Top 5 Critical Illness Plans in India: A Comprehensive Guide

It is a common assumption in India that if you have indemnity health insurance and term life insurance, you do not need any more individual insurance but this is not at all true. Here comes critical illness plans, I want to share some mindblowing facts here so that it becomes clear to the people that apart from individual insurance, there is also a need for one more insurance and as our lifestyle and living in the cities these days, this insurance plan is available to the middle class & high net worth individual.

According to a report by GOQii, 33% of the total population of people above 30 years of age are suffering from lifestyle-related diseases, among which Diabetic, BP, and Cholesterol are the main ones, all these pose a serious threat to the future in the face of lifestyle-related medical conditions. You have come at the beginning of incurable diseases.

In this way, sometimes we also think about how many people in the world have lifestyle-related diseases, keep yourself fit and do not bother further … then wait a while and read this article completely without missing any sentence, I’m showing some data and stats regarding this, how many people suffering from below deadly diseases and what is the hospitalization cost to cure these.

From all these reasons it becomes clear that Critical Illness plans are needed. Now a huge amount is required for the treatment of such serious diseases, here are treatment expenses to cure these diseases in the chart below:-

Diseases	Average Treatment Cost	No patients in India or deaths per year	Duration of Treatment
Cardio/CVD	2.5 Lakh to 5 lakh	272 deaths per 100000	Long with regular Dr Follow
Respiratory/Asthma/COPD	2 lakh to 10 lakh	1Millions per year	Long with regular Dr Follow
Cancer	5 lakh to 20 lakh	8.5 Lakh deaths per year	Long with regular Dr Follow up
Organ Failure	5 lakh to unlimited	300 deaths per day	Long with regular Dr Follow

This situation is very critical. In such a situation, taking a critical illness in addition to Term Life, Indemnity Health Insurance and Personal Accident Plan is beneficial.

Now the question is which critical illness plans should be considered. Here I am giving detailed information about the top 5 critical illness plans.

• Aditya Birla Health – Activ Secure Critical Illness
• HDFC Ergo General – Critical Illness Plan
• TATA AIG General – Critical Illness Plan
• Niva Bupa – Critical Illness Plan
• Manipal Cigna Criticare Plan

Now I’m digging for detailed information about each of the above plans

Aditya Birla Health – Activ Secure Critical Illness Plan

Synopsis– Aditya Birla Health Activ Secure Critical Illness is a fixed benefits product and offers in 3 variants with 20, 50 and 64 listed critical illness

Eligibility and Coverage

Parameters	Plan I	Plan II	Plan III
Entry Age	5-65 Years	5-65 Years	18-65 Years
Renewal	Lifetime or Claim Paid, whichever comes first	Lifetime or Claim Paid, whichever comes first	Lifetime or Claim Paid, whichever comes first
Sum Insured Eligibility	Maximum of 12X of Gross Annual Income	Maximum of 12X of Gross Annual Income	Maximum of 12X of Gross Annual Income
Sum Insured Eligibility for Family Members (Non Earning)	For Spouse-50% of SI or 30lakh of SI whichever is lower, For Parents/Parent in Law 50% of SI or 10lakh of SI whichever is lower, For Kids 50% of SI or 15 lakh of SI whichever is lower.	For Spouse-50% of SI or 30lakh of SI whichever is lower, For Parents/Parent in Law 50% of SI or 10lakh of SI whichever is lower, For Kids 50% of SI or 15 lakh of SI whichever is lower.	For Spouse-50% of SI or 30lakh of SI whichever is lower, For Parents/Parent in Law 50% of SI or 10lakh of SI whichever is lower, For Kids 50% of SI or 15 lakh of SI whichever is lower.
Sum Insured Offered	3 lakh to 1 Cr	3 lakh to 1 Cr	5 lakh to 1 Cr
Tenure	1,2 and 3 Years	1,2 and 3 Years	1,2 and 3 Years
Coverage Types	Individual / Multi-Individuals	Individual / Multi-Individuals	Individual / Multi-Individuals
List of Critical Illness Cover	20 Listed Critical Illness	50 Listed Critical Illness	64 Listed Critical Illness
List A & B of Critical Illness	List A for 1st 50 CI	List A for 1st 50 CI	List A for 1st 50 CI and List B for last 14 CI
Initial Waiting Periods	90 Days for List A	90 Days for List A	90 Days for List A & 180 Days for List B
Survival Periods	15 Days	15 Days	15 Days
2nd E Opinion (Optional Cover)	Yes	Yes	Yes
Permanent Exclusions	As per the Policy Wording	As per the Policy Wording	As per the Policy Wording
Tax Benefits	Under Section 80D	Under Section 80D	Under Section 80D
Pre-Existing Diseases	48 Months	48 Months	48 Months

Critical Illness List of Aditya Birla Health Activ Secure

Sr. No.	Name of Critical Illness	Payout as a % of S.I.in Plan I	Payout as a % of S.I.in Plan II	Payout as a % of S.I.in Plan III
1	Cancer of Specified Severity	100%	100%	100% for List A
2	Myocardial Infarction (First Heart Attack of specific severity)	100%	100%	100% for List A
3	Open Chest CABG	100%	100%	100% for List A
4	Open Heart Replacement Or Repair Of Heart Valves	100%	100%	100% for List A
5	Kidney Failure Requiring Regular Dialysis	100%	100%	100% for List A
6	Stroke Resulting In Permanent Symptoms	100%	100%	100% for List A
7	Major Organ / Bone Marrow Transplant	100%	100%	100% for List A
8	Permanent Paralysis Of Limbs	100%	100%	100% for List A
9	Multiple Sclerosis With Persisting Symptoms	100%	100%	100% for List A
10	Coma of Specified Severity	100%	100%	100% for List A
11	Motor Neuron Disease With Permanent Symptoms	100%	100%	100% for List A
12	Third Degree Burns	100%	100%	100% for List A
13	Deafness	100%	100%	100% for List A
14	Loss of Speech	100%	100%	100% for List A
15	Aplastic Anaemia	100%	100%	100% for List A
16	End Stage Liver Failure	100%	100%	100% for List A
17	End Stage Lung Failure	100%	100%	100% for List A
18	Bacterial Meningitis	100%	100%	100% for List A
19	Fulminant Hepatitis	100%	100%	100% for List A
20	Muscular Dystrophy	100%	100%	100% for List A
21	Parkinson’s disease	Not Cover	100%	100% for List A
22	Benign Brain Tumor	Not Cover	100%	100% for List A
23	Alzheimer’s Disease	Not Cover	100%	100% for List A
24	Aorta Graft Surgery	Not Cover	100%	100% for List A
25	Loss of Limbs	Not Cover	100%	100% for List A
26	Blindness	Not Cover	100%	100% for List A
27	Primary (Idiopathic) Pulmonary Hypertension	Not Cover	100%	100% for List A
28	Apallic Syndrome or Persistent Vegetative State (PVS)	Not Cover	100%	100% for List A
29	Encephalitis	Not Cover	100%	100% for List A
30	Chronic Relapsing Pancreatitis	Not Cover	100%	100% for List A
31	Major Head Trauma	Not Cover	100%	100% for List A
32	Medullary Cystic Disease	Not Cover	100%	100% for List A
33	Poliomyelitis	Not Cover	100%	100% for List A
34	Systemic Lupus Erythematous	Not Cover	100%	100% for List A
35	Brain Surgery	Not Cover	100%	100% for List A
36	Severe Rheumatoid Arthritis	Not Cover	100%	100% for List A
37	Creutzfeldt-Jakob disease	Not Cover	100%	100% for List A
38	Hemiplegia	Not Cover	100%	100% for List A
39	Tuberculosis Meningitis	Not Cover	100%	100% for List A
40	Dissecting Aortic aneurysm	Not Cover	100%	100% for List A
41	Progressive Supranuclear Palsy – resulting in permanent symptoms	Not Cover	100%	100% for List A
42	Myasthenia Gravis	Not Cover	100%	100% for List A
43	Infective Endocarditis	Not Cover	100%	100% for List A
44	Pheochromocytoma	Not Cover	100%	100% for List A
45	Eisenmenger’s Syndrome	Not Cover	100%	100% for List A
46	Chronic Adrenal Insufficiency	Not Cover	100%	100% for List A
47	Progressive Scleroderma	Not Cover	100%	100% for List A
48	Elephantiasis	Not Cover	100%	100% for List A
49	Cardiomyopathy – of specified severity	Not Cover	100%	100% for List A
50	Myelofibrosis	Not Cover	100%	100% for List A
51	Angioplasty	Not Cover	Not Cover	100% for List A and 50% or Rs. 10 Lakh, whichever is lower
52	Pericardectomy	Not Cover	Not Cover	100% for List A and 50% or Rs. 10 Lakh, whichever is lower
53	Ovarian tumour of borderline malignancy/low malignant potential – with surgical removal of an ovary	Not Cover	Not Cover	100% for List A and 50% or Rs. 10 Lakh, whichever is lower
54	Keyhole Coronary Surgery	Not Cover	Not Cover	100% for List A and 50% or Rs. 10 Lakh, whichever is lower
55	Severe Crohn’s disease – surgically treated	Not Cover	Not Cover	100% for List A and 50% or Rs. 10 Lakh, whichever is lower
56	Cardiac Defibrillator insertion or Cardiac Pacemaker insertion	Not Cover	Not Cover	100% for List A and 50% or Rs. 10 Lakh, whichever is lower
57	Carcinoma in-situ of the cervix uteri – requiring treatment with hysterectomy	Not Cover	Not Cover	100% for List A and 50% or Rs. 10 Lakh, whichever is lower
58	Carcinoma in-situ of the urinary bladder	Not Cover	Not Cover	100% for List A and 50% or Rs. 10 Lakh, whichever is lower
59	Carotid Artery Surgery	Not Cover	Not Cover	100% for List A and 50% or Rs. 10 Lakh, whichever is lower
60	Ductal or Lobular carcinoma in-situ of the breast – with specified treatment	Not Cover	Not Cover	100% for List A and 50% or Rs. 10 Lakh, whichever is lower
61	Small Bowel Transplant	Not Cover	Not Cover	100% for List A and 50% or Rs. 10 Lakh, whichever is lower
62	Severe ulcerative colitis – with operation to remove the entire large bowel	Not Cover	Not Cover	100% for List A and 50% or Rs. 10 Lakh, whichever is lower
63	Testicular carcinoma in situ – requiring surgery to remove at least one testicle	Not Cover	Not Cover	100% for List A and 50% or Rs. 10 Lakh, whichever is lower
64	Surgical removal of an eyeball	Not Cover	Not Cover	100% for List A and 50% or Rs. 10 Lakh, whichever is lower

HDFC Ergo General – Critical Illness Plan

Synopsis – HDFC Ergo offers the Critical Illness plan on the basis of fixed benefits plan with 3 variants Silver, Gold and Platinum which covers 8, 11 and 15 listed critical illnesses respectively

Eligibility and Coverage

Parameters	HDFC Ergo General Critical Illness Plan
Entry Age	5-65 Years
Sum Insured Eligibility	10-12 Times of Gross Annual Income
Coverage Types	Individual/ Multi-Individuals
Sum Insured Offeres	10 Lakh to 50 Lakh
Tenure	1 and 2 Years
List of Critical Illness Cover	8 CI for the Silver Plan, 11 CI for the Gold Plan and 15 CI for the Platinum Plan
Initial Waiting Periods	90 Days from the first inception date of Policy
Survival Periods	15 Days and 30 Days both optional Avalaible
2nd E Opinion	Yes
Permanent Exclusions	As per the policy wording
Tax Benefits	Under Section 80D of Income Tax
PED Waiting Periods	48 months from the first inception date of the policy

List of Critical Illness of HDFC Ergo General Critical Illness Plan

Sr.No.	Critical Illness covered	Silver	Gold	Platinum
1	Heart Attack (Myocardial Infarction)	100% of SI	100% of SI	100% of SI
2	Coronary Artery Bypass Surgery	100% of SI	100% of SI	100% of SI
3	Stroke	100% of SI	100% of SI	100% of SI
4	Cancer	100% of SI	100% of SI	100% of SI
5	Kidney Failure	100% of SI	100% of SI	100% of SI
6	Major Organ Transplantation	100% of SI	100% of SI	100% of SI
7	Multiple Sclerosis	100% of SI	100% of SI	100% of SI
8	Paralysis	100% of SI	100% of SI	100% of SI
9	Aorta Graft Surgery	Not Cover	100% of SI	100% of SI
10	Primary Pulmonary Arterial Hypertension	Not Cover	100% of SI	100% of SI
11	Heart Valve Replacement	Not Cover	100% of SI	100% of SI
12	Benign Brain Tumor	Not Cover	Not Cover	100% of SI
13	Parkinson’s Disease	Not Cover	Not Cover	100% of SI
14	Alzheimer’s Disease	Not Cover	Not Cover	100% of SI
15	End Stage Liver Disease	Not Cover	Not Cover	100% of SI

TATA AIG General – Critical Illness Plan

Synopsis– TATA AIG Criticare Policy is different from the Industry, that gives policyholders maximum benefits, e.g. 100 Critical Illness Cover, maximum 3 times claims, 70% waiver of premium for next 3 renewals after a claim, the option to select 0 Day survival periods that gives policyholders to ensure 100% claim to be paid, Cancer 360 Degree – Indemnity Cover, Hospital Cash benefits and many more, lets here plans features and benefits.

Eligibility and Coverage

Parameters	Smart Century Premier Plan	Smart Half Century Plan
Entry Age	18-65 Years	18-65 Years
Renewal	Lifelong or till reach the maxmium Claim	Lifelong or till reach the maximum Claim
Cover Type	Individual / Multi-Individuals	Individual / Multi-Individuals
Relationship Covers in Multi-Individuls Policy	“Self, spouse , dependent children, parents, parents-in-law, grand children, brother, sister, brother-in-law/Sister-in-law, nephew/niece”	“Self, spouse, dependent children, parents, parents-in-law, grand children, brother, sister, brother-in-law/Sister-in-law, nephew/niece”
Discount on Multi-Individuals Policy	7.5% for 2 or more Individuals in a single Policy	7.5% for 2 or more Individuals in a single Policy
Sum Insured Eligibility	As per the company internal UW & Financial Guidelines / based on case to case basis	As per the company’s internal UW & Financial Guidelines / based on case to case basis
Sum Insured Offers	5 Lakh to 2 Cr	5 Lakh to 2 Cr
Tenure	1,2 & 3 Years	As per the company’s internal UW & Financial Guidelines / based on case to case basis
Discount on Multi-Years Premium Payments	10% on 3 Years and 5% on 2 Years	10% on 3 Years and 5% on 2 Years
CI List of Category A,B and C	In A 39, B 33, C 28, Total 100 CI	In A 18, B 17, C 15, Total 50 CI
Claim in any one Category CI List – Policy impact	The policy will be active till the other 2 Categories of CI	The policy will be active till the other 2 Category of CI
Waiver of Premium	Waiver of 70% renewal premium for next 3 years	Waiver of 70% renewal premium for next 3 years
Health Check-Up	1% of SI after claim free year, max up to 10K	1% of SI after claim free year, max up to 10K
Survival Period	Option to select 0/7/15 Days Survival Periods from the date of diagnosed the listed CI	Option to select 0/7/15 Days Survival Periods from the date of diagnosed the listed CI
Maximum Claims in Lifetimes	Maximum up to 3 Claims once each under Category A/B/C payable during the lifetime of the Policy	Maximum up to 3 Claims once each under Category A/B/C payable during the lifetime of the Policy
Initial Waiting Periods	90 Days	90 Days
Second Medical Opinion	Yes	Yes
Pre-Existing Diseases Waiting Periods	48 Months	48 Months
Permanent Exclusions	As per the Policy wording	As per the Policy wording

Tata AIG Cri-Care Plan also Covers “Cancer 360 Degree” on an indemnity basis, coverage as per the below chart

Features	Coverage
In-Patient Treatment	Covers Medical Expenses up to the Sum Insured for Treatment of Cancer (including In-situ Cancer or any pre-cancerous lesions).
Day Care Treatment	Covers Medical expenses for Day Care Treatments up to the Sum Insured which an Insured Person undergoes due to Cancer (including In-situ Cancer or any pre-cancerous lesions).
Home Care for Cancer	Covers Medical expenses for Home Care Treatment for cancer up to the Sum Insured for the Insured Person’s Medically necessary Treatment at home
Chemotherapy and Radiotherapy Cover	Covers Medical Expenses up to the Sum Insured for availing chemotherapy (including Oral Chemotherapy) and Radiotherapy treatment, provided that the Medical Expenses are related to Cancer.
Advanced Treatment for Cancer	Covers Medical Expenses incurred for availing Advanced Treatments for Cancer up to the Sum Insured.
High-End Diagnostics	Covers the insured person for the listed diagnostic tests on an OPD basis if required as part of a medically necessary treatment subject to `25,000 per policy year.
Psychiatric Counselling	Covers expenses incurred for a consultation with a psychologist up to an amount of 2,000 per session if the same is availed by the insured Person for dealing with emotional/mental trauma after being diagnosed with Cancer. A maximum of 8 sessions can be availed under this benefit.
Pre Hospitalisation Cover	60 Days
Post Hospitalisation Cover	90 Days
Organ Doner Expenses	Up to the Sum Insured
OPD Cover	Yes
Hotel Accommodation	Yes
Transportation Expenses	Yes
Ambulance Cover	Yes
Palliative Care for Cancer	Yes
Health Checkups	Yes
2nd Medical Opinion	Yes
Consumable Cover	Yes

List of Smart Century Premier Plan Category A, B and C

Sr.No	Category A	Sr. No	Category B	Sr. No	Category C
1	Cancer of Specified Severity	40	Multiple Sclerosis with Persisting Symptoms	73	Creutzfeldt-Jakob disease
2	Kidney Failure requiring regular dialysis	41	Motor Neuron Disease with Permanent Symptoms	74	Progressive Scleroderma
3	Major organ/Bone Marrow Transplant	42	Alzheimer’s disease	75	Medullary Cystic Disease
4	Open Heart Replacement/Repair of Heart Valves	43	Benign brain tumour	76	Muscular dystrophy
5	Open Chest Coronary Artery Bypass Graft	44	Major Head Trauma	77	Poliomyelitis
6	Myocardial Infarction (First Heart Attack of specific severity)	45	Apallic syndrome	78	Systemic lupus erythematosus with renal involvement
7	Refractory heart failure	46	Deafness	79	Myasthenia gravis
8	Cardiomyopathy	47	Loss of speech	80	Good pasture syndrome with lung or renal involvement
9	Stroke resulting in permanent symptoms	48	Loss of limbs	81	Aorta Graft surgery
10	Permanent Paralysis of Limbs	49	Loss of independent existence	82	Bacterial Meningitis
11	Parkinson’s disease	50	Blindness	83	Encephalitis
12	Primary (Idiopathic) Pulmonary Hypertension	51	Third Degree Burns	84	Fulminant Viral Hepatitis
13	End Stage Lung Failure	52	Coma of specified severity	85	Crohn’s Disease
14	Rabies	53	Chronic Rheumatoid Arthritis	86	Ulcerative Colitis
15	End Stage Liver Failure	54	Pheochromocytoma	87	Autoimmune Hepatitis
16	Angioplasty	55	Eisenmenger’s Syndrome	88	Total Pancreatectomy
17	Chronic Aplastic Anemia	56	Chronic Adrenal Insufficiency	89	Tuberculosis Meningitis
18	Cerebral Aneurysm with Specified Surgery	57	Cardiac Pacemaker insertion	90	Dissecting Aortic aneurysm
19	Hemiplegia	58	Surgical removal of an eyeball	91	Elephantiasis
20	Chronic Relapsing Pancreatitis	59	Wilson’s disease	92	Myelofibrosis
21	Infective Endocarditis	60	Guillain Barre Syndrome (GBS)	93	Cystic Fibrosis
22	Pericardectomy	61	Age-Related Macular Degeneration	94	Total proctocolectomy
23	Percutaneous Heart Valve Replacement	62	Surgery for removal of Acoustic Neuroma	95	Toxic epidermal necrolysis (TEN)
24	Pneumonectomy	63	Major Brain Surgery	96	Chronic PAN (Polyarteritis Nodosa)
25	Bariatric Surgery	64	Complete Splenectomy	97	Adult Polymyositis
26	Percutaneous Transluminal Angioplasty of Renal Artery	65	Whipple procedure	98	Giant Cell Arteritis
27	Severe Progressive Supranuclear Palsy	66	Loss of sight of one eye and loss of one limb	99	Multiple System Atrophy
28	Surgical Removal of One Kidney	67	Embolization of Acquired AV fistula	100	HIV due to blood transfusion and occupationally acquired HIV
29	Total Glossectomy	68	Myoxomas
30	Budd–Chiari syndrome	69	Diabetes Insipidus
31	Carotid Angioplasty	70	Full dental reconstruction due to accident
32	Polycystic Kidney Disease	71	Keyhole Craniotomy
33	Primary Biliary Cirhosis	72	Terminal Illness
34	Cardiac Rupture
35	Total Laryngectomy
36	Cerebral Artery Bypass Surgery
37	Pulmonary Thromboembolism
38	Carotid endarterectomy Surgery
39	Spinal Surgery in case of Trauma

List of Smart Half Century Plan Category A, B and C

Sr. No	Category A	Sr.No	Category B	Sr. No	Category C
1	Cancer of Specified Severity	19	Multiple Sclerosis with Persisting Symptoms	36	Creutzfeldt-Jakob disease
2	Kidney Failure requiring regular dialysis	20	Motor Neuron Disease with Permanent Symptoms	37	Progressive Scleroderma
3	Major organ/Bone Marrow Transplant	21	Alzheimer’s disease	38	Medullary Cystic Disease
4	Open Heart Replacement/Repair of Heart Valves	22	Benign brain tumour	39	Systemic lupus erythematosus with renal involvement
5	Open Chest Coronary Artery Bypass Graft	23	Major Head Trauma	40	Aorta Graft surgery
6	Myocardial Infarction (First Heart Attack of specific severity)	24	Apallic syndrome	41	Bacterial Meningitis
7	Cardiomyopathy	25	Deafness	42	Encephalitis
8	Stroke resulting in permanent symptoms	26	Loss of speech	43	Fulminant Viral Hepatitis
9	Permanent Paralysis of the Limbs	27	Blindness	44	Crohn’s Disease
10	Parkinson’s disease	28	Third Degree Burns	45	Ulcerative Colitis
11	Primary (Idiopathic) Pulmonary Hypertension	29	Coma of specified severity	46	Dissecting Aortic aneurysm
12	End Stage Lung Failure	30	Chronic Rheumatoid Arthritis	47	Elephantiasis
13	Rabies	31	Pheochromocytoma	48	Myelofibrosis
14	End Stage Liver Failure	32	Eisenmenger’s Syndrome	49	Multiple System Atrophy
15	Angioplasty	33	Chronic Adrenal Insufficiency	50	HIV due to blood transfusion and occupationally acquired HIV
16	Chronic Relapsing Pancreatitis	34	Major Brain Surgery
17	Infective Endocarditis	35	Terminal Illness
18	Severe Progressive Supranuclear Palsy

Niva Bupa – Critical Illness Plan

Synopsis– Niva Bupa offers the Critical Illness Plan with listed 20 Critical Illnesses, with Individual and Family Floater Basis, Initial Waiting Periods 90 Days from the inception date of risk and 30 Days Survival Period from the diagnosis of the listed Critical Illness.

Coverage and Eligibility

Parameters	NivaBupa CritiCare Plan
Entry Age	18-65 Years
Sum Insured offers	Rs. 3 Lakh to Rs.300 Lakh
Policy Tenure	1,2 and 3 Years
Long Tenure Payment Discount	For 2 Years Payment 12.5% Discount on 2nd Year’s Premium and 3 Years Payment: 12.5% on 2nd Year’s Premium and 15% Discount on 3rd Year’s Premium
Coverage Type	Individual and Family Floater (Self and Spouse only)
Coverage Allocation	For Family Floater, Self 100% and Spouse 100%
Sum Insured Eligibility	Maximum 12 times for Salaried Employees and maximum 15 times for Business Persons for their Annual Income
Pre-Existing Waiting Periods	48 Months
Initial Waiting Periods	90 Days from the 1st Inception Date of risk start
Survival Periods	30 Days from the diagnosis of the Listed Critical Illness
Permanent Exclusions	As per the Policy Wording of the Plan
Renewal	Lifetime till the claim paid

List of Critical Illness of Niva Bupa Criticare Plan

Sr. No	Listed Critical Illness
1	Cancer of specified severity
2	Open chest CABG
3	First heart attack of specified severity
4	Open heart replacement or repair of heart valves
5	Stroke resulting in permanent symptoms
6	Permanent paralysis of limbs
7	Coma of specified severity
8	Kidney failure requiring regular dialysis
9	Major organ/bone marrow transplant
10	Motor neurone disease with permanent symptoms
11	Multiple sclerosis with persisting symptoms
12	End-stage liver disease
13	End-stage lung disease
14	Major burns
15	Loss of speech
16	Deafness
17	Aplastic anaemia
18	Bacterial meningitis
19	Fulminant viral hepatitis
20	Muscular dystrophy

Manipal Cigna Criticare Plan

Synopsis -From the list of Standalone Health Insurance, Manipal Cigna also offers a Critical Illness plan “Criticalcare”. The company provides Basic and Enhanced variants, which cover 15 and 30 Critical Illnesses, respectively. And the most probability is only one insurance company that provides up to 25 Cr of Maximum Sum Insured

Coverage and Eligibility

Parameters	Criticalcare Basic	Criticalcare Enhanced
Entry Age	18-65 Years	18-65 Years
Renewal	Lifetime /Till the Claim Paid	Lifetime /Till the Claim Paid
List of CI	15 Listed Critical Illness	30 Listed Critical Illness
Coverage Types	Individual / Multi-Individuals	Individual / Multi-Individuals
Relationships Covers	Self, Spouse, Dependent Parents, Dependent Parents-in Law, Children, children and dependent Siblings up to the age of 25 years and are unmarried.	Self, Spouse, Dependent Parents, Dependent Parents-in Law, Children, children and dependent Siblings up to the age of 25 years and are unmarried.
Tenure	1,2 and 3 Years	1,2 and 3 Years
Sum Insured Offers	1 Lakh to 25 Cr, in Multiple of 1000	1 Lakh to 25 Cr, in Multiple of 1000
Sum Insured Eligibility For Self	Maximum 10 Times of Annual Income	Maximum 10 Times of Annual Income
Sum Insured Eligibility For Self Relationship	For Non-Earning Spouse 60% ; Children 30% ; Parents/Parents-In Law 30% and Siblings 30% of Earning Member	For Non-Earning Spouse 60% ; Children 30% ; Parents/Parents-In Law 30% and Siblings 30% of Earning Member
Claim Pay-Out Options	Lumpsum / Staggered	Lumpsum / Staggered
Lumpsum Payout	100% of Sum Insured once diagnosed the listed Critical Illness(s)	100% of Sum Insured once diagnosed the listed Critical Illness(s)
Staggered Payout	25 % of SI and 75%+10% (Additional), will be paid next 60 Months Monthly Mode, but can be claimed 100% option as well, if even policyholders opted for Staggered Pay-out Option	25 % of SI and 75%+10% (Additional), will be paid next 60 Months Monthly Mode, but can be claimed 100% option as well, if even policyholders opted for Staggered Pay-out Option
Discounts	10% if more than 2 family members conver in Single Policy & 7.5% for 2 Years Payment and 10% for 3 Years Payment	10% if more than 2 family members conver in Single Policy & 7.5% for 2 Years Payment and 10% for 3 Years Payment
Permanent Exclusions	As per the Policy Wording of the plan	As per the Policy Wording of the plan

List of Critical Illnesses of ManipalCigna Criticalcare Plan– The first 15 Critical Illnesses are covers in the Basis Plan and all 30 Critical Illness covers in the Enhanced Plan

Sr. No	Critical Illness List
1	Cancer of Specific Severity
2	First Heart Attack of Specific Severity
3	Open Chest CABG
4	Open Heart Replacement or Repair of Heart Valves
5	Coma of Specified Severity
6	Kidney Failure Requiring Regular Dialysis
7	Stroke Resulting in Permanent Symptoms
8	Major Organ / Bone Marrow Transplant
9	Permanent Paralysis of Limbs
10	Motor Neurone Disease with Permanent Symptoms
11	Multiple Sclerosis with Persisting Symptoms
12	Primary Pulmonary Hypertension
13	Aorta Graft Surgery
14	Loss of Hearing
15	Loss of Sight
16	Coronary Artery Disease
17	Aplastic Anaemia
18	End Stage Lung Disease
19	End Stage Liver Failure
20	Major Burns
21	Fulminant Hepatitis
22	Alzheimer’s Disease
23	Bacterial Meningitis
24	Benign Brain Tumor
25	Apallic Syndrome
26	Parkinson’s Disease
27	Medullary Cystic Disease
28	Muscular Dystrophy
29	Loss of Speech
30	Systemic Lupus Erythematous

–

Consider the Important Points while buying the Critical Illness Plans

On the basis of needs, plan’s features benefits and coverage, there are a few important points need to be considered, the Survival Periods need to be very low days, the list of Coverage of Critical Illness, Initials waiting periods, flexibility, multi-Claims Options, premium rates etc.

Important questions and their answers, from the above-mentioned Plans

• Why Critical Illness Plans differ from Indemnity Health, Term and Personal Accidents Plans?– This type of policy is useful when the insured person suffers from some incurable disease and he gets 100% of the sum insured or even more than that, depending up on the plans and features. So that apart from the treatment of his disease, the insured person can use this amount anywhere.
• What will be impact in policy, when 100% claim paid? – Policy will be discontinue or will be payable on the other catogary of list of mentioned critical Illness , depending up on the plans and their features, if it will continue policyholders need to pay the renewal premiums as well, in TATA AIG plans some part of premium waiver applicable for the next three renewals.
• What is the initial waiting period, survival waiting period? – In critical illness plans initials waiting periods is waiting periods from the date of risk cover start and the listed critical illness diagnosed to the policyholders and survival periods is the periods when the date of diagnosed the listed critical illness and and the survival of policyholders, it can be vary from plans to plans.
• What is the meaning of permanent exclusion?– Terms and conditions where claim will not be paid and it is mentioned of the plans policy wording / technical literature by the insurance company.
• What happen till when the listed Critical Illness(s) will not be diagnosed to the policyholders? – Diagnosis listed Critical Illness is the liabilities for the company, So premiums is reward to them.
• Is there any Tax Benefits to the Policyholders? – Yes, under section 80D of Income Tax Act, in All criticall illnesse plans

Disclaimer - All the medical terms mentioned in this article is totally based on the insurance plans information, we are not suggesting any medical advice. This article is purely for informative, education and awareness to all the stakeholders of the industry