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.
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
Individual
Family
Multi Individual
Key Benefits
Launch Date: 30-10-2020
Various Plans
ManipalCigna Lifestyle Protection Accident Care
has been designed keeping your needs in mind.Sum insured (SI)
0.5Lac - ₹ 10Crore
Base premium
1,086*/annum
Sum insured (SI)
0.5Lac - ₹ 10Crore
Base premium
1,912*/annum
Sum insured (SI)
0.5Lac - ₹ 10Crore
Base premium
2,089*/annum
Accident Care - Basic Plan
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, ambulance and funeral expenses cover.
Global cover
from day 1
Sum Insured
0.5Lac - 10 Crore
Sum Insured
10 Lacs
PREMIUM PER ANNUM
1,086* inclusive of taxes
*The Premium value is indicative for the below mentioned profile Gender – Male, Age – 30, No. of adults - 1, Earning member, Tenure- 1 year, Premium payment mode- Single, Non Smoking
Proposal may be subject to underwriting review
Provides 100% of Sum Insured (SI) in case of an accidental death. If death occurs while travelling as a fare-paying passenger on a common carrier, we’ll pay 200% of the Sum Insured.
Covers expenses on emergency ambulance services. Provides a one-time payment of ₹ 2000 to ₹ 10,000 depending on Sum Insured.
Covers funeral expenses (One time payment of ₹ 5000 for Sum Insured up to ₹ 50 Lacs and ₹ 10,000 for Sum Insured above ₹ 50 Lacs)
Optional covers of temporary total disablement, burns benefit, broken bones benefit, coma benefit to supplement coverage under each plan.
What’s covered
- Accidental Death
- Emergency Ambulance Cover
- Funeral Expenses
What’s not covered
- Any pre-existing condition or disability arising out of pre-existing diseases
- Ailments arising out of alcohol and drug abuse
- Persons engaged in hazardous activity unless specifically covered
- Congenital Anomalies, inherited disorders
- Death or disability arising from or caused by ionizing radiation or contamination by radioactivity or unclear fuel
- Any physical, medical condition or treatment or service that is specifically excluded
Above list is only indicative and not exhaustive. For complete details on Eligibility, Coverages, Benefits, Terms, Condition and Exclusions please refer Policy Wordings and Prospectus
Temporary Total Disablement
Burns Benefit
Broken Bones Benefit
Coma Benefit
Riders
Critical Illness Add On Cover: Covers listed 11 Critical Illnesses. Available on payment of additional premium
ManipalCigna Health 360 - OPD
Now avail the power of cashless OPD rider with 3 flexible package options.
Package 1 – Coverage for only consultation
Package 2 – Coverage for consultation and prescribed diagnostics
Package 3 – Coverage for consultation with prescribed diagnostics and pharmacy
Min Entry Age
Children - 5 years, Adult - 18 years
Cover Type
Individual and Family basis cover
Max Entry Age
Children - 25 years, Adult - 80 years
Policy Period
1,2 and 3 years
(Discount of 7.5% for 2 years and 10 % for 3 years policy term with single premium payment mode)
Relationships covered
Self, Spouse, Dependent Children, Dependent - Parents, In-laws, Brothers, Sisters.
Premium Payment Mode
Single, Annual, Half yearly, Quarterly, Monthly
Accident Care - Enhanced Plan
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 and financial protection.
Global cover
from day 1
Sum Insured
0.5Lac - 10 Crore
Sum Insured
10 Lacs
PREMIUM PER ANNUM
1,912* inclusive of taxes
*The Premium value is indicative for the below mentioned profile Gender – Male, Age – 30, No. of adults - 1, Earning member, Tenure- 1 year, Non Smoking
Proposal may be subject to underwriting review
Provides 100% of Sum Insured (SI) in case of an accidental death and permanent total disability due to an accident. If the same occurs while traveling as a fare-paying passenger on a common carrier 200% of sum insured will be paid.
We will make a one-time payment as Education Fund which is equal to 10% of Sum Insured per surviving dependent child for a maximum of 2 children subject to a maximum limit of ₹ 10 lacs per policy.
Pays a lump sum amount for emergency ambulance services.
Provides a one-time payment of ₹ 5000 for SI up to ₹ 50 Lacs and ₹ 10,000 for Sum Insured above ₹ 50 Lacs towards funeral or cremation expenses.
Optional covers of temporary total disablement, burns benefit, broken bones benefit, coma benefit to supplement coverage under each plan.
What’s covered
- Accidental Death
- Permanent Total Disablement
- Education Fund
- Emergency Ambulance Cover
- Funeral Expenses
What’s not covered
- Any pre-existing condition or disability arising out of pre-existing diseases
- Ailments arising out of alcohol and drug abuse
- Persons engaged in hazardous activity unless specifically covered
- Congenital Anomalies, inherited disorders
- Death or disability arising from or caused by ionizing radiation or contamination by radioactivity or unclear fuel
- Any physical, medical condition or treatment or service that is specifically excluded
Above list is only indicative and not exhaustive. For complete details on Eligibility, Coverages, Benefits, Terms, Condition and Exclusions please refer Policy Wordings and Prospectus
Temporary Total Disablement
Burns Benefit
Broken Bones Benefit
Coma Benefit
Riders
Critical Illness Add On Cover: Covers listed 11 Critical Illnesses. Available on payment of additional premium
ManipalCigna Health 360 - OPD
Now avail the power of cashless OPD rider with 3 flexible package options.
Package 1 – Coverage for only consultation
Package 2 – Coverage for consultation and prescribed diagnostics
Package 3 – Coverage for consultation with prescribed diagnostics and pharmacy
Min Entry Age
Children - 5 years, Adult - 18 years
Cover Type
Individual and Family basis cover
Max Entry Age
Children - 25 years, Adult - 80 years
Policy Period
1,2 and 3 years
(Discount of 7.5% for 2 years and 10 % for 3 years policy term with single premium payment mode)
Relationships covered
Self, Spouse, Dependent Children, Dependent - Parents, In-laws, Brothers, Sisters.
Premium Payment Mode
Single, Annual, Half yearly, Quarterly, Monthly
Accident Care-Comprehensive Plan
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 and financial protection.
Global cover
from day 1
Sum Insured
0.5Lac - 10 Crore
Sum Insured
10 Lacs
PREMIUM PER ANNUM
2,089* inclusive of taxes
*The Premium value is indicative for the below mentioned profile Gender – Male, Age – 30, No. of adults - 1, Earning member, Tenure- 1 year, Non Smoking
Proposal may be subject to underwriting review
Provides 100% of Sum Insured (SI) in case of an accidental death and permanent total disability due to an accident. If death or permanent disability occurs while travelings as a fare-paying passenger on a common carrier 200% of SI will be paid.
Provides a fixed percentage of the SI up to 100% as per the nature of disability.
We want your child's education to go on unaffected even in your absence or in case of permanent disability. We will make a one-time payment as Education Fund which is equal to 10% of Sum Insured per surviving dependent child for a maximum of 2 children subject to a maximum limit of ₹ 10 Lacs per policy.
Pays a lump sum amount for emergency ambulance services.
Provides an amount equal to the SI towards the dependent child as orphan benefit.
Pays basic monthly income for 3 months under Loss of Employment benefit.
We will make a one-time payment of ₹ 5000 for SI up to ₹ 50 Lacs , and ₹ 10,000 for SI above ₹ 50 Lacs towards funeral or cremation expenses.
Optional covers of temporary total disablement, burns benefit, broken bones benefit, coma benefit to supplement coverage under each plan.
What’s covered
- Accidental Death
- Permanent Total Disablement
- Permanent Partial Disablement
- Education Fund
- Emergency Ambulance Cover
- Orphan Benefit
- Loss of Employment
- Funeral Expenses
What’s not covered
- Any pre-existing condition or disability arising out of pre-existing diseases
- Ailments arising out of alcohol and drug abuse
- Persons engaged in hazardous activity unless specifically covered
- Congenital Anomalies, inherited disorders
- Death or disability arising from or caused by ionizing radiation or contamination by radioactivity or unclear fuel
- Any physical, medical condition or treatment or service that is specifically excluded
Above list is only indicative and not exhaustive. For complete details on Eligibility, Coverages, Benefits, Terms, Condition and Exclusions please refer Policy Wordings and Prospectus
Temporary Total Disablement
Burns Benefit
Broken Bones Benefit
Coma Benefit
Riders
Critical Illness Add On Cover: Covers listed 11 Critical Illnesses. Available on payment of additional premium
ManipalCigna Health 360 - OPD
Now avail the power of cashless OPD rider with 3 flexible package options.
Package 1 – Coverage for only consultation
Package 2 – Coverage for consultation and prescribed diagnostics
Package 3 – Coverage for consultation with prescribed diagnostics and pharmacy
Min Entry Age
Children - 5 years, Adult - 18 years
Cover Type
Individual and Family basis cover
Max Entry Age
Children - 25 years, Adult - 80 years
Policy Period
1,2 and 3 years
(Discount of 7.5% for 2 years and 10 % for 3 years policy term with single premium payment mode)
Relationships covered
Self, Spouse, Dependent Children, Dependent - Parents, In-laws, Brothers, Sisters.
Premium Payment Mode
Single, Annual, Half yearly, Quarterly, Monthly
Plan Comparison
| PLAN NAME | Basic Cover |
Enhanced Cover |
Comprehensive Cover |
|---|---|---|---|
| Accidental Death | Yes | Yes | Yes |
| Permanent Total Disablement | No | Yes | Yes |
| Permanent Partial Disablement | No | No | Yes |
| Education Fund | No | Yes | Yes |
| Emergency Ambulance Cover | Yes | Yes | Yes |
| Funeral Expenses | Yes | Yes | Yes |
| Loss of Employment | No | No | Yes |
| Orphan Benefit | No | No | Yes |
| Temporary Total Disablement | Optional | Optional | Optional |
| Burns Benefit | Optional | Optional | Optional |
| Broken Bones Benefit | Optional | Optional | Optional |
| Coma Benefit | Optional | Optional | Optional |
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 Lifestyle Protection Accident Care
ManipalCigna Lifestyle Protection Accident Care Plan
ManipalCigna Lifestyle Protection Accident Care plan is a personal accident insurance cover. It assures you get financial support through the ups and downs of your life. The accident care insurance plan provides you with a safety cushion for a better tomorrow.
You never know what life has in store for you. An uninvited accident can leave you and your family with an unsure future. Take charge of your family’s financial health and protect yourself and your loved ones by making the smart decision to buy personal accident cover.
The Lifestyle Protection Accident Care plan helps you cover unexpected expenses from death or a severe injury because of an accident. Such costs may not be covered by insurance plans like life, health, disability, or workers’ compensation. The health accident care insurance plan provides you complete protection, on and off the job, towards death, loss of a job, disability, and also financial protection.
ManipalCigna Lifestyle Protection Accident Care plan is available under three plan options:
- Basic cover
- Enhanced cover
- Comprehensive cover
Why Do You Need ManipalCigna Lifestyle Protection Accident Care Plan?
It is wise to ask yourself why you need to buy personal accident insurance. You need to buy a personal accident cover as it fills an essential space in your insurance portfolio. It provides you with financial support in case you are disabled after an accident. Also, here the magnitude of the accident isn’t a matter of concern. You’ll be covered under the accident care plan even for minor mishaps like breaking an arm, fracturing a leg, or falling off a bicycle.
Comprehensive personal accident insurance plan such as ManipalCigna Lifestyle Protection Accident Care plan allows you and your family to stay financially secure after an unforeseen event.
The accident care plan is different from other personal accident insurance plans. A standalone personal accident insurance plan would cover you and your family only for accidental death, permanent disability, and income loss. In most cases, you remain unprotected for partial disability, education fund, orphan benefit, ambulance cover, funeral expenses cover, etc. risks.
ManipalCigna Lifestyle Protection Accident Care plan covers you with all the above benefits along with additional benefits such as temporary total disability, education fund, broken bones, coma cover and burns benefit under a single policy. We assure you financial support and provide you a cushion for a better tomorrow in any accidental eventualities.
FAQs about ManipalCigna Lifestyle Protection Accident Care
Q.1) Why I should have a personal accident cover?
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.
Q.2) How is Lifestyle Protection-Accident Care policy different from other Personal Accident policies?
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.
Q.3) What is Funeral Expenses cover?
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.
Q.4) What is orphan benefit?
Orphan benefit provides an amount equal to sum insured towards dependent child in case of accidental death of parents.
Q.5) Does the Accident Care policy cover natural death or death due to some illness/disease?
Accident Care policy covers death occurring due to accidents or accidental injuries only.