Buy 6 Critical Illness Benefits Cover for just ₹252/year.

What is the 6 Critical Illness Benefit?


In general, health insurance and life insurance plans are effective in paying for general health concerns. However, critical illnesses are usually not covered under such schemes due to their severity and long-term duration. Hence, it is beneficial for any individual to sign up for an insurance plan that covers critical illnesses. This decision can provide financial as well as life security.


The 6 Critical Illness Benefit plan offered by Manipal Cigna Health Insurance in partnership with Bajaj Markets is a comprehensive insurance policy that covers 6 kinds of critical illnesses, as the name suggests. The minimum sum insured in this plan is ₹1 lakh, and the maximum is ₹3 lakhs. The premium amounts vary based on age groups. 


To learn more about the 6 Critical Illness Benefit plan, continue reading!

Key Features of 6 Critical Illness Benefit


Key features of the 6 Critical Illness Benefit provided by Manipal Cigna Health Insurance:


  • Financial Security: This plan covers critical illnesses that usually incur heavy financial charges. Hence, individuals and families will remain financially secure even during challenging times. 


  • Flexible Plans: The 6 Critical Illness Benefit plans are not rigid and come with different payable premium amounts. Therefore, the flexibility of this policy makes it a perfect fit for everyone. 


  • Easy to Apply: Since the entire application process is online, signing up for this insurance is simple and hassle-free. 

How to Apply For 6 Critical Illness Benefit?

The 6 Critical Illness Benefit application process is easy and can be done by anyone. You will just have to follow the given steps:

  • Step 1: Click on ‘Buy Now’

    After arriving at the product page, select the ‘Buy Now’ option.

  • Step 2: Fill in Your Details

    Next, you will be asked to provide all your basic details in the application form.

  • Step 3: Make the Payment

    Proceed with the payment through any of the online modes, such as UPI, net banking, credit/debit card.

After successful payment, your insurance plan details will be shared in your e-mail. Therefore, the above four quick and easy steps will help you sign up for the comprehensive 6 Critical Illness Benefit insurance plan. 

Eligibility Criteria


While insurance policies always seem to be complicated, this one is not like that. The eligibility criterion for this policy is:


  • The applicant must be aged between 18 and 65. 


What’s Covered?


As you can understand from the name, six critical illnesses are covered under the 6 Critical Illness Benefit policy. They are as follows:

Heart Valve Replacement

Anatomically, valves are structures that help in unidirectional blood flow to and from the heart. However, in some cases, the valves may not function properly and give rise to different complications. Situations like this give rise to the need for heart valve replacement, in which the defective valve is either corrected or replaced. 

Cancer Treatment

Uncontrolled growth of cells result in a condition called cancer. Tumours, malignant in nature, characterise most cancers. These tumours possess the ability to spread all over the body from their location. 

Kidney Transplant

Kidney transplant refers to the surgical method of removing a non-functional liver and replacing it with a functional one received from a donor. Kidney transplants are usually opted for at the last stages of renal failure. 

Lung Transplant

Usually performed at the last stages of lung diseases, a lung transplant is similar to a kidney transplant. In this case, a non-functional lung is removed by surgeons, and a healthy donor lung is provided in its place. 

Liver Transplant

Similar to heart and kidney transplants, liver transplant surgeries are performed to replace a deteriorating liver with a healthy one. However, unlike the previous two transplants, just a piece of a healthy liver can also be transplanted. This surgery is recommended at the last stages of liver disease. 

Coronary Artery Bypass Surgery

This surgery is performed on individuals with severe coronary heart diseases resulting in plaque build-up in the coronary arteries. This build-up prevents oxygen from reaching the heart, which might cause heart attacks. In coronary artery bypass surgery, surgeons introduce a healthy artery to the blocked one to ensure the heart gets its oxygen. 

Policy Plan Details & Specifications


It is important to understand the details and specifications of the 6 Critical Illness Benefit. Read on to find out:


  • This insurance policy is valid for a year. 


Insurance Coverage and Premium

This policy has three kinds of insurance coverage - ₹1 lakh, ₹2 lakhs, and ₹3 lakhs. The premium amounts vary based on the age group to which the insured person belongs. 



Here is more information regarding that:


  •  For the ₹1 lakh policy, the premium amounts are ₹252, ₹931, and ₹5,049 for age groups 18-35, 36-55, and 56-65, respectively. 


  • For the ₹2 lakh policy, the premium amounts are ₹474, ₹1,807, and ₹9,885 for age groups 18-35, 36-55, and 56-65, respectively. 


  • For the ₹3 lakh policy, the premium amounts are ₹697, ₹2,683, and ₹14,722 for age groups 18-35, 36-55, and 56-65, respectively.


Waiting Period



The waiting period is the time an insured person has to wait before they can use their insurance benefits. For the 6 Critical Illness Benefit, the waiting period is 90 days. 

Survival Period

Survival period refers to the minimum duration an insured person should survive to get their critical illnesses insurance. In this case, the duration is 30 days beyond the waiting period. 


What’s Not Covered?


Before you sign up for the 6 Critical Illness Benefit, it is essential to know all about the exclusions from this policy. Here you will find the relevant information: 


Open Chest Coronary Artery Bypass Surgery: Procedures like angioplasty and other intra-arterial surgeries are not covered in this scheme. 


Coma: Excessive drug or alcohol abuse leading to coma is excluded. 


Catheter-Based Heart Procedures: Procedures like valvuloplasty and balloon valvotomy, which are catheter-based, are not covered by the 6 Critical Illnesses Benefit. 


Certain Cancers: The types of cancers not covered under this plan are:


  • Tumours that are characterised as benign, borderline malignant, pre-malignant, low malignant, non-invasive, or neoplasm with unknown origin 
  • Any kind of non-melanoma skin carcinoma without metastases
  • Malignant melanoma that is limited to the epidermal layers
  • Tumours due to HIV
  • Prostate tumours of low severity
  • Thyroid cancers of low severity
  • Non-invasive papillary cancer in the bladder region
  • Chronic lymphocytic leukaemia of low severity
  • Gastrointestinal stromal tumours of low severity


Heart Issues of Specific Severity: Certain cardiac complications of specific severity are exempted from the 6 Critical Illness Benefit policy. These are:


  • Any form of angina pectoris
  • Acute coronary syndromes
  • Rise in Troponin T or Troponin I, which are cardiac biomarkers, after any intra-arterial procedure or despite the absence of ischemic heart diseases. 


How to Make a Claim?


To make your claim, you can use one of these two options: 


  • Call: Use the toll-free number 1800-102-4462 to file your claim. 


Customer Care Details

Connect with us at Bajaj Markets, you can easily reach out to us at 


Frequently Asked Questions (FAQs) About 6 Critical Illness Benefit

  • ✔️What is the validity of 6 Critical Illness Benefit?

    The 6 Critical Illness Benefit policy is valid for a year. It has three different coverage amounts: 1 lakh, 2 lakhs, and 3 lakhs.

  • ✔️What is the minimum age requirement for 6 Critical Illness Benefit?

    The minimum age requirement is 18 years, and the maximum age to enjoy these benefits is 65 years.

  • ✔️Which six critical illnesses are covered in this policy?

    This policy covers six critical illnesses: lung transplant, liver transplant, kidney transplant, cancer treatment, heart valve replacement, and coronary artery bypass surgery.