Buy 15 Critical Illness Benefits Cover for just ₹274/year. BUY NOW

What are 15 Critical illness benefits?

Critical illnesses are life-threatening diseases that require long-term medications to be cured or kept under control. These can likely give rise to the need for mechanical support to the vital organs for their proper functioning. 


In India, a significant part of the population suffers from critical illnesses due to their poor food habits and lifestyle, as per the surveys conducted by Health and Family Welfare statistics reports. 


Moreover, critical illnesses are not easily curable. These long-term illnesses can have serious financial implications for any individual or family. So, securing yourself by taking the critical illness benefits through an insurance policy is wise. 


Bajaj Markets has developed a lifestyle protection policy with critical illness coverage from Manipal Cigna Health Insurance. It covers major 15 critical illnesses and provides you with benefits of up to ₹3 lakhs to curb your financial burden. 


To learn more about the 15 Critical Illness Benefits, continue reading!

Key Features of 15 Critical Illness Benefits:

Several features make the 15 Critical Illness Policy cover trustworthy.

Here are some of the main features of this policy:

  • Financial Reliability: This coverage ensures financial support to any individual and family to sustain themselves in any critical illness.

  • Flexible Coverage: With benefits of up to ₹3 lakhs and flexible premium amounts, you can easily cover the expenses related to your critical illness.

  • Expansive Coverage: This insurance plan covers 15 kinds of critical illnesses. Hence, the plan provides expansive and comprehensive coverage that can be utilised during most medical emergencies.

How to Apply for the 15 Critical Illness Benefits cover

Applying for the 15 Critical Illness Benefits cover is pretty easy. You just need to follow the steps below:

  • Step 1: Click on “Buy Now”

    After you reach the web page for this product, you need to choose the ‘Buy Now” option.

  • Step 2: Fill In Your Required Details

    Proceed with the application by filling in your details.

  • Step 3: Make the Payment

    Make the payment for your premium plan through any online mode like UPI, Net Banking, Credit card, Debit card, etc.

Eligibility Criteria

The eligibility criteria for this 15 critical illness benefits plan are not at all complex. Moreover, there is only one criterion: 

  • The person applying for this plan must be aged at least 18 and should not be above 65. Age is taken into consideration from the last birthday.

What’s Covered?

This cover includes 15 major critical illnesses. 

An insured person can claim benefits for any critical illnesses mentioned below:

  • Deafness (Loss of Hearing): This is also known as presbycusis. It is caused by damage to the inner ear or nerve.
  • Myocardial Infarction (First Heart Attack – of Specific Severity): In this case, a portion of the heart muscle dies due to an inadequate blood supply.
  • Aorta Graft Surgery: This includes supporting the metal wires inserted in the thoracic aorta to prevent aorta aneurysm bursting.
  • Coma of Specified Severity: It is a state of unconsciousness without reacting to external stimuli.
  • Multiple Sclerosis with Persisting Symptoms: In this illness, the most common symptoms are loss of control and coordination, abnormal muscle spasms, muscle weakness, visual problems, problems in speech, and so on.
  • Kidney Failure Requiring Regular Dialysis: Kidneys do not function properly at the end stages of renal failure or many other life-threatening diseases. In such cases, dialysis is required for the rest of an individual’s life.
  • Open Heart Replacement or Repair of Heart Valves: In this situation, surgical approaches are used to replace damaged heart valves.
  • Major Organ/ Bone Marrow Transplant: This is generally done in the case of certain cancers. It includes the involvement of stem cell filtration and transferring them back to the patient or donor.
  • Permanent Paralysis of Limbs: This is an irreversible condition in which the muscle never regains function. 
  • Open Chest CABG: CABG refers to Coronary Artery Bypass Surgery. This is done to bypass the blocked coronary artery.
  • Motor Neuron Disease with Permanent Symptoms: This may include various symptoms like loss in body weight, muscle cramps, twitches, difficulty swallowing food, and so on.
  • Primary Pulmonary Hypertension: This rare lung disorder results in high blood pressure in the lungs.
  • Cancer of specific severity: This is a condition of malignant tumours that ultimately leads to the destruction of normal cells due to the uncontrolled growth of tumours.
  • Stroke Resulting in Permanent Symptoms: Due to lack of blood supply in the brain, strokes can result in permanent symptoms like paralysis or loss of muscle movement.
  • Blindness (Loss of Sight): The permanent loss of vision that can not be corrected using glasses or contact lenses.
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Policy Plan Details and Specifications

  • Sum insurance of ₹1 lakh: The premium amounts are ₹274, ₹1,014, and ₹5,526 for age groups 18-35, 36-55, and 56+, respectively.

  • Sum insurance of ₹2 lakh: The premium amounts are ₹519, ₹1,970, and ₹10,820 for age groups 18-35, 36-55, and 56+, respectively.

  • Sum insurance of ₹3 lakh: The premium amounts are ₹764, ₹2,925, and ₹16,115 for age groups 18-35, 36-55, and 56+, respectively.

  • Waiting period: The waiting period refers to the period you must wait before getting your insurance benefits. The waiting period duration for this policy is 90 days.

  • Survival period: This refers to the duration the insured person must survive after being diagnosed with a critical illness. The survival period for this policy is 30 days, beyond the 30 days waiting period. 

What’s not covered?

No pre-existing condition would be covered under this policy.

How to make a Claim?

The process of claiming your policy is simple and does not consume much time. 

You can get your claim benefits by following two options:

  • Call: You can also claim your policy by making a call at the toll-free number, 1800-102-4462

Customer Care Details

You can get in touch with us using We will revert to you at the earliest.

Frequently Asked Questions (FAQs) About 15 Critical Illnesses Benefits

What is the total insurance amount of the 15 Critical Illness Benefits insurance?

You can avail of a maximum sum of ₹3 lakhs from this insurance policy.

What are the eligibility criteria for applying to this 15 Critical Illness Benefits insurance?

The candidate must be aged between 18 and 65 to apply for 15 Critical Illness Benefits.

What conditions are not covered by the 15 Critical Illness Benefits policy?

Any pre-existing condition is not under the coverage of this plan.

What conditions are covered in the 15 Critical illness benefits policy?

The policy covers major critical illnesses like cancer, coma, multiple sclerosis, and bone marrow transplant, which require long-term medications. You can read all the critical illnesses covered in this scheme above.

What are the benefits of the 15 Critical Illness Benefits policy?

This policy helps you by providing maximum coverage of ₹3 lakhs for your financial stability. Furthermore, the plan disbursal is quick and easy.

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