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
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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 |
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
Wide Payment Options
- We support debit cards, credit cards, NetBanking , UPI & wallets.
Awarded Best Health Insurance Co. 2019
- ManipalCigna has been awarded as Best Health Insurance Company of the Year at the India Insurance Summit & Awards 2019.
24*7 Support
- Health emergencies may strike anytime. Thats why we have a dedicated customer support for all assistance that you need.
Free look cancellation
- A period of 30 days from the date of receipt of the policy document is available to review the terms and conditions of this policy. You have the option of cancelling the policy stating the reasons for cancellation and we shall refund the premium paid subject only to a deduction of a proportionate risk premium for the period of cover and the expenses, if any, incurred by the insurer on medical examination of the proposer and stamp duty charges
Income Tax benefit
- In addition to health protection, you can also claim tax deduction u/s 80D as per IT Act 1961 for premium paid towards this policy. For premiums paid in cash, tax benefit u/s 80D shall not be applicable. Please consult your tax advisor for more details.
Lifelong Renewability
- Renewals will be available for lifetime.
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.
Things to keep in mind while raising a claim
- You must Intimate and submit a claim in accordance with the Claim Process defined in the Policy.
- You must follow the advice provided by a Medical Practitioner.
- You must upon Our request, submit Yourself for a medical examination by Our nominated Medical Practitioner as often as We consider reasonable and necessary. The cost of such examination will be borne by Us.
- Provide Us with complete documentation and information that We have requested to establish admissibility of the claim, its circumstances and its quantum under the provisions of the Policy.
For more information on hospital network Click Here
For accessing claims forms
Testimonials
Nice to know that ManipalCigna is conscious about my health. I am totally satisfied with your benefited messages and hope in future also give guidance. Also doing good...
NEW DELHI, INDIA
Best service! ManipalCigna service was quick. Whatever requirement was needed during claims was completed quickly and everyone was very co-operative. My experience is best...
Solapur, INDIA
Thank you very very much! I would like to give ManipalCigna team 5 stars as they answered my queries patiently and I admire the manner in which the customer representative spoke to me.
Patna, INDIA
FAQs
What do you mean by individual policy?
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.
What are the policy period options for ManipalCigna Lifestyle Protection – Critical Care?
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.
Is a medical check-up necessary for buying a 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
What are the medical tests I have to undergo, if my age is 56?
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 |
What is the Survival waiting period for ManipalCigna Lifestyle Protection – Critical Care?
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.
Is there any discount available on ManipalCigna Lifestyle Protection – Critical Care?
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.