ManipalCigna Lifestyle Protection Critical Care Plan

Policy Benefits

• On first diagnosis of the covered critical illness, the lump sum amount under the policy is paid to the insured person post applicable waiting periods.
• Insured may opt for a Staggered Payout where the Payout will be 25% of Sum Insured as Lumpsum Balance 75% + Additional 10% of Sum Insured will be paid in 60 equated monthly installments starting from the beginning of the next month of occurrence of Critical Illness.
• Medical second opinion from Co.s network of medical practitioners, on being diagnosed with a covered critical illness.
• Customized wellness program like online programs like Health Risk Assessment, Lifestyle Management Programs, Nutrition Programs and access to health articles through the ManipalCigna Website.

Value Added Benefits

• Avail Multiple Discounts on premium like Family Discount of 10%, Long Term Policy Discount of 7.5% & 10% on selecting a 2 and 3-year Policy respectively, a 10% online discount.
• Flexible Pay out options.
• Claim tax deduction u/s 80D as per IT Act 1961 for premium paid towards this policy.

Sub Limits

No Co-sharing/payment is applicable under this plan.

Waiting Period Clause

• Initial Waiting Period: A waiting period of 90 daysfrom the inception date of this policy.
• Survival Period: The Sum Insured is payable only upon the Insured surviving 30 days from the diagnosis of the Illness or undergoing the Surgical Procedure for the first time.