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ManipalCigna Health Insurance Company offers its Critical Illness policy which is also 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).
| PLAN DETAILS |
Critical Care Plan |
Reassure Plan |
| 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 | 10000 |
| 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 | Covered |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Not Covered | Covered |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Not Covered | Not Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Not Covered | Not 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 | Not Covered |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Not Covered | Covered |
| Plan Entry Age | 18 to 65 years | Adult - 18 Years, Child - 91 Days |
| Plan Premium Entry Age and S/A | 4088 | 25 Lakh |
| Plan Waiting Period | 90 | 30 days to 36 months |
| Plan Coverage | Individual & Family floater cover | Hospitalization cover, Critical illness cover, Emergency cover, AYUSH treatment cover |
| Plan Sample Premium | 4088 | Starts from Rs. 8,540 |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1/2/3 years | 1 year, 2 years, or 3 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 | Covered |
| Claim Ratio | 98 | 98 |
| Solvency Ratio | 1.76 | 3.03 |
|
Manipal Cigna Health Insurance Plan Detailed Review Niva Bupa ReAssure 3.0 Review | Unlimited Coverage Explained |
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