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ManipalCigna Health Insurance Company offers its Critical Illness policy, which is 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) and Critical Care - Enhanced Plan (Covers 30 Critical Illnesses).
| PLAN DETAILS |
Critical Care Plan |
Ultimate Care |
| Product Type | Individual and Family Health Insurance | Individual and Family Health Insurance |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Not Covered | Covered |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
Not Covered | Covered |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
Not Covered | Covered |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
Not Covered | Covered |
| Post-hospitalization (Expenses after discharge from the hospital) |
Not Covered | Covered |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
Not Covered | Covered |
| Hospital_network (Number of Hospital Network in city) |
15000 | 11400+ |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Covered | Covered |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
Not Covered | Not Covered |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Not Covered | Covered |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Not Covered | Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Not Covered | Covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Not Covered | Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Not Covered | Available |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Not Covered | Not Available |
| Plan Entry Age | 18 to 65 years | Minimum: Child - 91 days; Adult - 18 years. Maximum: Child - 24 years, Adult - Lifelong |
| Plan Premium Entry Age and S/A | 4088 | 6491 |
| Plan Waiting Period | 90 | 30 |
| Plan Coverage | Individual & Family floater cover | Hospitalization expenses, Pre and post-hospitalization expenses, Daycare treatments, AYUSH treatment cover, Organ donor cover, Ambulance cover |
| Plan Sample Premium | 4088 | 6491 |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1/2/3 years | 1, 2, 3, 4, 5 years |
| ICU Charges | Not Covered | Covered |
| Covid-19 Treatment | Covered | Covered |
| Cataract | Not Covered | Covered |
| Automatic Restoration | Not Covered | Covered |
| Ayush Treatment | Not Covered | Covered |
| Modern Treatment | Not Covered | Covered |
| E Consultation | Not Covered | Covered |
| Air Ambulance | Not Covered | Covered |
| Global Coverage | Not Covered | Not Covered |
| Claim Ratio | 98 | 97 |
| Solvency Ratio | 1.76 | 1.74 |
|
Manipal Cigna Health Insurance Plan Detailed Review Ultimate CARE Health Insurance Review 2025 | Care Health New Plan 2025 | Care Health Insurance |
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