Standard Personal Accident Policy to safeguard your unexpected expenses arising from death or serious injury caused by an accident, while securing your finances
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
Individual
Family
Multi Individual
Key Benefits
Launch Date: 01-04-2021
Saral Suraksha Bima Accident Policy - ManipalCigna
A plan that safeguards you and your family financially and offers sense of security against unexpected expenses arising from death or serious injury caused by an accident.
Sum Insured
2.5Lacs- 1Cr
Sum Insured
10 Lacs
PREMIUM PER ANNUM
625* 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.
**In order to avail any other sum insured or for understanding of Terms and Conditions/Benefits, kindly get in touch with the customer service/sales representative at the ManipalCigna branch office.
Proposal may be subject to underwriting review.
Accidental Death:
Provides 100% of Sum Insured in case of Accidental Death.
Permanent Total Disablement:
Provides 100% of Sum Insured in case of Permanent Total Disablement.
Permanent Partial Disablement:
Permanent Partial Disablement in case of accident covered as a percentage of chosen Sum Insured.
Cumulative Bonus:
Cumulative Bonus of 5% for each claim-free policy year, provided the policy is renewed without a break, subject to a maximum of 50% of the sum insured. If a claim is made in any particular year, the cumulative bonus accrued will be reduced at the same rate at which it has accrued.
What’s covered
- Accidental Death
- Permanent Partial Disablement
- Permanent Total Disablement
- Cumulative Bonus
What’s not covered
- Any claim for death or disablement arising due to War and war like occurrence, civil war, hostilities etc
- Any claim for death, disablement from intentional self-injury, intoxicating liquor or drugs, etc
- Any claim for death, disablement due to participation as a professional in hazardous or adventure sports
- Any claim resulting or arising from or any consequential loss or Ionizing radiation or contamination by radioactivity
- Any loss arising out of the willful participation in an illegal act or any violation or attempted violation of the law
- Expenses related to any admission primarily for diagnostics and evaluation purpose
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
Temporary Total Disablement in case of accident covered as a percentage of chosen Sum Insured
Hospitalisation Expenses due to Accident
Covers hospitalisation expenses due to accident without any capping on room / category
Education Grant
One time Education Grant as a percentage of sum insured paid to the dependent children on claim due to death or permanent total disablement of the Insured Person.
Min Entry Age
Children - 3 months, Adult - 18 years
Cover Type
Individual and Family cover
Max Entry Age
Children - 25 years, Adult - 70 years
Policy Period
1
Relationships covered
Self, Spouse, Dependent Children, Parents, Parents-in-laws
Premium Payment Mode
Yearly, Half Yearly, Quarterly, and Monthly
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.
