Critical Care Plan
  • Coverage Against Critical Illnesses
  • Know All the Illnesses covered
  • Eligibility and Key Features
premium

Network hospitals

8500+

premium

Claim settlement ratio

99.90%

premium

Sum insured

Up to 3 CR

premium

No. of Plans

16

premium

Solvency Ratio

1.67

premium

Pan India Presence

77

Recognized By ManipalCignaPolicyX.com is a Recognised ManipalCigna Partner View Certificate

Customized Health Insurance Plan for you.

Get upto 15% Online Discount*

Select Members You Want To Insure

Age of Eldest Member

premium

Network hospitals

8500+

premium

Claim settlement ratio

99.90%

premium

Sum insured

Up to 3 CR

premium

No. of Plans

16

premium

Solvency Ratio

1.67

premium

Pan India Presence

77

Recognized By ManipalCignaPolicyX.com is a Recognised ManipalCigna Partner View Certificate

ManipalCigna Lifestyle Protection Critical Care Plan

ManipalCigna Critical Illness plan is a global plan that assures you financial support during critical times to ensure you get access to premium medical care. The critical illness 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.

ManipalCigna Critical Illness Plan has two variants that policyholders can customize as per their needs and requirements. The two available variants are Critical Care - Basic Plan (Covers 15 Critical Illnesses) and Critical Care - Enhanced Plan (Covers 30 Critical Illnesses).

ManipalCigna Critical Care Plan Specifications

Entry Age

Minimum: 18 years

Adult Entry Age

Adult: 65 Years

Policy Term

1/2/3 years

Plan Type

Individual/ Family Floater

Sum Insured

1 L | 2 L | 3 L | 4 L | 5 L | 7 L | 10 L| 15 L | 20 L | 25 L | 30 L | 40 L | 50 L | 75 L | 1Cr | 2 Cr | 3 Cr | 25 Cr

Initial Waiting Period*

90 Days*

*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.

Read more specifications in the brochure.

Choose your ManipalCigna Critical Care Plan

With wide coverage options, Manipal Cigna Super Top Up Plan lets you customize your health insurance plan as per your requirements:

Coverage for SI: 1 L - 25 Cr

In-patient & Out-patient Coverage

Room Rent

Not Available

ICU Charges

Not Available

Pre-Hospitalization

Not Covered

Post-Hospitalization

Not Covered

Domiciliary Hospitalization

Not Covered

Daycare Treatment

Not Covered

OPD Charges

Not Covered

Coverage Terms

COVID-19 Treatment

Not Covered

Cataract

Not Covered

No Claim Bonus

Not Available

Automatic Restoration

Not Available

Daily Hospital Cash

Not Available

Organ Donor

Covered up to SI

Maternity Cover

Not Available

New Born Baby Cover

Not Available

Alternative Treatments

AYUSH Treatment

Not Available

IVF Treatment

Not Available

Modern Treatment

Not Available

Emergency Coverage

Ambulance

Not Covered

Air Ambulance

Not Available

Compassionate Travel

Not Available

Global Coverage

Not Available

Wellness Programmes

E-Consultation

Not Available

Health Check-Up

Not Available

Second Medical Opinion

Available for all listed critical illnesses

Vaccination

Not Available

Limitations

Co-payment

Not Applicable

Sub-limits

Not Available

What is Room Rent?

The room rent limit is the maximum amount of bed charge that you can claim if you are hospitalized.

Common Room categories covered under room rent are:

  • Private Single AC Room
  • Twin Sharing
  • General Ward

Coverage status under ManipalCigna Critical Care Plan?

Under ManipalCigna Critical Care Plan, the room rent is not covered.

What are ICU Charges?

It is a special department in the hospitals where patients with serious medical conditions are treated.

Coverage status under ManipalCigna Critical Care Plan?

Under ManipalCigna Critical Care Plan, the ICU expense is not covered.

What is Pre Hospitalization?

Medical expenses incurred before the hospitalization of the policyholder.

Coverage status under ManipalCigna Critical Care Plan?

This plan does not cover medical expenses incurred during pre-hospitalization.

What is Post Hospitalization?

Medical expenses incurred after the discharge of the policyholder from the hospital.

Coverage status under ManipalCigna Critical Care Plan?

This plan does not cover medical expenses incurred during post-hospitalization.

What is Domiciliary Hospitalization?

Home hospitalization arrangements for the insured person due to the unavailability of medical amenities in hospitals. The treatment should last equal to or more than 72 hrs to get financial coverage.

Coverage status under ManipalCigna Critical Care Plan?

Under ManipalCigna Critical Care Plan, domiciliary hospitalizations are not covered.

What is Daycare Treatment?

Treatments that can be treated in less than 24 hours of hospitalization like blood dialysis, cataract, etc.

Coverage status under ManipalCigna Critical Care Plan?

This plan does not cover the expenses of daycare procedures.

What are OPD charges?

Covers the cost of doctor consultation and prescribed medical tests that may not require hospitalization.

Coverage status under ManipalCigna Critical Care Plan?

Not covered under the plan.

What is COVID-19 Treatment?

COVID-19 treatment includes the cost of treatment for COVID-19 with a confirmative diagnosis from Govt. approved Centre.

Coverage status under ManipalCigna Critical Care Plan?

COVID-19 treatment is not covered under this plan.

What is Cataract Treatment?

A common eye condition in which your vision gets blurred.

Coverage status under ManipalCigna Critical Care Plan?

The plan does not cover Cataract Treatment.

What is a No-Claim Bonus?

For every claim-free year, insurance companies reward policyholders with an increase in the Sum Insured amount as a no-claim bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage that varies from plan to plan.

Coverage status under ManipalCigna Critical Care Plan?

Not Available.

What is Automatic Restoration?

Automatic restoration is a benefit in which an insurance company restores the sum insured amount completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from plan to plan.

Coverage status under ManipalCigna Critical Care Plan?

Not Available.

What is Daily Hospital Cash?

It is a cash amount that you receive each day during the time of hospitalization.

Coverage status under ManipalCigna Critical Care Plan?

Not Available.

What is an Organ Donor Cover?

It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body.

Coverage status under ManipalCigna Critical Care Plan?

Under the plan, Organ Donor expenses are covered up to the SI

What is a Maternity Cover?

It refers to the cover that includes expenses for normal and c-section procedure deliveries.

Coverage status under ManipalCigna Critical Care Plan?

Maternity is not covered in this plan.

What is a New Born Baby Cover?

It takes care of the medical expenses that arise due to the hospitalization of the newborn baby in case of unforeseen circumstances. Some of the common treatments that are covered under the newborn cover and these common treatments can vary from plan to plan:

  • Congenital anomaly (conditions since birth)
  • Acute condition
  • Chronic condition
  • Pre-mature delivery
  • Birth asphyxia
  • Day care treatment

Coverage status under ManipalCigna Critical Care Plan?

Not covered

What is AYUSH Treatment?

Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.

Coverage status under ManipalCigna Critical Care Plan?

Not covered.

What is IVF Treatment?

In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:

  • Full infertility
  • No fertility
  • Infertility diagnosis
  • Infertility diagnosis and limited fertility treatment
  • Medication (which may or may not include fertility drug prescriptions)

Coverage status under ManipalCigna Critical Care Plan?

Not available

What is a Modern Treatment?

Medical treatments that demand the use of modern technology such as robotic surgeries, stem cell therapy, etc.

Coverage status under ManipalCigna Critical Care Plan?

Not Covered

What is an Ambulance Cover?

An ambulance is used to move the patient from home to hospital, transfer to another hospital, and take them for different tests outside the hospitals.

Coverage status under ManipalCigna Critical Care Plan?

Not Covered

What is an Air Ambulance?

Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.

Coverage status under ManipalCigna Critical Care Plan?

Not Covered

What is Compassionate Travel?

Refers to the traveling expenses of a family member of the insured person in case the policyholders get admitted to a hospital outside his/her residential city.

Coverage status under ManipalCigna Critical Care Plan?

Not available

What is Global Coverage?

Any kind of medical/health emergency when you are outside of India.

Coverage status under ManipalCigna Critical Care Plan?

Not available

What is E-Consultation?

If a policy offers E-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.

Coverage status under ManipalCigna Critical Care Plan?

The plan does not cover the expenses for E-consultation.

What is a Health Checkup?

A facility where the policyholder can avail of free health check-ups after fulfilling the company's policies.

Coverage status under ManipalCigna Critical Care Plan?

The plan does not cover Health check-ups..

What is a Second Medical Opinion?

If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company’s network of medical practitioners.

Coverage status under ManipalCigna Critical Care Plan?

The plan covers the expenses for Second Medical Opinion for all the listed critical illnesses.

What is Vaccination cover?

Coverage against the expenses incurred on vaccinations is provided by the insurance companies.

Coverage status under ManipalCigna Critical Care Plan?

The plan does not cover vaccination expenses.

What is Co-payment?

In the co-payment clause, policyholders have to pay a portion of the hospitalization expense on their own and the insurer will pay the rest of the amount.

Status under Manipal Cigna Super Top Up Plan?

Not Applicable

What is the Sub limit?

Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to be paid by the policyholder.

Status under Manipal Cigna Super Top Up Plan?

No sub-limits are available.

Other Health Insurance Companies

ManipalCigna Critical Care Plan Exclusions

Permanent Exclusions

Permanent diseases or health conditions that are not included under Manipal Cigna Super Top-up plan are:

Hospitalization out of war, riot, strike, and nuclear weapons

Intentional self-injury

Miscarriage, and abortion

AIDS

Congenital disease

Infertility and in vitro fertilization

Sample Premium Illustration of ManipalCigna Critical Care Plan

To understand how much premium an amount one needs to pay, let us go through the below example wherein we have illustrated the 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

ManipalCigna Critical Care Plan Benefits

Wellness Programs

Earn rewards by staying fit

Tax Benefits

Get tax relief under section 80D

Discounts

Avail Family and Long-Term Discounts

Wellness Programs

The plan offers customized health and wellness programs. It includes programs like Health Risk Assessment, Lifestyle Management, Nutrition, and Access to Health Articles.

Tax Benefits

TAmount paid towards the premium of this plan is eligible for tax relief under Section 80D of the Income Tax Act, 1961.

Discounts

The plan offers several discounts if one chooses to opt for a long-term policy or add more than 1 family member to their policy. The discounts available under the plan are as follows:

Explore other Manipal Cigna Health Plans

Manipal Cigna Health offers a wide range of health insurance plans to fulfill the medical needs of individuals, families, and senior citizens.

Comprehensive Plan

A comprehensive plan with SI up to 1Cr and 3 different variants. It is a versatile health insurance plan for your medical needs.

Unique Features

  • Unlimited Tele-consultation
  • Switch off your cover feature
  • Wellness program available

Comprehensive Plan

A high SI plan for women's medical requirements. The plan covers major critical illnesses including cancer treatment.

Unique Features

  • Avail Global OPD
  • Cancer treatment
  • Avail high sum assured

Comprehensive Plan

A comprehensive plan with 5 different variants suitable for individuals and young couples, offering sum insured up to 1Cr.

Unique Features

  • Avail family discount
  • Worldwide emergency protection
  • Avail healthy lifestyle benefits

Affordable Plan

An affordable plan that offers added coverage to the policyholder and keeps them covered above and beyond their basic health plan.

Unique Features

  • Avail no claim bonus
  • Customize plan
  • Avail Coverage from Critical Illness

Affordable Plan

ManipalCigna Pro Health Select

A fully customizable health plan according to your needs with ProHealth Select at an affordable premium.

Unique Features

  • 2 plan variants available
  • Avail customized features
  • Avail long term policy

Affordable Plan

ManipalCigna ProHealth Cash

The plan offers daily cash to the family members of the patient to cover the miscellaneous expenses.

Unique Features

  • Avail worldwide cover
  • Avail online wellness program
  • Lifetime renewal available

Affordable Plan

ManipalCigna Arogya Sanjeevani Policy

An affordable, standard health insurance plan for individuals and family members with up to 10L sum assured.

Unique Features

  • Affordable all India health coverage
  • Avail modern treatments
  • Avail AYUSH Treatment

Affordable Plan

ManipalCigna Corona Rakshak Policy

An affordable plan providing lump sum benefits equal to 100% of the Sum Insured on a positive diagnosis of Covid.

Unique Features

  • Avail lump sum benefit
  • Affordable premiums
  • All India coverage

Affordable Plan

ManipalCigna Corona Kavach Policy

A Standard health insurance plan for Coronavirus disease providing hospital to homecare treatment up to SI.

Unique Features

  • Discounts for health care workers
  • Avail Home care treatment
  • Avail AYUSH treatment

Critical Illness Plan

A protection plan that offers support to you and your family against up to 30 critical illnesses with a high sum assured to choose from up to 25Cr.

Unique Features

  • Upto 30 critical illnesses covered
  • Avail online wellness program
  • Plan variants available

Accident Plan

ManipalCigna Lifestyle Protection Accident Care

A plan that provides complete protection, on and off the job, including death, disability, loss of job, and financial protection.

Unique Features

  • Loss of job covered
  • upto 10 Cr coverage
  • Avail Rider benefits

Accident Plan

ManipalCigna Saral Suraksha Bima

Personal Accident policy to safeguard you from unexpected expenses arising from death or serious injuries.

Unique Features

  • Avail Accident Death Cover
  • Avail Security for dependant child
  • Permanent Total Disability Cover

Group Plan

A health insurance solution for Employer-Employee and Non-Employer-Employee groups. A plan offering sum assured up to 1Cr.

Unique Features

  • Customizable plans
  • 42 optional covers available
  • Avail Personal accident coverage

Group Plan

ManipalCigna Lifestyle Protection Group Policy

An all-in-one plan offering sum assured up to 50Cr and Umbrella cover of Group - Personal Accident and/or Critical Illness.

Unique Features

  • Flexible base and optional cover
  • Upto 36 critical illnesses covered
  • Cancer-only coverage available

Group Plan

ManipalCigna FlexiCare Group Insurance Policy

A plan offering sum assured up to 5 Cr and a range of covers including Accident, Mediclaim, Surgery, Domestic Travel, and Wellness.

Unique Features

  • Avail wellness packages
  • Customizable coverage
  • Avail home care benefits

Group Plan

ManipalCigna Group Overseas Travel

Group overseas travel insurance offers all-around coverages for business trips, vacations, and more. The plan offers a sum assured up to $ 50 Lac.

Unique Features

  • Customizable plan
  • Travel expense covered
  • Avail adventure sports cover

Group Plan

ManipalCigna Global Health Group Policy

A comprehensive group plan that covers Indian locals and expatriates working abroad under one umbrella with a sum assured of up to $ 10 Million.

Unique Features

  • Avail health care globally
  • Avail wellness package
  • Avail multiple optional covers

Manipal Signa Health Insurance Network Hospital List

Manipal Signa Health Insurance Network hospitals are present in 30 states across the country. With a wide network of hospitals, Manipal Signa Health Insurance ensures that you are medically protected, no matter which city you live in.

Health Insurance Articles

What is OPD Cover?

What is OPD Cover?March, 2022

ManipalCigna Critical Care Plan Review

Read what customers have to say about ManipalCigna health Plan.

Customer Review Image

Durgesh Kumar

Jaipur

March 25, 2023

Best health insurance claim mere leg ka surgery hui h 22.03.2023 ko 2 hrs m claim approval aa gya tha mari policey ko 7 month hi hua h mera claima 44000 rupaye ka tha 100% company n pay kiya h ...

Customer Review Image

Ajay Kapoor

Delhi

March 24, 2023

Bad experience operate 6th jan 2023 my claim no 31418820 Ajay Kapoor mob 7838722273 till date 24 mar 2023. No reimburse ment amount 67367 not recd . always demand new query. I send you after op...

Customer Review Image

Poonam Sinha

Surat

December 9, 2022

Mujhe khaas kar inki service best lagi. Policyx se mai hamesha services lungi. Maininki services se khush hu

Customer Review Image

Santokh Singh Sethi

Delhi

September 14, 2022

I was great experience with policyx, the way the compare the plan is very good and web site is also easy to understand... I will suggest go with Policyx only

Customer Review Image

Asleen

Indore

May 26, 2022

Good company, satisfied with the plan bought from ManipalCigna and also with all the benefits the plan provides me with.

Customer Review Image

jasvinder singh

Delhi

March 25, 2022

very nice service by policyx.com and as well from manipal cigna during the claim period. easy claim settelment.

Customer Review Image

diya sharma

Chandigarh

February 21, 2022

only big companies are trusted generally but new companies are also good. satisfied service and customer satisfaction is full

Customer Review Image

Ramesh Kumar

Hyderabad

November 22, 2021

they have great impressive plans to offer. very amazing and helpful customer service. helped me a lot at the time of claim settlement

View All ManipalCigna Critical Care Plan Reviews