Our Health Insurance Promise

At ManipalCigna Health Insurance, we strive to match your commitment to the health of your family. And our products are designed to honor that. Whatever your life stage and family requirements, we have a solution that will meet all your health care needs

Sum Insured : Up To ₹1 Crore**

Standard Personal Accident Policy to safeguard your unexpected expenses arising from death or serious injury caused by an accident, while securing your finances

Best suited for



Multi Individual

Key Benefits

Accidental Death Cover

Option to choose coverage for Hospitalisation expenses due to accident

Financial protection for dependent child

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UIN: MCIPAIP21622V012021
Launch Date: 01-04-2021

Sum Insured : Up to ₹25 Crore

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.

Best suited for



Key Benefits

Comprehensive coverage for Accident Death (AD), Permanent Total Disablement (PTD) and Permanent Partial Disablement (PPD) as per chosen plan

Accidental OPD will be covered as a part of Accidental Hospitalization

Flexibility to choose optional covers as per your requirements

EXPLORE 3 PLANS   Speak to Expert  
UIN: MCIPAIP24083V012324
Launch Date: 05-09-2023

Sum Insured : Up To ₹10 Crore

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,
disability, loss of job and financial protection.

Best suited for



Multi Individual

Key Benefits

Lump sum payout option

Loss of job covered

Financial protection for dependent child

EXPLORE 3 PLANS   Speak to Expert  
UIN: MCIPAIP21123V022021
Launch Date: 30-10-2020

Got Questions?

What are the details to be provided at the time of intimation of claim?

The following details are to be provided to the company’s at the tine of intimation of Claim: Policy number, Name of policy, Name of the insured person in whose relation the Claim is being lodged. Nature of illness / injury. Name and address of the attending Medical Practitioner and hospital. Date of Admission and any other information as requested by Us.

ManipalCigna Personal Accident Insurance

Personal Accident cover is a type of insurance wherein you are a part of the contract with us. In case of any unfortunate event of partial/permanent disability, physical injuries and even death caused by accident, we will pay out the benefits to you/beneficiary as soon as the claim is made. If by misfortune the person gets deceased or meets permanent total disablement, we pay 100% sum insured to the beneficiaries under personal accident insurance. In the case of partial disability, a fixed percentage of sum assured is offered up to 100%. Besides, you can claim for several other financial needs caused by accident such as emergency ambulance cover, loss of employment, accidental burns, broken bones, and coma. The pay-out eligibility for personal accident insurance may vary based on the intensity of the event and type of plan you choose, and subject to terms and conditions.

Accidental events are uncertain, and we all need to be prepared to face them. Staying financially secure is crucial, as the consequences of personal accident may severely hit your financial budgeting. ManipalCigna Personal Accident Insurance is available under three options that cover you against different accidental events. The basic personal accident policy pays out only in case of accidental death, emergency ambulance expenses and funeral expenses. The enhanced cover enables you avail benefits of permanent total disablement and enhanced cover along with the basic plan. The third one is a comprehensive cover that includes even orphan benefits, permanent partial disablement, and loss of employment. Apart from three plan options, you can choose from supplementary covers in addition to the plan such as temporary total disablement, burns due to accident, broken bones, and coma benefit. You can choose the minimum sum insured amount from ₹50 thousand to ₹10 crores. The maximum age for adults to get ManipalCigna Personal Accident cover is 80 years, and you may be asked to undergo a medical examination only if you are above the age of 70 years. Not only the age benefit, but you can choose the policy coverage on an individual or family basis, in which you can cover your spouse, dependent children, dependent parents, dependent in-laws, and dependent siblings. The coverage for each of these criteria is subject to terms and conditions. In short, getting a personal accident policy is always beneficial.

ManipalCigna Personal Accident Insurance covers you financially under several events. In case of accidental death or permanent total disablement occurred due to an accident, we pay you 100% sum insured. In the case of permanent partial disablement, a fixed percentage of the sum insured up to 100% is offered based on the nature of the disability. Emergency ambulance cover can be claimed up to ₹10 thousand, which may vary depending on the sum insured. The orphan benefit is offered to the child if both the parents meet any unfortunate event of the demise, which is equivalent to the sum insured. A basic monthly income is paid for the first three months as the loss of income benefit if you meet any permanent total or partial disablement. This income is based on your last salary slip or income tax returns. Funeral expenses of ₹5 thousand are paid for the sum insured up to ₹50 Lacs and ₹10 thousand beyond ₹50 Lac. Under education fund provision, 10% if the sum insured is provided to the child as a one-time payment for his education in case of disability/demise of the parent. Temporary total disablement, burns benefits, broken bones benefits, and coma benefits are also available under our personal accident cover.

The main use of personal accident insurance is to provide coverage against death or permanent or total disability caused due to an accident. It is an additional layer of protection added to your health insurance plan that offers a lump sum payout so that you do not have to pay out-of-pocket for medical expenses.

Some of the benefits of investing in a personal accident policy are - (a) Provides financial aid to deal with medical and non-medical expenses incurred due to an unforeseen accident. (b) No external documents or tests required. (c) Acts as an income replacement.

Yes, you can. Personal Accident Insurance offers cover for individuals and family. Dependents such as parents, siblings, children, spouse and in-laws can be added to the insurance plan as long they lie between 18-75 years of age.

The following documents will be required for a claim on personal accident insurance policy - (a)  Photo Identity Proof (Voter ID, Passport, PAN Card, Aadhar Card). (b) Duly completed and signed claim form in original. (c) Copy of Medico Legal Certificate (if conducted) duly attested by the concerned hospital. (d) Income proof. (e) Copy of FIR/Punchnama/Police Inquest Report (if conducted) duly attested by the concerned police station.

The ManipalCigna Personal Accident Cover is about safeguarding yours and your family's health. You an choose from three insurance plans, each offering global coverage. It comes numerous benefits including education fund, temporary total disability, burns benefit, broken bones and coma.

Choosing the correct sum assured for Personal Accident Insurance is an important decision that directly impacts your policy’s effectiveness. The sum assured represents the maximum amount the insurance company will pay in case an accident leads to disability or death. A high sum insured amount serves as a security blanket, allowing you to bear your living costs following an accident that impacts your income sources. If the accident causes death, the high sum insured amount allows your survivors to lead a financially secure life in your absence. With ManipalCigna’s Personal Accident Insurance plans, you can choose policies with sums insured ranging from ₹2.5 lakhs up to ₹25 Crore.

At ManipalCigna, we offer specially curated accident insurance policies, including individual coverage, family floater plans, and group policies for organizations. Our primary products include:

  • ManipalCigna Accident Shield policy offering coverage of up to ₹25 Crore.
  • Saral Suraksha Bima policy offering coverage of ₹2.5 lakhs to ₹1 Crore.
  • ManipalCigna Lifestyle Protection offering coverage of up to ₹10 Crore.

The benefits of Personal Accident Insurance go beyond the scope of coverage provided under conventional health insurance plans. In addition to covering medical expenses resulting from an accident, ManipalCigna’s Accident shield policy offers financial assistance for temporary and permanent disability, dismemberment, and accidental death. It also gives you the flexibility to choose optional covers as per your requirement. Our policies ensure that you receive comprehensive support, including coverage for ambulance charges, hospitalization expenses, and even education costs benefits for your  dependent children, if any. Plus, our Lifestyle Protection policy covers you in case you lose your job due to an accident by providing a lumpsum payout to help manage your living expenses.

The primary factors of differences between life, health, and personal accident insurance may be summarized as follows:

Insurance Type

Life Insurance

Health Insurance

Personal Accident Insurance


Provides a lump sum payout to your beneficiaries in the event of your death.

Covers medical expenses related to illnesses and accidents.

Offers coverage for accidental death, disability, and injuries due to accidents.


Primarily death benefit. May include optional riders for additional coverage.

Hospitalization, doctor’s fees, medication costs, preventive care, etc.

Accidental death, permanent total and partial disability, temporary total disability.

Additional Benefits

Optional riders for critical illness, disability, etc.

Maternity coverage, wellness benefits, and pre-existing condition coverage.

Ambulance charges, hospitalization expenses, education benefits for dependent children.

Global Coverage

No global coverage

Limited global coverage under specific plans.

Global coverage for accidents during travel.

Customization Options

Limited customization options.

Limited flexibility, standard plans.

Flexible sum assured options, tailored to your needs.

ManipalCigna’s Personal Accident Cover includes a wide list of benefits to ensure you are adequately protected. The coverage typically includes:

  • Accidental Death

In the unfortunate event of your demise due to an accident, the nominated beneficiaries receive the sum assured.

  • Permanent Total Disability

Coverage extends to permanent total disability due to an accident, which may impact your ability to be gainfully employed and provide for your family.

  • Permanent Partial Disability

If the accident results in partial disability, the policy provides a predetermined percentage of the sum assured to help you cope with your everyday financial requirements.

  • Temporary Total Disability

In situations where you cannot work temporarily due to accident-related injuries, the policy offers financial assistance in the form of a weekly or monthly payout.

  • Medical Expenses

Your Personal Accident Insurance plan also covers the medical expenses incurred because of an accident, encompassing hospitalization, surgeries, and rehabilitation costs.

While health insurance covers medical expenses arising from accidents, Personal Accident Insurance offers additional benefits that increase the overall protection. Health insurance typically covers hospitalization expenses, doctor’s fees, and medication costs. However, it may not provide financial support for non-medical aspects like disability, dismemberment, or accidental death.

Personal Accident Insurance ensures that you and your families are financially secure, not only during the treatment phase but also in the aftermath of an accident. The policy provides a lump sum amount or regular payouts, depending on the nature and severity of the accident, thereby addressing both immediate and long-term financial needs.

Yes, you can avail tax benefits for the premium paid towards your Personal Accident Insurance policy under Section 80D of the Income Tax Act, that also includes health insurance investments. Under this section, you can claim tax deduction benefits of ₹25,000 - ₹50,000 per annum on purchasing health and personal accident insurance for yourself and your senior citizen parents.

In the unfortunate event of an accident, you can file a claim for Personal Accident Insurance with ManipalCigna with these simple steps:

  1. Inform us about the accident as soon as possible via email or a phone call.
  2. Provide the required documents, including the claim form, medical reports, hospital bills, and any other relevant paperwork.
  3. We will conduct the necessary investigations and assessments as needed and process the claim.

Upon approval, we shall disburse the claim amount. The payout will depend on the nature of the accident and the coverage specified in the policy.

Can I have multiple personal accident insurance policies?

Yes, you can purchase multiple personal accident insurance policies. Each policy will have its own terms and conditions, so it is important to review them carefully. However, you cannot file a claim for the same incident with multiple insurance providers to accrue double benefits. The total claim amount is usually limited to the actual expenses or the sum assured, whichever is lower.

What is the process to claim the policy after an accident?

To claim the policy after an accident, you must notify your insurance provider promptly. Fill out and submit the necessary claim form along with the required documents and wait for the insurer to assess the claim. Upon approval, the insurer shall process the payout amount.

What are the benefits of having personal accident insurance in case of accidental death?

Personal accident insurance provides financial support to your survivors in case of your unfortunate, accidental death. The insurer pays out a lump sum to your nominated beneficiaries, providing a financial cushion for them to manage their expenses in your absence, especially if you are the family’s sole breadwinner.

What is the duration in which a claim can be made for personal accident insurance?

As per the IRDAI guidelines, you must file a claim within 12 months, in case an accident leads to permanent total or partial disablement, or the death of the policyholder. In case of hospitalization following an accident, you must inform the insurer at the earliest for guidance about the claim filing processes and duration.

A personal accident insurance covers what type of accidents?

Personal accident insurance typically covers a range of accidents, including but not limited to, road accidents, falls, burns, and injuries caused by collisions or mishaps. The specific coverage may vary depending on the policy and insurer.

Can I claim medical expenses’ benefit if I suffer from an accident and get hospitalized?

Yes, if you suffer an accident and require hospitalization, your personal accident insurance policy generally provides medical expenses benefits. The policy covers hospitalization costs, including treatments, surgeries, and related medical expenses. It ensures that you receive financial assistance during your recovery, thereby reducing the burden of healthcare expenses resulting from the accident.

What is the age criteria to get a Personal Accident Insurance policy?

The age criteria for a Personal Accident policy varies among insurers but typically ranges from 18 to 70 years. This means you can purchase the policy if you are within this age bracket. It is essential to check the specific entry age criteria specified by the insurance provider and choose a policy that aligns with your age and requirements.

Are there any exclusions under the Personal Accident Insurance policy?

Exclusions under a Personal Accident policy vary by insurer but commonly include self-inflicted injuries, pre-existing conditions, and injuries resulting from risky activities. Other exclusions may apply, so it is crucial to carefully review the policy documentation and understand the applicable exclusions.

Are sports injuries covered under accident Insurance policies cover?

Yes, most accident insurance policies in India cover sports injuries, but the extent of coverage may vary. Some policies may have specific provisions or exclusions related to high-risk or extreme sports. It is important to review the policy terms and conditions to understand the coverage for sports-related injuries and ensure that the chosen policy aligns with your preferences and activities.

What are the different types of plans available under personal accident insurance policy?

Personal Accident Insurance offers various plans, including individual coverage, family floater plans, and group policies for organizations. The available plans cater to diverse needs, allowing you to select coverage that aligns with your specific requirements and budget.