1The product brochure, policy benefits, exclusions and premium details must be thoroughly understood and discussed with Our advisor/ Company representative, before buying the policy

Step 2: Once the benefits of the policy are understood, the Proposal Form must be filled, wherein details of the prospective Insured Persons including medical information must be provided as accurately as possible.

Step 3: The proposal form with the required documents have to be submitted.

 Step 4: If You are required to undergo medicals tests as per the chosen Sum Insured and Age band, we would arrange the medical check-up’s at Our network of diagnostic centres.

Step 5: Based on the above information we will process Your proposal for Insurance and a policy kit containing the Policy Schedule, Policy Terms & Conditions and associated documents will be sent to you.

In case we are unable to underwrite i.e. if the Proposal is rejected We will intimate the same to You through a rejection letter

Upon assessment if the premium is loaded then We will inform You about any revised terms through a counter offer letter. We will issue the Policy only once you accept the counter offer. Where You do not agree to the counter offer we will cancel your proposal.

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.