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

ManipalCigna Lifestyle Protection-Critical Care plan protects your finances in case you are diagnosed with any of the listed critical illnesses and pays you the entire Sum Insured on the first diagnosis of any of the listed critical illnesses.

Moreover, the plan comes in two variants that let you customize the plan as per your needs and requirements. The two available variants are Critical Care - Basic Plan (Covers 15 Critical Illnesses) Critical Care - Enhanced Plan (Covers 30 Critical Illnesses).

Take a look at the illnesses covered under both the variants:

Critical Care - Basic Plan

  • Cancer of Specified Severity
  • Myocardial Infarction (First Heart Attack - of Specific Severity)
  • Open Chest CABG
  • Open Heart Replacement or Repair of Heart Valves
  • Coma of Specified Severity
  • Kidney Failure Requiring Regular Dialysis
  • Stroke Resulting in Permanent Symptoms
  • Major Organ / Bone Marrow Transplant
  • Permanent Paralysis of Limbs
  • Motor Neuron Disease with Permanent Symptoms
  • Multiple Sclerosis with Persisting Symptoms
  • Primary (Idiopathic) Pulmonary Hypertension
  • Aorta Graft Surgery
  • Deafness
  • Loss of Sight

Critical Care - Enhanced Plan

  • All of Basic Plan
  • Coronary Artery Disease
  • Aplastic Anaemia
  • End-Stage Lung Failure
  • End-Stage Liver Failure
  • Third Degree Burns
  • Fulminant Hepatitis
  • Alzheimer's Disease
  • Bacterial Meningitis
  • Benign Brain Tumor
  • Apallic Syndrome
  • Parkinson's Disease
  • Medullary Cystic Disease
  • Muscular Dystrophy
  • Loss of Speech
  • Systemic Lupus Erythematous

Eligibility Criteria Of ManipalCigna Lifestyle Protection-Critical Care

Minimum Entry Age 18 years
Maximum Entry Age 65 years
Policy Period 1/2/3 years
Sum Insured Rs 1 Lakhs to Rs. 25 Crore

**Last Updated on August, 2021

Key Features of ManipalCigna Lifestyle Protection-Critical Care

  • If the policyholder is diagnosed with any of the above-listed illnesses, then the plan will pay off the entire Sum Insured.
  • Premium can be paid on a Single, Yearly, Half-yearly, Quarterly, and Monthly basis. However, the loading charges will be applicable to the payment method.
    Premium payment mode Loading on the premium (%)
    Monthly 5.50
    Quarterly 3.50
    Half-yearly 2.50

    **Last Updated on August, 2021

  • One can avail of a discount of 10% for covering more than 2 family members under the same policy.
  • The insurer is also entitled to get the benefit of an additional 10% of the Sum Insured in case the policyholder has opted for staggered claim payment.
  • One can avail protection up to 10 times your gainful annual income.
  • The plan offers customized health and wellness programs that consist of programs like Health Risk Assessment, Lifestyle Management, Nutrition, and Access to Health Articles.
  • The plan offers you to avail of Income Tax Benefit under Sec.80D of Income Tax Act, India 1961.

Claim Payout Options of ManipalCigna Lifestyle Protection-Critical Care

The plan offers two claim payout options. Have a look at them both:

  1. Lump-Sum Payout

    Under this payout option, the plan pays out the complete Sum Insured upon the diagnosis of any of the covered critical illness.

  2. Staggered Payout

    If the policyholder opts for this payout option, then he/she will get 25% of the Sum Insured as a lump sum, and the rest 75% plus the additional 10% of Sum Insured is paid in 60 equated monthly installments.

What is Not Covered Under ManipalCigna Lifestyle Protection-Critical Care?

  • Any illness other than specified critical illnesses
  • Any pre-existing diseases
  • Nuclear radiation or contamination
  • Foreign Invasion
  • Drug abuse
  • Working in underground mines, tunneling, etc

How To Buy ManipalCigna Critical Care Plan?

Buying From ManipalCigna Health Insurance
Buying From Policyx Website ManipalCigna Health Plan

How Can I Renew My ManipalCigna Critical Care Plan Online?

Let's discuss the renewal process of Manipal Cigna Health Insurance. Follow the below steps to renew your policy easily:

  • Visit the official website of Manipal Cigna Health Insurance and click on the 'Renew' option.
  • Enter your policy number and click 'Proceed' Fill in other information, if prompted.
  • You will get the renewal premium amount.
  • Click on the 'Pay now' option to make the online payment.
  • On successful payment, you will receive a policy transaction number. A new policy kit will be emailed to you within 48 hours.

How To File A Claim For ManipalCigna Critical Care Plan?

Cashless Process

  • Inform the company about planned (48 hours prior) or unplanned (within 24 hours) hospitalization.
  • Provide the health card and ID proof at the network hospital.
  • Then, the network hospital will send the pre-authorization form and medical records to ManipalCigna, which will verify all the details.
  • During discharge, the network hospital will send the discharge summary to the company authorizing the amount.
  • Once everything is sorted, ManipalCigna will make the payment to the network hospital.

Reimbursement Process

  • Intimate the company about the hospitalization. Get the treatment done and pay the expenses.
  • During discharge, collect all the necessary documents such as original hospital bills, receipts, discharge summary, investigation reports, pharmacy bills, and submit them to ManipalCigna with the duly filled claim form.
  • ManipalCigna will assess the documents.
  • If the claim is approved, the amount will be transferred to your registered bank account.

Manipal Cigna Important Links

Find Out What Customers Are Saying

(Showing latest 5 reviews only)

- 4.3/5 (50 Total Rating)

May 26, 2022



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

March 25, 2022

jasvinder singh


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

February 21, 2022

diya sharma


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

November 22, 2021

Ramesh Kumar


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

October 28, 2021

Ravi Rajora


Quick reimbursement process with good and supportive claim team... customer care team is very efficient and helpful.

Last updated on August, 2021

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