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A Truly Complete Health Insurance Solution, that offers you an Essential Shield, Infinite Power and Instant Peace.
Best suited for
Individual
Family
Multi Individual
A comprehensive and flexible Health Insurance Plan that offers Better Coverage, Better Control and Better Care
A health insurance that lasts for a lifetime
Parents and elders took care of children in their most sensitive ages and phases of life. It is time to gift them the better Healthcare experience. Presenting ManipalCigna Prime Senior, a comprehensive Health Insurance plan which offers innovative features specially designed for Senior Citizens.
A comprehensive hospitalization plan for you and your family
Design your own health plan and pay for what you choose. Customise your plan according to your needs with ProHealth Select and reassure your future
The added boost that keeps you covered above and beyond your health plan.
Affordable standard health insurance plan
Standard Health Insurance Policy specially designed to cover Persons with Disabilities (PWD), Persons afflicted with HIV/AIDS, and those with Mental Illness
A plan that assures financial support and provides a safety cushion for a better tomorrow by providing complete protection, on and off the job, including death, disablement, repatriation of mortal remains and funeral expenses.
A plan that assures financial support and provides a safety cushion for a bettertomorrow by providing complete protection, on and off the job, including death, disability, loss of job and financial protection.
Standard Personal Accident Policy to safeguard your unexpected expenses arising from death or serious injury caused by an accident, while securing your finances
A vital protection for your financial health against life-changing critical illnesses that offers you the entire payment of sum insured on first diagnosis of listed illness.
A daily cash plan to financially aid hospitalization expenses
Every Detail Matters To Your Health
Employer-Employee Group
Non Employer-Employee Groups/ Association/ Institution/Society
Every Detail Matters For Global Protection
Non Employer- Employee Groups/Association/ Institution/Society
Check Detail to Secure Each Member's Lifestyle
Non Employer-Employee Groups/Association/ Institution/Society
Check Details To Secure Overseas Travel
Our All in One Plan to keep you healthy always
Why Combine Accidental Coverage with Health Insurance?
Caption
In today's fast-paced world, accidents and unexpected health issues are a reality that many people face. While traditional health insurance offers essential coverage for a range of medical conditions, integrating accidental coverage into your insurance plan provides a more comprehensive safety net. Here’s why combining accidental coverage with health insurance is a prudent choice for safeguarding your health and financial well-being.
Health Insurance: This type of insurance helps cover medical expenses related to illness, injury, and preventive care. It typically includes coverage for hospitalization, doctor visits, diagnostic tests, and medications. However, it might not always cover the full spectrum of expenses related to accidents.
Accidental Coverage: This is an additional insurance that specifically addresses injuries or disabilities resulting from accidents. It usually includes benefits for accidental death, permanent disability, and sometimes daily allowances for hospitalization due to an accident.
When selecting a combination of health and accidental coverage, consider the following factors:
Accidents can lead to significant medical expenses that may not be fully covered by standard health insurance. Combining accidental coverage ensures that you are protected against the financial impact of injuries or disabilities caused by accidents, filling gaps in your health insurance policy.
Medical bills from accident-related injuries can be substantial. Accidental coverage often provides a lump-sum benefit or specific payouts for permanent disability or accidental death. This financial support can help cover medical bills, rehabilitation costs, and even replace lost income due to inability to work.
While health insurance plans cover a wide range of medical treatments, they may not offer comprehensive benefits for specific accident-related scenarios. Accidental coverage typically includes features like accidental death benefits, which are often not covered under standard health insurance policies.
Knowing that you have both health insurance and accidental coverage can alleviate stress. In the event of an accident, you won’t have to worry about how you’ll manage both the medical costs and the potential financial impact on your family. This peace of mind allows you to focus on recovery rather than financial concerns.
Accidents can lead to temporary or permanent disability, affecting your ability to earn an income. Many accidental coverage policies provide income replacement benefits, helping you maintain financial stability while you recover or adjust to new circumstances.
Accidental coverage typically includes a broad range of scenarios, from traffic accidents to falls and other injuries. This broad scope ensures that you are protected no matter the type of accident, providing a more robust safety net.
Combining accidental coverage with health insurance often results in complementary benefits. For instance, while health insurance might cover the cost of surgery and hospitalization, accidental coverage might offer additional benefits like compensation for loss of limbs or eyesight.
Explore ManipalCigna’s SARVAH Pratham, SARVAH Uttam and SARVAH Param Plan offers Accidental Hospitalization Cover and Personal Accident Cover that enhances your health insurance plan. Here’s a closer look at features and benefits of this coverage:
Accidental Hospitalization Cover:
1. In-Patient Hospitalization Benefit: If an accident results in hospitalization, the plan covers expenses up to the base sum insured (SI). This is a significant benefit, as it ensures that you’re financially protected against costs arising from accident-related treatments.
2.Availability: This cover is available as part of the base cover for plans like SARVAH Uttam and SARVAH Param, and as an optional cover for SARVAH Pratham ensuring that policyholders can opt for this coverage as an integral part of their health insurance strategy.
3. Geographic Limitation: It is essential to note that this coverage is applicable only within India for SARVAH Pratham.
Personal Accident Cover:
1. Flexible Coverage Options:
ManipalCigna provides Personal Accident Cover with sum insured options ranging from ₹10 lakh to ₹3 crore. This flexibility allows you to choose a coverage amount that best suits your financial needs and risk profile.
2. Scope of Cover:
3. Age and Coverage Eligibility:
4. Sum Insured Limits Based on Age:
5. Family Cover- Sum Insured Eligibility:
Note:
6. Maximum Liability Restrictions
Take a look at the table to understand ManipalCigna’s Accidental Hospitalization Cover and Personal Accidental feature in detail:
Optional Covers
Accident Hospitalization Cover
If during the policy year, the insured person suffers an injury due to an accident, and that injury solely and directly results in the Hospitalization of the Insured Person, We will cover hospitalization expenses up to base SI.
Note: This benefit is applicable only within India.
Covered under In-Patient Hospitalization Benefit (Available as part of Base Cover)
Personal Accident Cover
Min Age at Entry – 5 Years, Max Age at Entry 65 Years. Coverage on Individual and Family basis.
Relationships Covered - Self, Lawfully Wedded Spouse/Live-in Partner, Dependent Children, Dependent Parents/Parent in laws.
Sum Insured - ₹10L, 15L, 20L, 25L, 30L, 40L, 50L, 1Cr, 2Cr, 3Cr
Scope of Cover
% of PA Cover
Accidental Death (AD)
100% of the PA SI Opted.
200% of SI (If death/PTD) occurs due to an Accident while travelling as a fare paying passenger on a common carrier.
Permanent Total Disablement (PTD)
Permanent Partial Disablement (PPD)
% of PA SI (as defined in the Grid)
Our maximum liability is restricted to 100% of the Sum Insured irrespective of permanent loss of one or more body parts and / or death.
Age wise
Eligibility of Sum Insured will be up to a maximum times of Annual Income of the Proposer or Earning member to be Insured.
(as detailed below)
18-45
Max 20 times of the Gainful Annual Income
46- 60
>60 above
Max 10 times of the Gainful Annual Income
Family Cover – Sum Insured Eligibility
Earning Member
As per the Sum Insured Opted
Non- earning Spouse/ Live-in Partner
60% of the Sum Insured of Earning member
Dependent Children /Parents/Parents-in-Laws
30% of the Sum Insured, max up to ₹30Lacs
Note –
i. At least one earning member must be covered if Personal Accident Cover is opted.
ii. In the event of death or discontinuation of the earning member, Personal Accident coverage should be allowed to continue for non-earning member at the time of renewal.
Incorporating accidental coverage into your health insurance plan provides a more comprehensive safety net, protecting you against the financial consequences of accidents and injuries. By combining these types of insurance, you gain enhanced protection, financial security, and peace of mind. As you evaluate your insurance options, consider how combining health and accidental coverage can offer a robust solution to manage the uncertainties of life.
Q1: What types of events are covered under Personal Accident Cover? A1: The cover includes accidental death, permanent total disablement, and permanent partial disablement.
Q2: What is the maximum sum insured available? A2: The maximum sum insured ranges from ₹10 lakh to ₹3 crore.
Q3: Are there age limits for purchasing Personal Accident Cover? A3: Yes, the minimum age at entry is 5 years, and the maximum age at entry is 65 years.
Q4: How is the benefit amount determined in case of permanent total disablement? A4: For permanent total disablement, the benefit amount is 200% of the sum insured if the disablement occurs while traveling as a fare-paying passenger on a common carrier.
Q5: What is the eligibility for the sum insured based on age? A5: For individuals aged 18-45, the sum insured can be up to 20 times their annual income. For ages 46-60, it can be up to 10 times their annual income.
Q6: What does the Accident Hospitalization Cover include? A6: It covers hospitalization expenses if the insured person is hospitalized due to an injury resulting from an accident, up to the base sum insured.
Q7: Is the Accident Hospitalization Cover applicable outside India? A7: No, this cover is applicable only for hospitalization within India.
Q8: How does the Accident Hospitalization Cover integrate with the base Personal Accident policy? A8: It is an optional add-on to the Personal Accident Cover, providing additional coverage for hospitalization expenses due to accidental injuries.
Q9: What is the maximum amount covered under the Accident Hospitalization Cover? A9: The maximum coverage is up to the base sum insured of the Personal Accident policy.
Q10: Can I add the Accident Hospitalization Cover to any Personal Accident plan? A10: Yes, you can opt for the Accident Hospitalization Cover as an additional benefit with ManipalCigna’s Personal Accident plans, such as SARVAH Pratham, SARVAH Uttam, or SARVAH Param.
1. Insurance Regulatory and Development Authority of India (IRDAI): Provides information on insurance regulations and policy details.
2. Ministry of Health and Family Welfare, India: Offers reports and data on health insurance and medical expenses.
3. National Health Authority (NHA): Provides information on health insurance schemes and coverage options in India.
4. Insurance Companies: Many insurance providers publish details on their coverage plans and benefits.
