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Manipal Cigna Saral Suraksha Bima Plan

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Manipal Cigna Saral Suraksha Bima Plan Summary

Saral Suraksha Bima is a personal accidental insurance plan from Manipal Cigna. This policy will  safeguard your unexpected expenses arising from death or serious injury caused by an accident, by securing your finances.
Plan name Saral Suraksha Bima
Policy type Personal Accident Insurance
UIN MCIPAIP21622V012021

Key features of Manipal Cigna Saral Suraksha Bima Plan

  • 100% payout in case of ‘Accidental Death’.
  • 100% payout in case of ‘Permanent Total Disablement’.
  • Maximum 50% payout in case of ‘Permanent Partial Disablement’.
  • Sum insured options are available between Rs. 2.5 lakhs and Rs. 1 crore.
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Eligibility Criteria in Manipal Cigna Saral Suraksha Bima Policy

Entry age Min - Children 3 months, Adult 18 years
Max - Children 25 years, adult 70 years
Relationships covered Self, Spouse, Dependent Children, Parents, Parents-in-laws
Tenure 1 year

Benefits in Manipal Cigna Saral Suraksha Bima Plan

Accidental death:  In case of Accidental Death of the insured, 100% of sum insured will be provided to the nominee as ‘Death Benefit’. 

Permanent Total Disablement: If an insured is suffering from Permanent Total Disablement due to an accident then that person is entitled to receive 100% of the sum insured as payout.  This refers to a person suffering an injury due to an accident which occurs during the Policy Period which results in permanent total disablement within 12 months from the date of accident. Conditions related to Permanent Total Disablement are as follows. 
  • Total and irrecoverable loss of sight of both eyes
  • Physical separation or loss of use of one hand and one foot
  • Physical separation or loss of use of both hands or feet
  • Loss of sight of one eye and Physical separation or loss of use of hand or foot

Permanent Partial Disablement:  If the insured is suffering from Permanent Partial Disablement then the payout completely depends on the severity of the disability. Maximum of 50% of the sum insured shall be paid for this feature. Conditions included in Permanent Partial Disablement with the % of payout are as follows.
Conditions Covered Sum Insured Payable
Loss of Use/ Physical Separation:  
One entire hand 50%
One entire foot 50%
Loss of Sight of one eye 50%
Loss of toes - all 20%
Great both phalanges 5%
Great - one phalanx 2%
Other than great if more than one toe lost 1%
Loss of Use of both ears 50%
Loss of Use of one ear  20%
Loss of four fingers and thumb of one hand 40%
Loss of four fingers 35%
Loss of thumb  
Both phalanges 25%
One phalanx 10%
Loss of Index finger:  
Three phalanges 10%
Two phalanges 8%
One phalanx 4%
Loss of middle finger:  
Three phalanges 6%
Two phalanges 4%
One phalanx 2%
Loss of ring finger:  
Three phalanges  5%
Two phalanges 4%
One phalanx 2%
Loss of little finger:  
Three phalanges 4%
Two phalanges 3%
One phalanx 2%
Loss of metacarpus:  
First or second (additional) 3%
Third, fourth or fifth (additional) 2%
Any other permanent partial disablement As assessed by an independent Medical Practitioner

Optional Covers:

Temporary Total Disablement: Weekly Compensation of 0.2% of the base sum insured which will be for a maximum of 100 weeks. Temporary Total Disablement should not exceed 4 consecutive weeks from the date of an accident. 

Hospitalization Expenses due to Accident: Hospitalization expenses arising due to an accident shall be provided up to a limit of 10% of base sum insured. Coverage of expenses arising out of hospitalization shall be as follows:
  • Room, Boarding, Nursing Expenses as provided by the Hospital / Nursing Home.
  • Surgeon, Anesthetist, Medical Practitioner, Consultants, Specialist Fees whether paid directly to the treating doctor / surgeon or to the hospital. 
  • Anesthesia, blood, oxygen, operation theater charges, surgical appliances, medicines and drugs, costs towards diagnostics, diagnostic imaging modalities, and such other similar expenses.
  • Intensive Care Unit (ICU) / Intensive Cardiac Care Unit (ICCU) expenses.
  • The Cost of prosthetic and other devices or equipment if implanted internally during a Surgical Procedure carried out to treat the accidental injury covered under the policy
  • Expenses incurred on hospitalization due to accident, under AYUSH (as defined in IRDAI Health Insurance Regulations, 2016) systems of medicine shall be covered without any sub-limits. 

Education Grant: This feature is applicable in case of insured’s Accidental death and Permanent Total Disablement. 10% of base sum insured shall be provided to the dependent children. 

Ambulance Charges: Maximum payout provided by the company for road ambulance shall be Rs. 2,000.

Cumulative bonus: Minimum 5% and maximum of 50% of sum insured shall be added to the coverage amount in a claim free year.  For detailed information about cumulative bonus you have to Click here.

Exclusions in Manipal Cigna Saral Suraksha Bima Plan

  • Any claim for death or disablement arising due to war and  war like occurrence
  • Intentional self-injury, influence of liquor or drugs, Aviation or ballooning, Any breach of law or criminal intent.
  • Injury occurring due to Hazardous or Adventure Sports.
  • Nuclear fuel, nuclear waste, Chemical and Biological Terrorism.
  • Due to Investigation and evaluation which consists of the following conditions:
    • Expenses related to any admission primarily for diagnostics and evaluation purposes.
    • Any diagnostic expenses which are not related or not incidental to the current diagnosis and treatment.
    • Expenses incurred for treatment of accidental injuries which does not warrant hospitalization. 
    • Any expenses incurred on Domiciliary Hospitalization and OPD treatment.
    • Treatment taken outside the geographical limits of India. 

Manipal Cigna Saral Suraksha Bima Policy will protect you against expenses which you may incur in case of an accident. Personal Accident Insurance Plans are priced affordably and can be a good protection to have.

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