ManipalCigna Lifestyle Protection Critical Care Plan – The global ManipalCigna Critical Illness plan guarantees financial assistance during critical times to ensure access to premium medical care. Online wellness programs are also accessible under the critical illness policy. With ManipalCigna Lifestyle Protection-Critical Care, you can get a second opinion from a doctor and access to their online wellness program, as well as payment for the entire sum insured on the first diagnosis of 15 or 30 major illnesses.
The ManipalCigna Critical Illness Plan has two options that policyholders can modify to meet their specific needs. The Critical Care – Basic Plan, which covers 15 critical illnesses, and the Critical Care – Enhanced Plan, which covers 30 critical illnesses, are the two variants that are available.
ManipalCigna Lifestyle Protection Critical Care Plan
Looking for an affordable way to protect yourself and your loved ones in the event of a medical emergency? Check out ManipalCigna’s Lifestyle Protection Critical Care Plan! This comprehensive coverage includes everything from ambulance transportation to in-hospital care, making it the perfect solution for anyone who wants to be prepared for any eventuality. Plus, with ManipalCigna, you can be sure that you’re getting the best possible service and value for your money. Give us a call today to learn more!
Life is full of surprises. We never consider diseases that could end our lives. Being in such a predicament can make us feel vulnerable. Our way of life is harmed as a result of such events. Lifestyle Protection-Critical Care from ManipalCigna covers any and all unexpected costs. In addition, you can select how you want to receive your payment. The ManipalCigna Lifestyle Protection–Critical Care plan provides a lump sum benefit to guarantee financial support during difficult times. Additionally, it makes it simple for you to get to more than 10,00,000 world-class hospitals. There are 30 major Critical Illnesses and Procedures covered in the Plan. You can also take advantage of medical second opinions and other services that add value.
ManipalCigna Lifestyle Protection Critical Care Plan Details
| Name Of Article | ManipalCigna Lifestyle Protection Critical Care Plan |
| ManipalCigna Lifestyle Protection Critical Care Plan | Click Here |
| Category | Insurance |
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About ManipalCigna Lifestyle Protection Critical Care Health Insurance
A benefit policy for critical illness is Cigna Lifestyle Protection Critical Care. This policy covers you for the worst-case scenarios and is designed to cover any and all costs associated with an emergency. During the term of the medical insurance policy, it makes a one-time payment for the diagnosis of covered critical illnesses anywhere in the world. There are two plans that provide coverage: Enhanced Plan and Basic Plan. The Basic plan covers 15 critical illnesses, while the Enhanced plan covers 30.
In addition, the Lifestyle Protection-Critical Care policy makes it easy for the insured to get a second opinion from one of its network of doctors if they are diagnosed with a covered critical illness while the policy is in effect. You can also choose how you want to receive your payout from the policy. You can buy the policy for yourself or your entire family.
Eligibility Criteria for ManipalCigna Lifestyle Protection-Critical Care Plan
| Eligibility Criteria | ||
| Age Criteria | Min Entry Age: 18 Years Max Entry Age: 65 Years | |
| Renewal Age | Life Long Renewal | |
| Coverage for Individual & Family Basis | Self, spouse, dependent parents, and in-law dependent parents, in addition to children, grandchildren, and siblings who are dependent up to the age of 25 | |
| Sum Insured | Up to Rs. 3 Crores Rs. 100000/- to Rs. 500000/- for age group of 61 yrs. to 65 yrs. (Eligibility of Sum Insured will be maximum 10 times of Annual Income) (For non-earning family members Spouse- 60% of the earning member)(dependent child, parents, in-laws and siblings-30% of the earning member) | |
| Policy Tenure | 1 Year, 2 Years and 3 Years | |
Key Inclusions and Exclusions of the Plan
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What’s Included?
- Inclusion of 15 and 30 significant sicknesses under Fundamental and Improved designs separately
- It allows you to pick precisely the way that you would like your payout to be – singular amount or staggered
- With this arrangement, you have a possibility for clinical second assessment and admittance to online wellbeing programs
- The strategy gives a decision of two case payout choices for a very long time with 10% extra advantage
- Inclusion for self, life partner, guardians, kids, guardians in-regulation, grandkids (all reliant)
- Cover for basic sicknesses like disease, kidney disappointment, stroke, and so on.
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What’s Not Included?
- Any basic ailment because of the utilization, maltreatment of any substance, medication or liquor
- Any ailment, Sickness, or infection other than those predefined as basic diseases under this approach
- Any wellbeing related issue, which happens because of pregnancy or early termination
- Working in underground mines, burrowing or including electrical establishments with high strain supply
- Any dysfunctional behavior, mental or mental problems
- Costs for the treatment of HIV or Helps and related sicknesses
Exclusion in ManipalCigna Lifestyle Protection-Critical Care Plan
- Any Ailment, affliction or sickness other than those predefined as Basic Diseases under this Approach.
- Any case regarding any Basic Sickness analyzed or which appeared preceding Arrangement Initiation Date.
- Any Previous Illness or any inconvenience emerging there from.
- Any Basic Sickness emerging out of purpose, misuse or result or impact of any substance, intoxicant, medication, liquor or psychedelic drug.
- Opiates utilized by the Safeguarded individual except if taken as endorsed by an enlisted Clinical Specialist.
- Any Basic Disease straightforwardly or in a roundabout way caused because of purposeful self-injury, self destruction or endeavored self destruction; whether the individual is medicinally normal or crazy.
- Any misfortune coming about straightforwardly or in a roundabout way, contributed or irritated or delayed by labor or from pregnancy.
- Any Basic Disease emerging or coming about because of the Protected individual perpetrating any break of regulation or partaking in a genuine or endeavored lawful offense, revolt, wrongdoing, misdeed or common upheaval with criminal plan.
- In case of the demise of the Guaranteed individual inside the specified endurance time frame as set out above.
- Contraception methodology and chemical substitution treatment.
- Any dysfunctional behavior, mental or mental issues and so on.
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The following guide would give you much better understanding of the plan
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The following are the focuses that will give you better comprehension of the health care coverage strategy:
- Aggregate Guaranteed – An individual has a choice of picking a summarize safeguarded to Rs 3 Crore.
- Passage Age and Restoration – To sign up for the arrangement, you ought to be in the age gathering of 18-65 years. Likewise this plan offers lifetime restoration choice which implies you can get as long as you can remember.
- Clinical trial Prerequisite – It relies upon the age, total guaranteed and clinical history of the person.
- Family Rebate – A markdown of 10% on the premium is given for selecting multiple individuals in a solitary strategy.
- Long haul Rebate – On picking the strategy for 2 and 3 years, there will be a markdown of 7.5% and 10% individually.
- Basic Sicknesses Covered – The arrangement conceals to 30 basic diseases, which are recorded beneath
- Failure Requiring Regular Dialysis
- First Heart Attack – of Specific Severity
- Cancer of specific severity
- Open Kidney Chest CABG
How to cancel ManipalCigna Lifestyle Protection Critical Care Policy?
Cancelling ManipalCigna Lifestyle Protection Critical Care Policy is not as difficult as one might think. In fact, all one needs to do is call the customer care number and ask to be disconnected from the policy. Thereafter, the customer should contact the insurer directly to process a claim for any losses that they may have incurred as a result of the policy. Additionally, it is important to note that customers are not automatically liable for any losses that may have been caused by someone who they have allowed to be a part of their family member’s policy.
You can terminate the policy at any time during the policy period. The company shall refund the premium on the short-time basis.
Exclusions in ManipalCigna Lifestyle Protection Critical Care Policy
Recently, ManipalCigna issued a Critical Care Policy (the “Policy”) which includes exclusions for certain medical conditions. As an individual who suffers from one of the excluded medical conditions, it is important for you to understand what this means for you and your health. In this article, we’ll outline the Policy and discuss the types of exclusions that it includes. We will also provide some tips on how to make sure that you are covered under the Policy.
The insurer doesn’t offer coverage in case of the following situations
- Any disease other than indicated basic sickness afflictions
- Any previous illness
- Hereditary turmoil
- Mental turmoil
- Self destruction or substance addiction
- Any medical condition coming about because of pregnancy or early termination
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ManipalCigna Lifestyle Protection Accident Care Plan