ManipalCigna - Lifestyle Protection - Accident Care Plan
Health Insurance Company Limited
ManipalCigna Health Insurance Company Limited (formerly known as CignaTTK Health Insurance Company Limited) is a joint venture between the Manipal Group, a leader in the field of healthcare delivery and higher education in India and Cigna Corporation, a global health services company with presence in 30+ countries and serving 160 million+ customers around the world. With a deep focus on health and wellness, ManipalCigna Health Insurance offers a full suite of insurance solutions ranging from health, personal accident, major illness, travel and global care to individual customers, employer-employee, and non-employer-employee groups to meet their diverse health needs.
Toll Free line: 1800-102-4462
E-mail: customercare@manipalcigna.com
This policy offers compensation in case of death or bodily injury to the insured person, directly and solely as a result of an accident, by external, visible and violent means.
Unique Features of ManipalCigna - Lifestyle Protection - Accident Care Plan
Permanent Total Disability/Accidental Death (Common Carrier)- In the event of Permanent Total Disability/ Accidental Death (In Common Carrier) due to an accident, the company shall pay 200% of the Sum Insured.
Emergency Ambulance Cover: Ambulance Expenses incurred to transfer the insured person to the nearest hospital due to an emergency caused by an accident.
Broken bones - A lump sum payment would be made as per scale provided in the policy, in the event of fracture of bone due to an accident.
Children's Education Bonus - If a claim under AD or PTD is accepted for an insured person, the company shall pay a compensation as mentioned in the scale.
Burns Benefit: If the Insured Person suffers from Burns due to an Injury, a compensation will be paid.
Orphan Benefit: In the event of accidental death of the parents, an amount equal to the sum insured towards dependent child as ‘orphan benefit’ shall be paid.
Eligibility Criteria for ManipalCigna - Lifestyle Protection - Accident Care Plan
| Category | Details | ||||||
|---|---|---|---|---|---|---|---|
| Age Group | Min Entry Age: 18 Years Max Entry Age: 80 Years Min Entry Age: 5 Years Max Entry Age: 25 Years for Dependent Children |
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| Renewal Age | Life Long Renewal | ||||||
| Sum Insured | Rs. 50000 up to Rs. 10 Cr | ||||||
| Policy Tenure | 1 Year, 2 Years and 3 Years | ||||||
| Family Definition | (Earning Member - 100% of SI), (Non-Earning Spouse - 60% of SI), (Dependent Children - 30% of SI), (Dependent Parents/Parents in Laws, Dependent Brothers/Sisters- 30% of SI) | ||||||
Product Benefits of ManipalCigna - Lifestyle Protection - Accident Care Plan
| BENEFITS | Plan A (Basic Cover) | Plan B (Enhanced Plan) | Plan C (Comprehensive Cover) | ||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Accidental Death (AD) | 100% of the Sum Insured | ||||||||||||||
| Accidental Death (Common Carrier) | 200% of the Sum Insured | ||||||||||||||
| Permanent Total Disability (PTD) | Not Covered | 100% of the Sum Insured | |||||||||||||
| Permanent Total Disability (Common Carrier) | Not Covered | 200% of the Sum Insured | |||||||||||||
| Permanent Partial Disability (PPD) | Not Covered | As per the limits specified in the table | |||||||||||||
| Emergency Ambulance Cover | SI up to 25 Lacs - Rs. 2,000 25 Lacs up to 50 Lacs - Rs. 3,000 50 Lacs up to 3 Cr - Rs. 5,000 SI Above 3 Cr - Rs. 10,000 |
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| Funeral Expenses | SI up to 50 Lacs - Rs. 5,000 Above 50 Lacs - Rs. 10,000 |
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| Education Fund | Not Covered | 10% of Sum Insured; Maximum Rs. 10 Lacs for 2 Children | |||||||||||||
| Orphan Benefit | Not Covered | 100% of Sum Insured | |||||||||||||
| Loss of Employment | Not Covered | Monthly Income for 3 Months | |||||||||||||
Add-ons for ManipalCigna - Lifestyle Protection - Accident Care Plan
| Benefit Name | Definition | Compensation Paid | |||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|
| Temporary Total Disablement (TTD) | If the Insured Person suffers an Injury solely and directly due to an Accident that occurs during the Policy Period and such Injury solely and directly results in the Temporary Total Disablement of the Insured Person within 365 days from the date of the Accident, a compensation as mentioned shall be paid |
1 % of SI or Rs. 25000 per week whichever is less | |||||||||
| Burns Benefit | If the Insured Person suffers from Burns due to an Injury solely and directly due to an Accident that occurs during the Policy Period, We will pay the amount specified in the table below to the Insured Person subject to the following: • The Burns are not self-inflicted by the Insured Person in any way; and • A Medical Practitioner has confirmed the diagnosis of the burn and the percentage of surface area in writing |
As per the limits specified in the policy wordings | |||||||||
| Broken Bones Benefit | If the Insured Person suffers from Broken Bones due to an Injury solely and directly due to an Accident that occurs during the Policy Period, We will pay percentage the of Sum Insured as specified in the table below. |
As per the limits specified in the policy wordings | |||||||||
| Coma Benefit | If the Insured Person suffers from a Coma due to an Injury solely and directly due to an Accident that occurs during the Policy Period, a compensation as mentioned will be paid | 25% of Sum Insured |
Additional discounts for ManipalCigna - Lifestyle Protection - Accident Care Plan
| Discount | Description | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Family discount | 10 % Family Discount will be available if 2 or more members are covered under the policy | |||||||||||||
| Long Term discount | 7.5% discount for 2 years policy and 10% discount for 3 years on policy | |||||||||||||
Exclusion in ManipalCigna - Lifestyle Protection - Accident Care Plan
Accidental Bodily Injury that you meet with or arises out of:
- Any Pre-existing Disease or Disability arising out of a Pre-existing Diseases or any complication arising there from.
- Suicide, self-inflicted injury or acts of self-destruction
- Mental illness, psychiatric condition, mental disorders
- Certification by a Medical Practitioner who is a member of the Insured Person's Family
- Death or disablement arising out of foreign invasion, warlike operations, participation in any naval, military or air-force operation
- Death or disablement caused by sexually transmitted diseases
- Congenital diseases, defects or anomalies or in consequence thereof, etc.
Claim Process for ManipalCigna - Lifestyle Protection - Accident Care Plan
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