ManipalCigna Lifestyle Protection - Accident care

What is an accident?

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

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.

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.

What are the coverages under Lifestyle Protection - Accident Care policy?

The policy provides coverages 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

What are the plans available under Lifestyle Protection- Accident Care policy?

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

Plan A - Basic Cover Plan B - Enhanced Cover Plan C - Comprehensive Cover
• Accidental Death • Accidental Death • Accidental Death
• Emergency Ambulance Cover • Permanent Total Disablement • Permanent Total Disablement
• Funeral Expenses • Education Fund • Permanent Partial Disablement
  • Emergency Ambulance Cover • Education Fund
  • Funeral Expenses • 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

What is covered under PTD - Permanent Total Disability?

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

What is covered under PPD - Permanent Partial Disability?

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

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.

What is orphan benefit?

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

What is burns benefit?

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

What is broken bones benefit?

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

What is coma benefit?

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

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.

Is there a provision to opt long term policy?

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

I have a Personal Accident policy with a previous insurance company carrying Cumulative Bonus (CB), will this CB be transferred to my Accident Care policy in case I renew without a break?

Portability is not applicable to personal accident policy. However if a customer comes with a Sum Insured plus Cumulative Bonus from previous insurer, we can offer him/her a matching Sum Insured available with our plan provided they meet the Sum Insured criteria of our product, which is maximum of 15 times of annual income.

Can foreign nationals working in India take Accident Care 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.

Can a NRI take Accident Care policy?

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.

If a person is injured in terrorist attack, does this policy pay for such claims due to terrorist attacks?

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

Can a dependent spouse take Accident Care policy?

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.

What relationships are covered under Accident Care policy?

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

What is the minimum and maximum entry age?

The minimum entry age under this policy is 18 years for children and 25 years for adults. The maximum age at entry is 75 years. The maximum entry for Children age is 25 years. only for GPA Student policy minimum entry age is 3 years

What is the maximum age for renewal of Accident Care policy?

Policy is renewable for lifetime.

Does the policy cover individual and family?

Yes, Accident Care is available as an individual and family basis cover.

What is a family basis cover?

Under family basis, members are eligible for cover as a percentage of the earning members sum insured.


Are alterations allowed in the policy?

Alteration in sum insured, change in plan and addition/deletion of insured person are allowed at the time of renewal subject to underwriting.

Can I cancel the policy midway? Will unused premium be refunded?

You can place a request for cancellation any time within the policy period. Premium will be refunded on short period basis.

If I am hospitalized due to Accidental Injury can I avail the cashless facility?

All the covers under the Accident Care policy is available on benefit basis. Cashless facility is not available in this policy.

What documents are needed to make a claim?

The below documents are required for all Claims. Documents specific to each benefits are mentioned in the prospectus available on our website.

• Photo Identity Proof - Voter ID, Passport, PAN Card, Driving License, Ration Card, Aadhar, or any other proof accepted by the KYC norms as approved by the Company and which is admissible in court of law

• Duly completed and signed claim form in original as prescribed by Us.

• Copy of FIR/ Panchnama /Police Inquest Report (if conducted) duly attested by the concerned Police Station;

• Copy of Medico Legal Certificate(if conducted) duly attested by the concerned Hospital,

• Income Proof

    • Last 3 months Salary Slip/Form 16 for salaried persons

    • Last financial years ITR for self-employed persons

What is the procedure to make a claim? Whom do I have to contact in case of a claim?

All claims for Lifestyle Protection-Accident Care to be informed within 10 days of occurrence of the event at a ManipalCigna branch, call center or head office.


Submit the dully filled and signed claim form along with the documents mentioned in the claim form within 30 days of occurrence of the event at any of our branches or head office.


For any claims related query, information or assistance you can contact our Health line 1-800-10-24462 or visit our website or email us at


All Payments under the Policy will be made in Indian rupees on benefit basis only.

How is sum insured determined under the policy?

Sum Insured is calculated as a maximum of 15 times of Annual Income of the Proposer or Earning member to be insured, where the Proposer is not the Insured.

Will the policy cover hospitalization expenses?

The policy provides lump sum benefit on death, disability and other contingencies under optional cover. The money can be utilized by the insured person as per his/her requirement. Hospitalization benefit is not available in this policy.

Will the policy cover me for accidental injuries outside India?

Yes, policy covers death or disability due to accident anywhere in the world.

Does this policy have hospital daily cash benefit?

No, hospital daily cash benefit is not available in Accident Care policy.

What are the factors affecting Accident Care premium?

The Premium for the policy depends on the Plan, Optional Covers, Sum Insured and Policy Period.

What are the different premium modes available?

Premiums are payable either by single premium mode or annually in case of 2 & 3 years policy term.

Do I need to undergo medicals to take the policy?

Medical underwriting may be required for persons above 70 years and upto 80 years.

Is there any tax benefit available under the policy?

There is no tax benefit for the premium paid towards Accident Care policy.

What all are excluded from coverage under the policy?

Few key exclusions under this policy are:
• Any pre-existing condition or disability arising out of preexisting diseases
• Suicide, intentional self-injury, acts of self-destruction
• HIV/AIDS and its complications.
• Hazardous Activities
Above list is only indicative and not exhaustive. Please refer policy terms and conditions for complete details.