ManipalCigna Lifestyle Protection Critical Care Insurance Policy

ManipalCigna Lifestyle Protection Critical Care Insurance Policy 

ManipalCigna Lifestyle Protection Critical Care is a critical illness benefit policy, carefully designed to cater to all emergency expenses. This policy offers coverage for the most unanticipated eventualities and has two versions – A Basic plan and an Enhanced plan. The Basic plan covers 15 critical illnesses and Enhanced 30 critical illnesses. In addition, the policy gives a lump-sum payout amount on the diagnosis of any critical illnesses covered under the policy anywhere in the world during the policy period. 

Moreover, the policy comes with several attractive features and benefits, providing comprehensive protection against critical illnesses. Such as the insured can take a second opinion from its network of medical practitioners if he or she gets diagnosed with the covered critical illness within the policy period. The policy also gives an option to choose from various payout options and is available on an individual or family basis.

Eligibility criteria for ManipalCigna Lifestyle Protection Critical Care 

Key highlights of ManipalCigna Lifestyle Protection Critical Care 

• The policy offers a wide range of sum insured options from Rs 1 lakh to Rs 3 crore to suit the insured’s requirements.
• There are two plan options within the policy covering 20 different critical illnesses.
• The sum insured is given to the policyholder on the first diagnosis of any of the 30 critical illnesses. In case of staggered claim payment, an additional 10% of the sum insured is available.
• The insured can take protection up to 10 times of their annual income.
• The policy offers a 10% discount for covering more than 2 family members under the same policy.
• A Grace Period of 30 days is available in case of single and yearly premium policies.
• The policy is eligible for tax benefit under Section 80D of Income Tax Act, India 1961.
• It offers a free look period of 15 days, within which the insured can cancel the policy with a full refund (subject to no claims).
• Pre-Policy Medical Check-Up is required based on age, plan, Sum Insured, and medical history.
• The policy comes with two claim payout options – lump sum payout and staggering payout.
• The plan provides customized health and wellness programs wherein it comprises programs like Health Risk Assessment, Lifestyle Management, Nutrition, and Access to Health Articles.

Inclusions in ManipalCigna Lifestyle Protection Critical Care 

• The policy includes two plan options – Basic and Enhanced covering 30 major critical illnesses (details are given below). 
• It covers self, spouse, parents, children, parents-in-law, grandchildren (all dependent).

Critical Illnesses covered under two plan options of ManipalCigna Lifestyle Protection Critical Care 

Exclusions in ManipalCigna Lifestyle Protection Critical Care  

Expenses are not covered related to any illnesses or injuries caused due to

• Any illness other than specified critical illnesses
• Any pre-existing diseases
• HIV/AIDS and its complications
• Foreign Invasion
• Suicide or drug abuse