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Lifestyle Protection-critical Care
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Manipal Cigna Lifestyle protection critical care plan covers you for the most unanticipated eventualities. What’s more, it even gives you an option to choose exactly how you would like your payout to be (lump sum or staggered).


  • CANCELLATION:-You can place a request for cancellation any time during the term of the policy; premium refund will be on short period basis.
  • FIRST 90 DAYS WAITING PERIOD:-From the policy inception date, there will be a waiting period of 90 days before the symptoms of any critical illness first occur for you to be able to make a claim.
  • GRACE PERIOD:- 30 days
  • INCOME TAX BENEFIT:- Under section 80D of IT act 11961
  • POLICY TERMINATION:-Once a claim for a particular critical Illness has been admitted and paid, the coverage will automatically terminate for that insured person.
  • You get the entire Sum Insured on the first diagnosis of any of the 30 critical illnesses. You also get the benefit of additional 10% of the Sum Insured in case you opt for staggered claim payment.
  • You can enjoy easy access to a worldwide network of hospitals and best-in-class medical care
  • You can choose from a wide range of Sum Insured options (up to ` 3Cr*) to suit your requirements.
  • You can take protection up to 10 times of your annual income
  • The Individual Plan covers you and your family members. You can avail of a discount of 10% for covering more than 2 family members under the same policy.
  • It offers flexible policy tenure and allows you to enjoy a discount of 7.5% and 10% on selecting a 2 and 3 years single premium policy respectively.
  • You have an option to avail an annual premium instalment for 2 and 3 years policy.
Title Description
Pre-Existing Disease / Illness coverage 90 days
Medical Screening Under Basic Plan:For Sum Assured more than 1 crore. And for insured whose age >= 46. Under Enhanced Plan: For Sum Assured more than 1 crore. And for insured whose age >= 36