Health Insurance and Life Insurance policies provide you cover for general medical benefits, however, in case of critical illness the expense can be high and long term which is generally not covered under a health or life insurance policy. Hence having a critical illness policy is a small investment for a heavy financial pressure that can be levied on you due to any critical illness.
To provide additional benefits in instances of critical illnesses, Bajaj Finance has formed its Lifestyle Protection Group Insurance Policy Critical Illness Cover – 6 Critical Illnesses from Manipal Cigna Health Insurance which provides benefit of 6 critical illness (Cancer of specific severity, Myocardial Infarction, Open chest CABG, Open Heart replacement or repair of heart valves, Coma of specified severity, kidney failure requiring regular dialysis) with a sum insured upto Rs. 3 Lakhs.
Plan/ Membership Fee Details
Plan Validity: The policy is valid for a period of 1 year.
What's Covered
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Cancer Treatment
Cancer means the uncontrolled growth of cells which can destroy the normal tissues and also invade the surrounding structures. The cells can also spread to other parts of the body. Cancer is also known as Carcinoma, Malignant Tumour etc. Examples of cancer are Lung Cancer, Breast Cancer and Cervical Cancer.
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Coronary Artery By-Pass Surgery
Coronary artery bypass grafting (CABG) is a type of surgery that improves blood flow to the heart to treat people who have severe coronary heart disease (CHD). CHD is a disease in which a waxy substance called plaque builds up inside the coronary arteries and reduces the flow of oxygen-rich blood to the heart and may lead to a heart attack. During CABG, a healthy artery or vein from the body is connected, or grafted, to the blocked coronary artery.
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Heart Valve Replacement
This is a surgical procedure during which surgeons may remove a damaged valve from the heart and substitute a healthy one/ repair the existing valve. Four valves direct blood to and from the body through the heart and any of these valves may malfunction and result in symptoms. These symptoms may progressively worsen unless the damaged valve/valves are repaired/replaced.
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Lung Transplant Surgery in case of End Stage Lung Disease
A lung transplant is a surgical procedure to replace a diseased or failing lung with a healthy lung, usually from a deceased donor to treat lung disease. During a lung transplant, surgeons remove your diseased lung and then attach a donor lung to your airway and to the blood vessels that lead to and from your heart.
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Kidney Transplant Surgery in case of End Stage Renal Failure
A kidney transplant is a surgery done to replace a diseased kidney with a healthy kidney from a donor to treat kidney failure. The kidney may come from a deceased organ donor or from a living donor. Family members or others who are a good match may be able to donate one of their kidneys.
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Liver Transplant Surgery in case of End Stage Liver Disease
A liver transplant is a surgical procedure that removes a liver that no longer functions properly (liver failure) and replaces it with a healthy liver from a deceased donor or a portion of a healthy liver from a living donor, to treat liver disease.
Waiting Period
Survival Period – It is the normal waiting period a person needs to survive beyond Waiting period of 90 days in case of 6 critical illness mentioned.Waiting Period Name
Duration
Critical Illness Waiting Period
90 days
Survival Period
30 days
What is Not Covered?
1) Cancer of specific severity
- i. All tumors which are histologically described as carcinoma in situ, benign, pre-malignant, borderline malignant, low malignant potential, neoplasm of unknown behavior, or non-invasive, including but not limited to: Carcinoma in situ of breasts, Cervical dysplasia CIN-1, CIN -2 and CIN-3.
ii. Any non-melanoma skin carcinoma unless there is evidence of metastases to lymph nodes or beyond; iii. Malignant melanoma that has not caused invasion beyond the epidermis;
iii. All tumors of the prostate unless histologically classified as having a Gleason score greater than 6 or having progressed to at least clinical TNM classification T2N0M0
iv. All Thyroid cancers histologically classified as T1N0M0 (TNM Classification) or below;
v. Chronic lymphocytic leukaemia less than RAI stage 3
vi. Non-invasive papillary cancer of the bladder histologically described as TaN0M0 or of a lesser classification,
vii. All Gastro-Intestinal Stromal Tumors histologically classified as T1N0M0 (TNM Classification) or below and with mitotic count of less than or equal to 5/50 HPFs;
viii. All tumors in the presence of HIV infection.
2) Myocardial Infarction (First Heart Attack of Specific Severity)
i. Other acute Coronary Syndromes;
ii. Any type of angina pectoris.
iii. A rise in cardiac biomarkers or Troponin T or I in absence of overt ischemic Heart disease OR following an intra-arterial cardiac procedure.
3. Open Chest CABG
Angioplasty and/or any other intra-arterial procedures
4. Open Heart Replacement or Repair of Heart Valves
Catheter based techniques including but not limited to, balloon valvotomy/ valvuloplasty are excluded.
5 Coma of Specified Severity
Coma resulting directly from alcohol or drug abuse is excluded.
*For a full list of exclusions, please refer to the policy wordings.
How to apply
1
Click on ‘Apply Now’ button and share your basic details in the online application form.
2
Check and confirm your application by entering the OTP received on your mobile number.
3
Pay the premium via credit/debit card, UPI, mobile wallet, or any other available online payment mode.
4
You will receive the details of your membership via email/whatsapp.
Claim process
- Insurer’s Email: servicesupport@manipalcigna.com
- Insurer’s Toll free number: 1800-102-4462
Contact Us
Disclaimer - *Conditions apply. This product is offered under the Group Insurance scheme wherein Bajaj Finance Limited is the Master policyholder. The insurance coverage is provided by our partner Insurance Company. Bajaj Finance Limited does not underwrite the risk. IRDAI Corporate Agency Registration Number CA0101. The above-mentioned benefits and premium amount are subject to various factors such as age of insured, lifestyle habits, health, etc (if applicable). BFL does NOT hold any responsibility for the issuance, quality, serviceability, maintenance and any claims post sale. This product provides insurance coverage under ManipalCigna FlexiCare Group Insurance Policy, UIN: MCIHLGP20120V011920. Purchase of this product is purely voluntary in nature. BFL does not compel any of its customers to mandatorily purchase any third-party products.”