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.

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

Individual

Family

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

UIN: MCIPAIP24083V012324
Launch Date: 05-09-2023

Various Plans

ManipalCigna Accident Shield

has been designed keeping your needs in mind.

Classic 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, repatriation of mortal remains and funeral expenses.

Global cover

from day 1

Sum Insured

5Lacs - 25 Cr

Sum Insured

25 Lacs

5 Lacs

25 Cr

PREMIUM PER ANNUM

908* 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

Accidental Death (AD): 100% of SI in case of Accidental Death
200% of SI (If death occurs due to an Accident while travelling as a fare paying passenger on a common carrier)

Funeral Expenses: ₹50,000 for Sum Insured up to ₹50 Lacs ₹1,00,000 for Sum Insured above ₹50 Lacs

Repatriation of Mortal Remains: Up to 2% of SI, subject to a maximum of ₹5 Lacs Payable on Reimbursement basis

Optional covers of Temporary Total Disablement, Burns Benefit, Coma Benefit, Child Welfare Benefit, Loss of Employment, Air Ambulance, Accidental Hospitalisation, EMI Shield, Loan Shield, Medical Repatriation to supplement coverage under each plan

What’s covered

  • Accidental Death
  • Repatriation of Mortal Remains
  • 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

In case of TTD, For earning member - 2% of SI or ₹1,00,000 per week or Insured Persons base weekly income at the time of claim, whichever is lower (for a maximum of 100 weeks) For Non-earning member (Can be opted only if the earning member is part of the TTD cover) - 1% of SI or ₹50,000 per week or 50% of the weekly compensation payable for the earning member (at the time of claim) covered in the same Policy, whichever is lower (for a maximum of 100 weeks)

Burns Benefit

Injury due to accidents leading to Burns is payable as a % of SI

Coma Benefit

For the Insured who is in the comatose stage due to Accident for at least 96 hours, we will pay 25% of SI, subject to a maximum of ₹25 Lacs.

Child Welfare Benefit

In case of AD of the Insured parent, Education Benefit: 10% of the SI, subject to a maximum of ₹20 Lacs. Irrespective of number of dependent children.

Loss of Employment

In case of PTD, PPD, we will make one-time payment of SI chosen under this cover or 3 months salary whichever is lower.

Air Ambulance

- In case of an Accident, for transporting to the hospital, up to ₹10 Lacs is Payable on Reimbursement basis

Accidental Hospitalisation

- If an 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 requirement of Hospitalization, then we will make payment for following SI options(Rs) - 5 Lacs, 10 Lacs, 15 Lacs, 20 Lacs, 25 Lacs, 50 Lacs

EMI Shield

In case of AD, PTD & PPD, we will pay lowest of sum total of 3 EMI’s due or the Sum Insured chosen under this benefit

Loan Shield

In case of AD or PTD, we will pay lowest of outstanding loan amount or the Sum Insured chosen under this benefit

Medical Repatriation

- In case of Accident that results in requirement of medical repatriation, we will pay up to 25% of SI, subject to a maximum of ₹25 Lacs.


For complete details on Eligibility, Coverages, Benefits, Terms, Conditions and Exclusions please refer Policy Wordings and Prospectus.

Min Entry Age

Children - 5 years, Adult - 18 years

Cover Type

Individual and family Floater

Max Entry Age

Children - 25 years, Adult - 70 years

Policy Period

1, 2 and 3 years
(Long Term discount of 7.5% is applicable on premium for selecting a policy term of 2 years and 10% for selecting a policy term of 3 years)

Relationships covered

Self/ Spouse/ Dependent Children/ Dependent Parents/ Dependent Parent-in-laws

Premium Payment Mode

Monthly/Quarterly/Half-yearly/Single

Plus 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, disablement, repatriation of mortal remains and funeral expenses.

Global cover

from day 1

Sum Insured

5Lacs - 25 Cr

Sum Insured

25 Lacs

5 Lacs

25 Cr

PREMIUM PER ANNUM

1,056* inclusive of taxes

*The Premium value is indicative for the below mentioned profile Gender – Male, No. of Individual - 1, Age- 5 Years to 70 years , Tenure- 1 year, Premium payment mode- Single, Non Smoking

Proposal may be subject to underwriting review

Accidental Death (AD): 100% of SI in case of Accidental Death
200% of SI (If death occurs due to an Accident while travelling as a fare paying passenger on a common carrier)

Permanent Total Disablement (PTD): 100% of SI in case of PTD
200% of SI (If PTD occurs due to an Accident while travelling as a fare paying passenger on a common carrier)

Funeral Expenses: ₹50,000 for Sum Insured up to ₹50 Lacs ₹1,00,000 for Sum Insured above ₹50 Lacs

Repatriation of Mortal Remains: Up to 2% of SI, subject to a maximum of ₹5 Lacs Payable on Reimbursement basis

Optional covers of Temporary Total Disablement, Burns Benefit, Coma Benefit, Child Welfare Benefit, Loss of Employment, Air Ambulance, Accidental Hospitalisation, EMI Shield, Loan Shield, Medical Repatriation to supplement coverage under each plan

What’s covered

  • Accidental Death
  • Permanent Total Disablement
  • Funeral Expenses
  • Repatriation of Mortal Remains

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

In case of TTD, For earning member - 2% of SI or ₹1,00,000 per week or Insured Persons base weekly income at the time of claim, whichever is lower (for a maximum of 100 weeks) For Non-earning member (Can be opted only if the earning member is part of the TTD cover) - 1% of SI or ₹50,000 per week or 50% of the weekly compensation payable for the earning member (at the time of claim) covered in the same Policy, whichever is lower (for a maximum of 100 weeks)

Burns Benefit

Injury due to accidents leading to Burns is payable as a % of SI

Coma Benefit

For the Insured who is in the comatose stage due to Accident for at least 96 hours, we will pay 25% of SI, subject to a maximum of ₹25 Lacs.

Child Welfare Benefit

In case of AD of the Insured parent, Education Benefit: 10% of the SI, subject to a maximum of ₹20 Lacs. Irrespective of number of dependent children. Orphan Benefit: 20% of the SI, subject a maximum of ₹40 Lacs. Irrespective of number of dependent children

Broken bone benefit

Injury due to accidents leading to Broken Bones is payable as a % of SI

Loss of Employment

In case of PTD, PPD, we will make one-time payment of SI chosen under this cover or 3 months salary whichever is lower.

Air Ambulance

- In case of an Accident, for transporting to the hospital, up to ₹10 Lacs is Payable on Reimbursement basis

Accidental Hospitalisation

- If an 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 requirement of Hospitalization, then we will make payment for following SI options(Rs) - 5 Lacs, 10 Lacs, 15 Lacs, 20 Lacs, 25 Lacs, 50 Lacs

EMI Shield

In case of AD, PTD & PPD, we will pay lowest of sum total of 3 EMI’s due or the Sum Insured chosen under this benefit

Loan Shield

In case of AD or PTD, we will pay lowest of outstanding loan amount or the Sum Insured chosen under this benefit

Medical Repatriation

- In case of Accident that results in requirement of medical repatriation, we will pay up to 25% of SI, subject to a maximum of ₹25 Lacs.


For complete details on Eligibility, Coverages, Benefits, Terms, Conditions and Exclusions please refer Policy Wordings and Prospectus.

Min Entry Age

Children - 5 years, Adult - 18 years

Cover Type

Individual and family Floater

Max Entry Age

Children - 25 years, Adult - 70 years

Policy Period

1, 2 and 3 years
(Long Term discount of 7.5% is applicable on premium for selecting a policy term of 2 years and 10% for selecting a policy term of 3 years)

Relationships covered

Self/ Spouse/ Dependent Children/ Dependent Parents/ Dependent Parent-in-laws

Premium Payment Mode

Monthly/Quarterly/Half-yearly/Single

Pro 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, disablement, repatriation of mortal remains and funeral expenses.

Global cover

from day 1

Sum Insured

5Lacs - 25 Cr

Sum Insured

25 Lacs

5 Lacs

25 Cr

PREMIUM PER ANNUM

1,469* inclusive of taxes

*The Premium value is indicative for the below mentioned profile Gender – Male, No. of Individual - 1, Age- 5 Years to 70 years , Tenure- 1 year, Premium payment mode- Single, Non Smoking

Proposal may be subject to underwriting review

Accidental Death (AD): 100% of SI in case of Accidental Death
200% of SI (If death occurs due to an Accident while travelling as a fare paying passenger on a common carrier)

Permanent Total Disablement (PTD): 100% of SI in case of PTD
200% of SI (If PTD occurs due to an Accident while travelling as a fare paying passenger on a common carrier)

Permanent Partial Disablement (PPD): In case of PPD, up to a percentage of SI is payable

Funeral Expenses: ₹50,000 for Sum Insured up to ₹50 Lacs ₹1,00,000 for Sum Insured above ₹50 Lacs

Repatriation of Mortal Remains: Up to 2% of SI, subject to a maximum of ₹5 Lacs Payable on Reimbursement basis

Optional covers of Temporary Total Disablement, Burns Benefit, Broken Bones Benefit, Coma Benefit, Child Welfare Benefit, Loss of Employment, Air Ambulance, Accidental Hospitalisation, EMI Shield, Loan Shield, Adventure Sports Cover, Medical Repatriation to supplement coverage under each plan

What’s covered

  • Accidental Death
  • Permanent Total Disablement
  • Permanent Partial Disablement
  • Funeral Expenses
  • Repatriation of Mortal Remains

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

In case of TTD, For earning member - 2% of SI or ₹1,00,000 per week or Insured Persons base weekly income at the time of claim, whichever is lower (for a maximum of 100 weeks) For Non-earning member (Can be opted only if the earning member is part of the TTD cover) - 1% of SI or ₹50,000 per week or 50% of the weekly compensation payable for the earning member (at the time of claim) covered in the same Policy, whichever is lower (for a maximum of 100 weeks)

Burns Benefit

Injury due to accidents leading to Burns is payable as a % of SI

Coma Benefit

For the Insured who is in the comatose stage due to Accident for at least 96 hours, we will pay 25% of SI, subject to a maximum of ₹25 Lacs.

Child Welfare Benefit

In case of AD of the Insured parent, Education Benefit: 10% of the SI, subject to a maximum of ₹20 Lacs. Irrespective of number of dependent children.

Broken bone benefit

Injury due to accidents leading to Broken Bones is payable as a % of SI

Loss of Employment

In case of PTD, PPD, we will make one-time payment of SI chosen under this cover or 3 months salary whichever is lower.

Air Ambulance

- In case of an Accident, for transporting to the hospital, up to ₹10 Lacs is Payable on Reimbursement basis

Accidental Hospitalisation

- If an 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 requirement of Hospitalization, then we will make payment for following SI options(Rs) - 5 Lacs, 10 Lacs, 15 Lacs, 20 Lacs, 25 Lacs, 50 Lacs

EMI Shield

In case of AD, PTD & PPD, we will pay lowest of sum total of 3 EMI’s due or the Sum Insured chosen under this benefit

Loan Shield

In case of AD or PTD, we will pay lowest of outstanding loan amount or the Sum Insured chosen under this benefit

Adventure Sports Cover

In case of AD, PTD while engaging in any listed Adventure Sports, we will pay 50% of SI, subject to a maximum of ₹50 Lacs.

Medical Repatriation

- In case of Accident that results in requirement of medical repatriation, we will pay up to 25% of SI, subject to a maximum of ₹25 Lacs.


For complete details on Eligibility, Coverages, Benefits, Terms, Conditions and Exclusions please refer Policy Wordings and Prospectus.

Min Entry Age

Children - 5 years, Adult - 18 years

Cover Type

Individual and family Floater

Max Entry Age

Children - 25 years, Adult - 70 years

Policy Period

1, 2 and 3 years
(Long Term discount of 7.5% is applicable on premium for selecting a policy term of 2 years and 10% for selecting a policy term of 3 years)

Relationships covered

Self/ Spouse/ Dependent Children/ Dependent Parents/ Dependent Parent-in-laws

Premium Payment Mode

Monthly/Quarterly/Half-yearly/Single

Classic 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, repatriation of mortal remains and funeral expenses.

Global cover

from day 1

Sum Insured

5 Lacs - 25 Cr

Sum Insured

25 Lacs

5 Lacs

25 Cr

Premium PER ANNUM

908* 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

Benefits

Accidental Death (AD): 100% of SI in case of Accidental Death
200% of SI (If death occurs due to an Accident while travelling as a fare paying passenger on a common carrier)

Funeral Expenses: ₹50,000 for Sum Insured up to ₹50 Lacs ₹1,00,000 for Sum Insured above ₹50 Lacs

Repatriation of Mortal Remains: Up to 2% of SI, subject to a maximum of ₹5 Lacs Payable on Reimbursement basis

Optional covers of Temporary Total Disablement, Burns Benefit, Coma Benefit, Child Welfare Benefit, Loss of Employment, Air Ambulance, Accidental Hospitalisation, EMI Shield, Loan Shield, Medical Repatriation to supplement coverage under each plan

What’s covered

  • Accidental Death
  • Repatriation of Mortal Remains
  • 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

Add Ons and Options

Temporary Total Disablement

In case of TTD, For earning member - 2% of SI or ₹1,00,000 per week or Insured Persons base weekly income at the time of claim, whichever is lower (for a maximum of 100 weeks) For Non-earning member (Can be opted only if the earning member is part of the TTD cover) - 1% of SI or ₹50,000 per week or 50% of the weekly compensation payable for the earning member (at the time of claim) covered in the same Policy, whichever is lower (for a maximum of 100 weeks)

Burns Benefit

Injury due to accidents leading to Burns is payable as a % of SI

Coma Benefit

For the Insured who is in the comatose stage due to Accident for at least 96 hours, we will pay 25% of SI, subject to a maximum of ₹25 Lacs.

Child Welfare Benefit

In case of AD of the Insured parent, Education Benefit: 10% of the SI, subject to a maximum of ₹20 Lacs. Irrespective of number of dependent children.

Loss of Employment

In case of PTD, PPD, we will make one-time payment of SI chosen under this cover or 3 months salary whichever is lower.

Air Ambulance

- In case of an Accident, for transporting to the hospital, up to ₹10 Lacs is Payable on Reimbursement basis

Accidental Hospitalisation

- If an 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 requirement of Hospitalization, then we will make payment for following SI options(Rs) - 5 Lacs, 10 Lacs, 15 Lacs, 20 Lacs, 25 Lacs, 50 Lacs

EMI Shield

In case of AD, PTD & PPD, we will pay lowest of sum total of 3 EMI’s due or the Sum Insured chosen under this benefit

Loan Shield

In case of AD or PTD, we will pay lowest of outstanding loan amount or the Sum Insured chosen under this benefit

Medical Repatriation

- In case of Accident that results in requirement of medical repatriation, we will pay up to 25% of SI, subject to a maximum of ₹25 Lacs.


For complete details on Eligibility, Coverages, Benefits, Terms, Conditions and Exclusions please refer Policy Wordings and Prospectus.

Eligibility

Min Entry Age

Children - 5 years, Adult - 18 years

Cover Type

Individual and family Floater

Max Entry Age

Children - 25 years, Adult - 70 years

Policy Period

1, 2 and 3 years
(Long Term discount of 7.5% is applicable on premium for selecting a policy term of 2 years and 10% for selecting a policy term of 3 years)

Relationships covered

Self/ Spouse/ Dependent Children/ Dependent Parents/ Dependent Parent-in-laws

Premium Payment Mode

Monthly/Quarterly/Half-yearly/Single

Other plans under ManipalCigna Accident Shield

Plus Plan

Sum insured

5Lacs - ₹ 25Cr

Base premium

1,056*/annum

Accidental death cover

Permanent total disability cover

Funeral expenses

Repatriation of mortal remains

Pro Plan

Sum insured

5Lacs - ₹ 25Cr

Base premium

1,469*/annum

Accidental death cover

Permanent total disablement

Permanent partial disablement

Repatriation of mortal remains

Plan Comparison

PLAN NAME Classic Plus Pro
Accidental Death (AD) Yes Yes Yes
Permanent Total Disablement (PTD) No Yes Yes
Permanent Partial Disablement (PPD) No No Yes
Funeral expenses Yes Yes Yes
Repatriation of Mortal Remains Yes Yes Yes
Optional Covers
Temporary Total Disablement (TTD) Yes Yes Yes
Burns benefit Yes Yes Yes
Broken bones benefit No No Yes
Coma Benefit Yes Yes Yes
Child Welfare Benefit Yes Yes Yes
Loss of employment Yes Yes Yes
Air Ambulance Yes Yes Yes
Accidental Hospitalisation Yes Yes Yes
EMI Shield Yes Yes Yes
Loan Shield Yes Yes Yes
Adventure Sports Cover No No Yes
Medical Repatriation Yes Yes Yes

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.