Health Insurance Claims FAQ's | ManipalCigna Health Insurance

Frequently Asked Questions

Content with PRODUCTS Lifestyle Protection - Accident care .

An accident means a sudden, unforeseen and involuntary event caused by external, visible and violent means.

You should buy a personal accident policy because it plugs an important hole in your insurance portfolio. Firstly, it will provide financial support to the policyholder if he is disabled after an accident. Secondly, the magnitude of the mishap doesn't matter; even minor ones like falling off a bicycle and breaking an arm, or fracturing a leg while playing football are covered by the policy.

A comprehensive personal accident insurance allows you and your family to be financially secure, after an unforeseen event.

A standalone personal accident policy covers you and your family for accidental death, permanent disability and loss of income. But many a times you remain unprotected for partial disability, ambulance cover, orphan benefit, funeral expenses cover and many more risks.

ManipalCigna Lifestyle Protection-Accident Care plan comes with all the above benefits along with other benefits like education fund, temporary total disability, burns benefit, broken bones and coma cover under one policy that assures financial support and provides cushion for a better tomorrow in any accidental eventualities.

The policy provides coverage's towards contingencies under:

Standard Covers

• Accidental Death
• Permanent Total Disablement
• Permanent Partial Disablement
• Emergency Ambulance Cover
• Orphan Benefit
• Loss of Employment 
• Funeral Expenses
• Education Fund

Optional Covers

• Temporary Total Disablement
• Burns Benefit
• Broken Bones Benefit
• Coma Benefit

Coverage towards accidental death or disablement is provided under three plan options as:

 Plan A – Basic Cover

  • Accidental Death
  • Emergency Ambulance Cover
  • Funeral Expenses

Plan B – Enhanced Cover

  • Accidental Death
  • Permanent Total Disablement
  • Education Fund
  • Emergency Ambulance Cover
  • Funeral Expenses

Plan C – Comprehensive Cover

  • Accidental Death
  • Permanent Total Disablement
  • Permanent Partial Disablement
  • Education Fund
  • Emergency Ambulance Cover
  • Orphan Benefit
  • Loss of Employment
  • Funeral Expenses

Optional Covers as specified below can be chosen to supplement coverage under Plan A, B or C.

  • Temporary Total Disablement
  • Burns Benefit
  • Broken Bones Benefit
  • Coma Benefit

Policy covers permanent total disablement of eyes, hands, feet, loss of hearing and loss of speech due to accident

Policy covers permanent partial disablement of eye, hand, feet, toes, fingers, loss of hearing and loss of speech due to accident.

Funeral expenses will cover a one-time payment of Rs.5000 for sum insured upto 50 lacs and Rs.10,000 for sum insured above 50 lacs towards funeral or cremation expenses.

Orphan benefit provides an amount equal to sum insured towards dependent child in case of accidental death of parents

On suffering from burns due to accident, policy will pay sum insured minimum 10% and maximum upto 100% depending on the degree of burn

This benefit provides a lump sum payment in the event of fracture of bones due to accident.

Policy will provide 25% of the sum insured as lump sum in the event of suffering from a Coma due to accident.

Accident Care policy covers death occurring due to accidents or accidental injuries only.

Accident Care policy is available for 1, 2 and 3 years only.

Portability is not applicable to personal accident policy.

Yes, foreign nationals working in India for 180 days or more with a valid work permit and passport can opt for Accident Care policy. He/she has to provide a valid communication address in India.

Policy will be issued subject to underwriting review.

The policy can be purchased by a NRI subject to the following criteria being met.

-The proposer/proposed insured person must have an Indian address for communication.

-Proposer must be in India at the time of signing the proposal form.

-Those currently working/settled in India are eligible for cover. For example, NRI/PIO who has returned to India and gainfully employed.

-Coverage may be extended to people based outside of India, subject to medical tests (wherever applicable) being conducted in India only and proposal form being signed in India by the proposer only.

Accidental death and/or disability due to terrorist attacks will be covered under Accident Care policy as per the plan and option selected.

Yes, dependent (non-earning) spouse will be eligible for cover upto 60% of the sum insured (Max sum insured capped at Rs 50 Lacs) of the earning member under family cover.

Accident Care policy covers following relationships - Self, Lawfully Wedded Spouse, Dependent Children, Dependent Parents, Dependent Siblings and Parents in law.

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