Cigna Lifestyle Protection-Critical Care Plan
Health Insurance Company Limited
ManipalCigna Health Insurance Company Limited (formerly known as CignaTTK Health Insurance Company Limited) is a joint venture between the Manipal Group, a leader in the field of healthcare delivery and higher education in India and Cigna Corporation, a global health services company with presence in 30+ countries and serving 160 million+ customers around the world. With a deep focus on health and wellness, ManipalCigna Health Insurance offers a full suite of insurance solutions ranging from health, personal accident, major illness, travel and global care to individual customers, employer-employee, and non-employer-employee groups to meet their diverse health needs.
Toll Free Number- 1800-102-4462
E-Mail - customercare@manipalcigna.com
Lifestyle Protection-Critical Care Insurance Plan is a critical illness benefit policy, which will pay a lump sum amount on the diagnosis of the covered illness of specified severity post the initial waiting & survival period.
Unique Features of ManipalCigna Lifestyle Protection-Critical Care Plan
Eligibility Criteria for ManipalCigna Lifestyle Protection-Critical Care Plan
Eligibility Criteria | ||||||||||
---|---|---|---|---|---|---|---|---|---|---|
Age Criteria | Min Entry Age: 18 Years Max Entry Age: 65 Years | |||||||||
Renewal Age | Life Long Renewal | |||||||||
Coverage for Individual & Family Basis | Self, spouse, dependent parents and dependent parents in laws in addition to dependent children, dependent grandchildren and dependent siblings up to the age of 25 years | |||||||||
Sum Insured | Up to Rs. 3 Crores Rs. 100000/- to Rs. 500000/- for age group of 61 yrs. to 65 yrs. (Eligibility of Sum Insured will be maximum 10 times of Annual Income) (For non-earning family members Spouse- 60% of the earning member)(dependent child, parents, in-laws and siblings-30% of the earning member) |
|||||||||
Policy Tenure | 1 Year, 2 Years and 3 Years |
Product Benefits of ManipalCigna Lifestyle Protection-Critical Care Plan
Critical Features | |||||
---|---|---|---|---|---|
No Of Covered Disease | 30 | ||||
Initial Survival Period | 30 | ||||
Initial Waiting Period | 90 Days | ||||
Coverage For PED | Not Covered | ||||
Second Opinion | Yes |
Other Features | |||||
---|---|---|---|---|---|
Add On Covers | Not Available | ||||
Sum insured Range | Upto Rs. 3 Crores | ||||
Type of Coverage | Individual and Family | ||||
Annual Health Check Up | No | ||||
Access To Online Wellness Program | Yes | ||||
Medical Second Opinion | Yes |
Waiting Period for ManipalCigna Lifestyle Protection-Critical Care Plan
of the policy coming into existence. The waiting period is not applicable on subsequent renewals
Pre-existing Diseases - Not Covered
Survival Period for ManipalCigna Lifestyle Protection-Critical Care Plan
1. Cancer of specific severity
2. First Heart Attack – of Specific Severity
3. Open Chest CABG
4. Open Heart Replacement or Repair of Heart Valves
5. Coma of Specified Severity
6. Kidney Failure Requiring Regular Dialysis
7. Stroke Resulting in Permanent Symptoms
8. Major Organ / Bone Marrow Transplant
9. Permanent Paralysis of Limbs
10. Motor Neurone Disease with Permanent Symptoms
11. Multiple Sclerosis with Persisting Symptoms
12. Primary Pulmonary Hypertension
13. Aorta Graft Surgery
14. Loss of Hearing
15. Loss of Sight
Enhanced Plan: In addition to Critical Illnesses under Basic Plan it also covers
16. Coronary Artery Disease
17. Aplastic Anaemia
18. End Stage Lung Disease
19. End Stage Liver Failure
20. Major Burns
21. Fulminant Hepatitis
22. Alzheimer’s Disease
23. Bacterial Meningitis
24. Benign Brain Tumor
25. Apallic Syndrome
26. Parkinsons Disease
27. Medullary Cystic Disease
28. Muscular Dystrophy
29. Loss of Speech
30. Systemic Lupus Erythematous
Exclusion in ManipalCigna Lifestyle Protection-Critical Care Plan
- Any Illness, sickness or disease other than those specified as Critical Illnesses under this Policy.
- Any claim with respect to any Critical Illness diagnosed or which manifested prior to Policy Inception Date.
- Any Pre-existing Disease or any complication arising there from.
- Any Critical Illness arising out of use, abuse or consequence or influence of any substance, intoxicant, drug, alcohol or hallucinogen.
- Narcotics used by the Insured person unless taken as prescribed by a registered Medical Practitioner.
- Any Critical Illness directly or indirectly caused due to intentional self-injury, suicide or attempted suicide; whether the person is medically sane or insane.
- Any loss resulting directly or indirectly, contributed or aggravated or prolonged by childbirth or from pregnancy.
- Any Critical Illness arising or resulting from the Insured person committing any breach of law or participating in an actual or attempted felony, riot, crime, misdemeanor or civil commotion with criminal intent.
- In the event of the death of the Insured person within the stipulated survival period as set out above.
- Birth control procedures and hormone replacement therapy.
- Any mental illness, psychiatric or psychological disorders etc.
Add-ons for ManipalCigna Lifestyle Protection-Critical Care Plan
Not Available
Additional Discounts in ManipalCigna Lifestyle Protection-Critical Care Plan
- 10% discount if premium is paid for enrolling more than 2 family members under a single policy
- 7.5 % discount if premium is paid for 2 years
- 10 % discount if premium is paid for 3 years.