Enjoy the 36 Critical Illnesses Benefit, starting at just Rs. 399.   Buy Now

What is 36 Critical Illnesses Benefit?

Critical illnesses are serious health concerns in the life of every individual. The results are devastating for the person who suffers, and everyone related also has to go through mental exhaustion. 


However, one can always plan to remain financially afloat amid such choppy times. Several critical illnesses, such as cardiovascular disease (CVD), have an occurrence rate of 272 out of every 100,000 individuals. In contrast, other acute illnesses have shown an upward trend of 200+ occurrences out of every 100,000, as per NIH


Bajaj Markets, in collaboration with Manipal Cigna Health, is now providing coverage of 36 of the most critical diseases that have been viewed as 'Most Common' in India. Starting at just ₹310, this plan has been turning quite some heads. 


How to apply for 36 Critical Illnesses Benefits?

The process of application for this plan is hassle-free.

  • Click on “Buy Now”

    On the product page, tap "Buy Now."

  • Fill in the Details

    Enter the necessary information in the online application form.

  • Make the payment

    Complete the payment through UPI, credit/debit card or any other online payment method.

Eligibility Criteria

The criteria are as such anyone can apply and buy the plan. However, for better clarity, the requirements are given below

  1. Nationality: The applicant must be a citizen of India.

  2. Age: Anyone between the age of 18 and 65 is eligible.

What's Covered

Besides 36 critical illnesses benefits, the policy also covers accidental death and disappearance. Given below is a detailed breakdown of the mentioned cases. 

Death or Disappearance

  1. In the case of accidental death, the nominee of the policyholder is liable to get the sum insured. 

  2. The disappearance of the insured is also considered. However, for a nominee to claim the sum insured in such a case, the policyholder's death certificate is required.  

Permanent Partial Disablement

In the case of an accident, if the insured suffers a partial disablement, the policyholder can request a claim. The table below provides a detailed view of the insured cap versus the nature of disablement. 

Type of Permanent Partial Ailment 

Sum Insured Percentage Reimbursed

Total loss of eyesight for a single eye, beyond recovery


Total loss of eyesight for a single eye, beyond recovery


Loss of a single limb - foot or hand


Loss of all toes in a single limb


Loss of toe great - any single foot


Loss of toe except great. Each for one limb


Complete hearing loss in both ears, beyond recovery


Complete hearing loss in a single ear, beyond recovery


Loss of speech, beyond recovery


Loss of all fingers in a single hand. 


Four fingers dysfunctional or lost in a single hand


Loss of thumb, one phalanx


Loss of thumb, both phalanges


Index finger loss - three phalanges


Index finger loss - two phalanges


Index finger loss - one phalanx


Loss of either ring, middle or little finger - three phalanges


Loss of either little, middle, or ring finger - two phalanges


Loss of either little, middle, or ring finger - one phalanx 


Permanent Total Disablement

If the policyholder is involved in an accident that results in complete disablement, one can raise a ticket for a claim. The acceptable instances are as follows:

  1. Loss of eyesight in both eyes, beyond recovery.
  2. Complete separation or loss of either both feet or both hands.
  3. Loss or separation of one foot and hand. 
  4. Loss of a single limb and total blindness in a single eye.
  5. Complete deafness.
  6. Any form of disablement where the insured cannot apply or get employed by an organization. Such a disablement doesn't need to fall under the mentioned list. The outcome is judged here. 

Coverage of 36 Critical Illnesses

Given below is a list of all the critical illnesses that are covered.

Covered Illnesses

Cancer of a determined severity

Myocardial Infarction and First Heart attack of determined severity

Open Chest CABG

Repair of Heart Valves or Open Heart Replacement

Coma of determined severity

Regular Dialysis due to kidney failure

Stroke that results in permanent symptoms

Bone marrow transplant or a major organ failure

Permanent disablement of limbs

Motor neuron disease resulting in permanent symptoms

Multiple sclerosis resulting in persistent symptoms

Primary pulmonary hypertension

Aorta graft surgery

Loss of hearing, referred to as deafness

Loss of sight, referred to as blindness

Aplastic Anemia

Coronary artery disease

Lung disease - end stage

Liver failure - end stage

Major Burns, referred to as third degree burns

Fulminant hepatitis

Alzheimer’s disease

Bacterial meningitis

Benign brain tumor

Apallic syndrome

Parkinson’s disease

Medullary cystic disease

Muscular dystrophy

Speech loss

Systemic Lupus Erythematosus

The insured can file a claim anytime if he/she undergoes any of the listed conditions. However, no claim will be accepted until the wait time of 30 days is over.

Policy Plan Details & Specifications

Coverage limit

The coverage limit varies for different age bands. A detailed breakdown has been provided in the table below.

36 Critical Illnesses Benefit


Age Group

1 Lakh

2 Lakhs

3 Lakhs

Premium including GST

18 to 35




36 to 55




56 and above





The tenure of the plan is valid for one year. 

What’s not Covered?

As an affordable health insurance plan with substantial coverage, many consider it a great choice. However, there are some exclusions that are listed below.

  • Pre-existing disease: The policyholder cannot claim the sum insured in case of a condition that existed before or during the enrolment. Even if the illness is listed, the insured can only enjoy the health benefits only after the wait time is over. 


One can refer to the policy wordings to view the full exclusions list. 

How to Make a Claim?

The insured can raise a ticket for a claim by using any of the mentioned processes.

  • Call: The policyholder can call the toll-free number 1800-102-4462 and raise a ticket.
  • Email: The policyholder can also drop a mail at servicessupport@manipalcigna.com with the available information. 

Customer Care Details

Any questions regarding the policy, coverage, processes, exclusions and claims are clarified through email. One can write to us at insuranceconnect@bajajfinservmarkets.in

Frequently Asked Questions

How many times can a claim be made?

The insured is entitled to receive the claim once only. After the insured sum is claimed, the policy is no longer deemed valid. 


Can I get a claim after being diagnosed with a listed condition after 15 days of enrolment?

The insured cannot make a claim after 15 days of enrollment. The minimum waiting time is 30 days. Therefore, the policyholder is entitled to health benefits after 30 days of registration.

Who benefits from the plan?

Ideally, the insured is the one who benefits from this plan. The Trip Curtailment Cover plan can be bought for self or anyone else. 


Who gets the sum insured in case of a death or disappearance?

The nominee is entitled to the sum insured in case of disappearance or death of the insured life. However, a death certificate is necessary to claim the insured sum. 


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