Cigna Critical Illness Health Insurance

This plan addresses the financial implications of serious health conditions, reflecting the essential role such coverage plays in comprehensive health insurance.

In essence, a critical illness plan is designed to safeguard policyholders from the financial burden associated with severe health issues. In the article below, we will cover the ins and outs of the Cigna critical illness health insurance plan, shedding light on its salient features, exclusions, inclusions, and other important considerations.

An Overview of Critical Illness Insurance

Critical illness insurance is a specialised health coverage that provides a lump sum payment to policyholders diagnosed with specific critical illnesses. Unlike regular health insurance that covers medical bills and hospitalisation costs, critical illness health insurance helps manage the economic strain of a severe health condition, which includes life-threatening and catastrophic medical conditions.

General Inclusions of a Critical Illness Health Insurance

Critical illness health insurance plans cover an array of severe conditions. While the exact list of covered conditions varies from one provider to another, you can check out the common illnesses usually included here -

Major Organ Transplant
Cancer
Heart Attack
Stroke
Coronary Artery Bypass Surgery
Kidney Failure
Paralysis

General Exclusions from a Critical Illness Health Insurance

While critical illness health insurance provides substantial coverage, it’s essential to be aware of what it does not include. Certain conditions resulting from lifestyle habits such as smoking, drinking, drugs, or substance abuse are not covered. Moreover, it does not cover diseases like HIV or pregnancy-related complications, childbirth issues, or congenital diseases. Lastly, if death occurs within 30 days of diagnosis, the policy does not provide coverage.

Other Cigna Health Insurance Plans

Cigna - Healthguard International WWE General

Cigna - Healthguard International WWE General Plus

Cigna - Healthguard Regional General

Cigna - Healthguard Regional General Plus

Cigna Critical Health Insurance Plans

In this table, we have detailed the unique features and benefits of the 4 Cigna critical illness health insurance plans -

Cigna Healthguard International WWE General	All the features of the Regional General Adult vaccination coverage up to AED 7,500 ($2,000) Prescribed drugs and dressings up to AED 18,000 ($5,000) Non-emergency mental health treatments up to AED 12,000 ($3,265) Companion accommodation up to AED 100 ($28) Hospital accommodation for a parent or legal guardian up to AED 1,000 ($270 Home nursing up to AED 18,000 ($5,000) Expanded network In-patient maternity services with a 10% mandatory co-pay Private room type
Cigna Healthguard Regional General Plus	Maternity coverage In-patient services Out-patient services Dental emergency treatment Alternative medicine coverage Fees related to consultants, surgeons, and anaesthetists Local road and air ambulance services Home nursing up to AED 9,000 ($2,500) Cancer treatment General Plus network
Cigna Healthguard International WWE General Plus	All features of International WWE General General Plus network
Cigna Healthguard International WWE General	All features of the Regional General Adult vaccination coverage up to AED 7,500 ($2,000) Prescribed drugs and dressings - up to AED 18,000 ($5,000) Non-emergency mental health treatments up to AED 12,000 ($3,265) Companion accommodation up to AED 100 ($28) Hospital accommodation for a parent or legal guardian - up to AED 1,000 ($270) Home nursing up to AED 18,000 ($5,000) Expanded network In-patient maternity services with a 10% mandatory co-pay Private room type

Things to Consider When Buying a Critical Illness Health Plan

When buying a critical illness health plan, keep the following key points in mind -

Scope of Coverage: Make sure that your chosen plan covers a wide range of critical illnesses.
Payout Process: Check if the payout process suits your needs.
Policy Exclusions and Waiting Period: While being aware of the inclusions and coverage is necessary, it’s also important to take note of the policy's exclusions and the waiting period.
Claim Settlement Ratio: Consider the insurer's claim settlement ratio, which is simply the ratio of the claims settled by an insurance provider to the total claims that they received.
Premium Comparison: Compare premiums of various plans to get the best value.

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Frequently Asked Questions

Ans: A critical illness health insurance plan is a specific type of health insurance that offers coverage against serious illnesses such as heart attack, stroke, and cancer. The plan provides a lump-sum payment if the insured person is diagnosed with one of the specific illnesses mentioned in the policy.

With Cigna, you can get comprehensive critical illness health insurance plans that provide global healthcare solutions.

Ans: The Cigna critical illness health insurance generally covers severe conditions such as heart attack, stroke, cancer, kidney failure, major organ transplants, paralysis, and coronary artery bypass surgery. Note that the exact coverage may vary based on the specific plan chosen.

Ans: Yes, certain conditions are typically not covered under Cigna's critical illness health insurance, such as diseases resulting from lifestyle habits like smoking, drinking, drugs, or substance abuse. It also excludes HIV, pregnancy-related conditions, childbirth issues, and congenital diseases resulting in death within 30 days of diagnosis.

Ans: Cigna offers a variety of critical illness health insurance plans, with each one having unique features. For instance, the "Cigna Healthguard International WWE General" plan offers all the features of the Regional General Plan along with adult vaccination coverage and non-emergency mental health treatments, among others. The "Cigna Healthguard International WWE General Plus" plan, meanwhile, expands the network coverage to "General Plus".

Ans: When purchasing a critical illness health plan, consider factors such as the scope of coverage, payout process, policy exclusions and waiting period, and the claim settlement ratio of the insurer. Additionally, make an extensive premium comparison across various plans to ensure the best cost-benefit ratio.