ManipalCigna Critical Care Plan - Premium, Benefits and Review
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ManipalCigna Health Insurance ManipalCigna Health Insurance ★ 4.4

Critical Care Plan

ManipalCigna's Critical Care Plan offers financial support and a lump ...Read More

Up to 1 Cr
Sum insured
1
No. of plans
77+
Pan India presence
98%
Claim settlement ratio
📄 Download brochure
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,708 reviews
🏥 15,000+ hospitals
📊 1.76 solvency ratio
✅ 98% claim settlement
Written by Simran saxena
Reviewed by Raj Kumar
Published: 25 Oct 2024
Updated: 27 Jul 2026
Expert Verified
IRDAI Licensed

Overview

ManipalCigna Health Insurance Company offers its Critical Illness policy, a global plan that assures financial support during critical times to ensure access to premium medical care. The policy also provides access to online wellness programs. With ManipalCigna Lifestyle Protection - Critical Care, you are offered payment of the entire Sum Insured on the first diagnosis of 15 or 30 major illnesses, along with the benefit of a medical second opinion and access to their online wellness program.

The ManipalCigna Critical Illness Plan has two variants that policyholders can customize as per their needs and requirements:

  • Critical Care - Basic Plan (Covers 15 Critical Illnesses)
  • Critical Care - Enhanced Plan (Covers 30 Critical Illnesses)

Video reviews

Walkthroughs from the PolicyX team — pros, cons, real claim experiences and who should buy.

Manipal Cigna Health Insurance Plan Detailed Review

Manipal Cigna Health Insurance Plan Detailed Review

This video describes manipal cigna health insurance plan in the detailed review. Know about all the details and plan options Manipal Cigna offers.

Exclusions

  • Hospitalization due to war, riot, strike, and nuclear weapons
  • Intentional self-injury
  • Miscarriage and abortion
  • AIDS
  • Congenital diseases
  • Infertility and in vitro fertilization

Sample Premium Illustration of ManipalCigna Critical Care Plan

To understand the premium amount one needs to pay, let us go through the example below, which illustrates sample premiums for different family sizes.

1 Adult

SI Options 15 Lakhs 25 Lakhs 50 Lakhs 1 Crore
Premium Payable 4,088 6,814 13,629 35,872

2 Adults

SI Options 15 Lakhs 25 Lakhs 50 Lakhs 1 Crore
Premium Payable 7,416 12,360 37,052 54,988

Plan at a glance

Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.

Entry age
18 to 65 years
Plan type
Individual and Family Health Insurance
Sum insured options
₹1 L, ₹5 L, ₹10 L, ₹25 L, ₹50 L, ₹1 L, ₹3 L, ₹5 L, ₹25 L
Waiting period
90 days
Renewability
Lifelong
Policy term
1/2/3 years

*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.

Pros & cons

A quick honest summary — the strengths and the trade-offs.

Pros

  • 15 or 30 major illnesses
  • Medical second opinion
  • Online wellness program

Cons

  • No daily cash benefit
  • In-patient hospitalization
  • OPD unavailable
  • Daycare procedures

What's covered

A quick look at what this plan covers — and what it doesn't.

Hospitalization

  • Room rent Not covered
  • ICU charges Not covered
  • Pre-hospitalization Not covered
  • Post-hospitalization Not covered
  • Domiciliary hospitalization Not covered
  • Day-care treatment Not covered
  • OPD charges Not covered
  • Covid-19 treatment Covered
  • Cataract Not covered

Bonuses & restoration

  • No-claim bonus Not covered
  • Automatic restoration of SI Not covered
  • Daily hospital cash Not covered

Family & special care

  • Maternity cover Not covered
  • New-born baby cover Not covered
  • IVF treatment Not covered
  • AYUSH treatment Not covered
  • Organ donor expenses Covered

Modern & preventive care

  • Modern treatment Not covered
  • Road ambulance Not covered
  • Air ambulance Not covered
  • E-consultation Not covered
  • Health check-up Not covered
  • Second medical opinion Covered
  • Vaccination Not covered

Conditions & global

  • Co-payment Not covered
  • Sub-limits Not covered
  • Compassionate travel Not covered
  • Global coverage Not covered

ManipalCigna Health Insurance Network Hospital List

ManipalCigna Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, ManipalCigna Health Insurance ensures that you are medically secured, irrespective of the city you reside in.

Delhi Mumbai Bengaluru Chennai Kolkata Hyderabad Pune Ahmedabad Jaipur Lucknow

Know More About Network Hospitals →

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • Entry age: 18 to 65 years
  • SI: 1 L to 25 Cr
  • Policy term: 1/2/3 years
  • Waiting period: 90 days

Frequently Asked Questions

The 3 most-asked questions about Critical Care Plan, answered.

It covers healthcare and treatment expenses related to upto 30 critical illnesses.
The Basic cover provides upto 15 critical illness benefits and the Enhanced cover has upto 30 listed critical illnesses.
The initial waiting period for the ManipalCigna Critical illness plan is 90 days.

Conclusion

A flexible critical illness plan offering financial security against major illnesses with global cov

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