India's 1st IRDAI Approved Insurance Web Aggregator

ManipalCigna Lifestyle Protection Accident Care Plan

  •  2 views
  •  views

ManipalCigna Lifestyle Protection Accident Care Plan


ManipalCigna Personal Accident Insurance Plan has been specifically designed to help you prepare for unanticipated situations in life. This plan will entitle you to a monetary compensation in case of death or disablement arising out of an accident. In addition to this, it also protects you against loss of income, if the insured is not able to hold on to the employment due to the accident and takes care of your children’s education needs as well. This plan has one variant referred to as the Life style protection-accident care plan. 

Key Features of ManipalCigna Lifestyle Protection Accident Care Plan

  • Network of more than 4,000 hospitals offering cashless facility
  • 30-day Grace period to renew a single premium policy from its expiration date. 
  • Policy can be bought as an individual or for the entire family
  • Policy offers portability option

Benefits you get in ManipalCigna Lifestyle Protection Accident Care Plan

 

Age (In years)

For Adults:

Minimum: 18

Maximum: 80

For Children:

Minimum: 5

Maximum: 25

Coverage (In Rs)

Minimum

50,000

Maximum

10 crore

Renewable Age Limit

None

Medical Test

None for person(s) up to the age of 69 years

Waiting Period for Critical Illness

90 days for symptoms of illness to surface

Coverage

  • In case of death attributed to accident: 100% of Sum Assured
  • In case of death attributed to accident in a common transport, for which insured has paid a fare to avail the service: 200% of Sum Assured

Sum Assured

In case of,

Permanent Partial Disablement: Entitles you to a benefit of up to 200% of the Sum Assured

Temporary Total Disablement: Insured is entitled to a weekly benefit of 1% of the Sum Assured, not exceeding Rs. 25,000 up to 100 weeks.

Permanent Total Disablement: 100% coverage amount is given in case of permanent total disablement

Policy Tenure

  • Three tenure options: 1 year, 2 years and 3 years

Premium Payment

  • Single premium mode with an additional option of paying annually if, the policy has 2 or 3 year tenure

Plan Variants

  • Basic Plan: Accidental Death

Emergency Ambulance Cover Facility

Funeral Expenses

· Enhanced Cover: Accidental Death

Permanent Total Disablement

Education Fund

Emergency Ambulance Cover

Funeral Expenses

 

· Comprehensive Cover: Accidental Death

Permanent Total Disablement

Permanent Partial Disablement

Education Fund

Emergency Ambulance Cover

Orphan Benefit

Loss of Employment

Funeral Expenses

Add-on Cover

· Temporary Total Disablement

  • Coma Benefit
  • Broken Bones Benefit
  • Burns Benefit
 

Additional Features in ManipalCigna Lifestyle Protection Accident Care Plan

Broken Bone Benefit: In an unlikely event, wherein, the insured has a fracture directly attributing to an accident, the insured is entitled to a lump-sum payment, based on the terms & conditions of the policy. Please read the offer document carefully to know what you will be entitled to, as the amount will vary depending upon the extent of your coverage amount. 
Education Fund: In case of death or permanent disability of the insured, Dependent children not exceeding 2, will be entitled to a one-time payment equal to 10% of sum assured in the policy. However, the amount per policy cannot exceed Rs. 10lakh
Loss of Employment Compensation: If an accident renders you unfit for work, the policy entitles you to a monthly income of 3 months, computed either by your IT return or your last salary slip. 
Permanent Total Disablement: 100% coverage amount is given in case of permanent total disablement
Permanent Partial Disablement: Entitles you to a benefit of up to 200% of the Sum Assured
Temporary Total Disablement: Insured is entitled to a weekly benefit of 1% of the Sum Assured, not exceeding Rs. 25,000 up to 100 weeks. 
Family Discount: 10% discount on the premium amount on enrolling more than 2 family members under a single individual policy.

Free look Period: A period of 15 days from the receipt of the policy document is available to review the terms and conditions of this policy. Insured can choose to cancel the policy by stating the reason for cancellation.

What is not covered in Cigna Lifestyle Protection Accident Care Plan
  • All pre-existing condition or disability arising out of pre-existing diseases
  • Death attributed to suicide
  • Any injury attributed to acts of self-destruction
  • HIV and related illness
  • Genetic disorder
  • Mental disorder
  • Illness or condition arising out of substance abuse

Leave a Comment

Personal Accident Insurance Calculator