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*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
When it comes to health, uncertainty occupies the highest risk factor when one keeps his/her future in mind. This is where, health insurance policies come in handy, keeping financial crisis, and the mammoth costs of medical treatment today at bay.
ManipalCigna Lifestyle Protection Critical Care plan is one such health insurance policy under ManipalCigna Health Insurance that takes care of all unforeseen expenses during a medical emergency. It also offers various options for choosing the sum insured as per one’s insurance needs.
ManipalCigna Critical Care plan provides the financial backdrop for the policy owner to bear unforeseen medical expenses for themselves or their family. The said plan provides a sum insured for any of the illnesses covered under the plan to the insured upon diagnosis anywhere in the world, within the policy period. All such benefits are paid in Indian currency, regardless of the treatment undertaken by the policyholder in any country.
There are two cover options available under the said plan:
The following are the key components of the ManipalCigna Critical Care plan:
As mentioned above, one can opt for a basic critical illness plan or an enhanced plan, which covers double the number of critical illnesses. These include:
The policyholder will have the additional benefit of securing a second opinion through any medical practitioner registered with the insurance company if they are diagnosed with any of the above listed critical illnesses. This benefit can only be exercised once by the policyholder during a policy term.
ManipalCigna Critical Care has its own health and wellness program, tailor-made for each customer and covering their varied health needs. This program is available on the insurer's official website and consists of many customised programs such as lifestyle management programs, nutrition programs, health risk assessments, and a whole section of related articles for raising health awareness for the customer's to read.
Following are the key features of the plan:
- Parents-in Law
- Unmarried siblings up to 25 years
Up to sum insured
60% of the sum insured
30% of the sum insured
Dependent parents/in-law parents/siblings
30% of the sum insured
Payment of the full amount of sum assured upon diagnosis with any of the covered critical illness.
Under this plan, the insured will get 25% of the lump-sum amount upon diagnosis with any critical illness covered under ManipalCigna Critical Care. The rest 75%+10% payment will be paid in 60 monthly instalments following the day of the claim.
Policyholders can save up to a considerable amount on premiums under the said policy:
Following are the key benefits of ManipalCigna Critical Care:
The insurer has excluded certain conditions where the policyholder would not be able to get any payment if injury or illness arises due to the following conditions:
alcohol or hallucinogen
enemies, hostilities, warlike operations, civil war, etc.
installations with high risk supply, or circus personnel/jockeys.
Upon the occurrence of any illness covered under the policy, the policy owner must submit an application in writing or call the Customer Care centre within 10 days of such occurrence. Additionally, the following details must be provided to the insurer:
Once the insured is diagnosed with any of the covered critical illness, they must make a claim within 60 days of the first diagnosis or surgical treatment. The following documents are required to make a claim under ManipalCigna Critical Care policy:
One can easily buy ManipalCigna Critical Care plan through online as well as offline channels. One just needs to follow the below steps:
The proposal form is available on insurer’s official website. Conversely, one can buy the policy through intermediary websites such as Paisawiki.com, which is the easiest way of buying. The applicant must fill in the form with accurate personal details and medical history.
Subsequently, the applicant must submit the form along with necessary documents and premium.
The policy provides for a medical health check-up for applicants applying for a sum insured of more than 25 lakh and more than 18-45 years of age. The medical examination will be held in one of ManipalCigna's network of diagnostic centres.
Based on the above information, the proposal would be processed, and the insurance policy request shall either be accepted or rejected by the insurer. In case of rejection, reasons for such along with the premium shall be paid back to the applicant.
The applicant will require the following documents for buying ManipalCigna health insurance:
Once the base policy expires fulfilling its tenure, it terminates. The policy which comes into force subsequently will be considered a fresh policy if there is an intervening period of more than 30 days since the expiration of previous policy and the current policy start date.
Once the original policy expires, the policyholder must notify the insurer of any underlying health conditions at the time of renewal of the policy. The request for renewal will not be denied except for reasons of misrepresentation, fraud, non-disclosure, or non-cooperation by the policyholder.
Any change that the policyholder may wish to make in the sum assured or policy period should be communicated during such renewal. As such, the rate of premium shall be computed accordingly.
In case the plan has been discontinued, the nearest available substitute shall be assigned to the policyholder. All details of change and withdrawal will be effectively communicated to the policyholder before the lapse of his/her original policy.
One can approach paisawiki.com in order to renew the policy. He/she must visit the website, go to the renewal option, pay the premiums online and get the fresh policy.
Ans. The policyholder may cancel the plan at any time during the tenure of the policy. However, he/she needs to give a 15-day notice for cancellation of the policy. The premium will be refunded as per the terms and conditions of the policy.
Ans. Portability is allowed under the plan. ManipalCigna mandates that only individuals with a continuous health insurance policy from a non-life insurance company registered under IRDAI can only avail this option of portability. Additionally, the policyholder should submit the application for portability with all necessary documents at least 45 days prior to the expiration of his/her original policy.
Ans. The policy owner will have 15 days from the date of receipt of the policy document to review the terms and conditions of the ManipalCigna Critical Care plan. If the policyholder wants to go ahead with the cancellation, they need to state the reasons for such along with returning the policy documents. Thereafter, the full amount of premium shall be paid back to the policyholder.
Ans. The waiting period under the policy is 90 days from the start date of the plan.
Ans. The sum insured ranges from Rs 1 lakh to Rs 5 crores, depending on the income of the individual. However, one may be eligible for a higher claim amount, subject to underwriting and decided on a case to case basis.
Ans. Following conditions are not included under the policy:
Ans. The ManipalCigna Critical Care policy comes with the individual as well as family floater plans. Moreover, one may avail savings on premiums by adding more than 2 family members under the plan.