Personal Accident Insurance

Process of Claim

Claim Process

ManipalCigna Health Insurance

Instant Help With Emergency Claim

For any emergency claim call us on 8659986599

Steps

Navigating Claims Made Simple: Your Guide to a Hassle-Free Process.

  1. Intimation     
  2. Compilation/ Submission of claim file post survival period

Intimate claim process

How to intimate Personal Accident claim with ManipalCigna Health Insurance

E-Mail
customercare@manipalcigna.com
Claim Helpline
1800-102-4462
Cigna TTk should be informed within 10 Days from the date of occurrence of the Personal Accident.

Details required for Registration/ Intimation of Claim

To Register a claim through the above contact points, the following information has to be provided to the customer support executive:-
  • Policy Number
  • Name of the Policyholder
  • Name of the Insured Person in whose relation the Claim is being lodged
  • Nature of Accident
  • Name and address of the attending Medical Practitioner and Hospital (if admission has taken place)
  • Date of Admission if applicable
  • Any other information, documentation as requested by Insurer
Once the claim is registered, a Claim Reference/Intimation Number will be generated and has to be prese

Types of Claims

How to intimate health claim with Bajaj Allianz General Insurance

Points to Remember

  • Every claim should be intimated & file to be submitted within time, as non adherence can lead to delay in claim settlement.
  • The claim is decisioned only when all required & necessary documents are submitted.
  • Every claim should be intimated & file to be submitted within time, as non adherence can lead to delay in claim settlement.
  • The claim is decisioned only when all required & necessary documents are submitted.

The claim file has to be submitted at the below mentioned address or in our any branch within 30 days of the date of occurrence of the accident.
The claim file has to be submitted at the below mentioned address or in our any branch within 30 days of the date of occurrence of the accident.
List of Documents

Documents Required

  • Photo Identity Proof - Voter ID, Passport, PAN Card, Driving License
  • Ration Card, Aadhar, or any other proof accepted by the KYC norms as approved by us and which is admissible in court of law
  • Duly completed and signed claim form in original as prescribed by us
  • Copy of FIR/ Panchnama /Police Inquest Report (if conducted) duly attested by the concerned Police Station
  • Copy of Medico Legal Certificate (if conducted) duly attested by the concerned Hospital
  • Income Proof
  • Last 3 months Salary Slip/Form 16 for salaried person
  • Last financial years ITR for self-employed persons

Section II.1 Accidental Death:

  • Original Death certificate issued by the office of Registrar of Birth & Deaths
  • Death summary issued by a Hospital
  • Post Mortem Report (if conducted)
  • Identity proof of Nominee or Original Succession Certificate/Original Legal
  • Heir Certificate or any other proof to our satisfaction for the purpose of a valid discharge in case nomination is not filed by deceased

Sections II.2 Permanent Total Disablement & II.3. Permanent Partial Disablement as well as optional benefit under Section II. 9 Temporary Total Disablement

  • Original treating Medical Practitioner's certificate describing the disablement
  • Original Discharge summary from the Hospital
  • Photograph of the Insured Person reflecting the disablement
  • Prescriptions and consultation papers of the treatment
  • Disability certificate issued by civil surgeon or equivalent appointed by the District / State or Government Board
  • Any other medical, investigation reports, inpatient or consultation treatment papers, as applicable

Additional documents required under Section II.9 Temporary Total Disablement

  • Leave/Absence Certificate from Employer (If Employed)

Additional documents required under Section II.1 & 2 AccidentalDeath & Permanent Total Disablement (Common Carrier)

  • Original Passenger Ticket / Boarding Pass issued in the name of the Insured Person from the Common Carrier (in case of death in a common  carrier).Wherever a named ticket is not available, onus of proof of travel  will be upon the Insured Person.

Emergency Ambulance:

  • Original Bill from a certified Ambulance Service Provider or Hospital.

Orphan Benefit

  • Birth Certificate of child or adoption papers (if adopted) 
  • Any other proof to establish relationship - Passport/Education certificate establishing proof of relationship of child with parents.
  • Legal Guardian Certificate if the Child is a minor

Education Fund

  • Proof to establish relationship - Passport/Education certificate establishing proof of relationship of child with parents/Birth Certificate or Adoption Papers (if adopted)
  • Photo Identity Proof of Child (Children)
  • Age proof of Child (Children)
  • Certificate from Educational Institution describing course details

Loss of Employment:

  • Loss of Employment/Termination Letter indicating the reason for termination
  • Salary Slip of last 3 months (for salaried persons)
Registered Address
401/402, Raheja Titanium, Western Express Highway, Goregaon (East), Mumbai, 400063

Process of claim

1
Claim has to be intimated to ManipalCigna
2
Compile the claim file with all required documents
3
Submit the claim file within the pre defined timeline
5
On successful resolution of investigation/query ManipalCigna pays the claim amount
6
ManipalCigna scrutinizes the file and may call for an investigation/query
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