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ManipalCigna Lifestyle Protection - Accident Care
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ManipalCigna Lifestyle Protection - Accident Care

ManipalCignaHealth Insurance Co. Ltd. formerly known as Cigna TTK Health Insurance Company is a joint venture between Cigna Corporation (US based exceptional health service provider) and Manipal Group, an Indian leader in the world of business. With multiple branches in 11 cities, the headquarters are situated in Mumbai, offering abundant health insurance plans and policies which can be purchased for self, children, parents, and groups. ManipalCigna Lifestyle Protection plan is an accidental policy that comes in handy in covering those unexpected expenses arising out of an accidental disability or death.

What is ManipalCigna Lifestyle Protection - Accident Care Policy?

Life is unpredictable and this specialised plan from ManipalCigna Health Insurance company helps the insured deal with the financial stress one might suffer in an unforeseen mis-happening or unanticipated loss in an accident. This plan financially protects the insured against death or any kind of disability one may bear in an accidental loss. Any kind of unemployment, loss of income, or inability to bear the burden of running one’s family smoothly after an unfortunate event, is taken care of by this plan if purchased by the policyholder.

Features of ManipalCigna Lifestyle Protection - Accident Care Plan

The policy comes with the attractive features such as:

Network Hospitals

4000 plus

Grace Period

30 days

Renewability

Lifetime

Types

Individual and Family Floater Plans

Portability

Available to transfer policy from personal accident to Lifetime protection accident care plan

Coverage

Self, Spouse, children (till age 25), parents, parents-in-law, siblings

Sum Insured (Minimum)

Rs 50,000

Sum Insured (Maximum)

Rs 10 crore

Tenure of the Policy

1, 2 or 3 years

Free-look Period

A period of 15 days allowed, during which the individual, if not satisfied with the policy can cancel the purchase and is eligible for a full refund of the premium paid towards the policy

Family Savings

10% savings on the premium amount if more than 2 family members are included under a single individual policy

7.5% savings for 2 years policy and 10% savings for 3 years policy

Medical Screening

Not applicable for people till the age of 69 years

Waiting period for critical illness

90 days for symptom of illness to show up as an ailment

Premium payment mode

Single premium payment mode which can be paid annually provided the policy is of 2- or 3-year tenure

Benefits of the ManipalCigna Lifestyle Protection – Accident Insurance Policy

There are 3 main types of plans under this policy:

  • Plan A – Provided basic coverage to the insured
  • Plan B – Enhanced Coverage
  • Plan C – Complete and comprehensive coverage

and here are the inclusions in each of them:

Parameters

Plan A – Basic cover

Plan B – enhanced Cover

Plan C – Comprehensive Cover

Accidental Death (AD)

 

100% of Basic Sum Insured

100% of Basic Sum Insured

100% of Basic Sum Insured

Accidental Death (Common Carrier)

 

200% of Basic Sum Insured

200% of Basic Sum Insured

200% of Basic Sum Insured

Permanent Total Disability (PTD)

 

Not Applicable

Not Applicable

100% of Basic Sum Insured

Permanent Partial Disability (PPD)

 

Not Applicable

Not Applicable

As per the limits specified under the guidelines in the table

Permanent Total Disability (Common Carrier)

 

Not Applicable

Not Applicable

200% of the basic sum insured

Emergency Ambulance Cover

 

• Rs 2000 for SI Rs 25 lakh

• Rs 3000 for sum insured of Rs 25 - 50 lakh

• Rs 5000 for sum insured of Rs 50 lakh– 3 crore

• Rs 10000 for sum insured above Rs 3 crore

• Rs. 2000 for SI 25 Rs lakh

• Rs 3000 for sum insured of Rs 25 - 50 lakh

• Rs 5000 for sum insured of Rs 50 lakh – 3 crores

• Rs 10000 for sum insured above Rs 3 crore

• Rs. 2000 for SI Rs 25 lakh

• Rs 3000 for sum insured of Rs 25 - 50 lakh

• Rs 5000 for sum insured of Rs 50 lakh – 3 crore

• Rs 10000 for sum insured above Rs 3 crore

Funeral Expenses

 

Rs 5000 – for sum insured up to Rs 50 lakh

Rs 10000 - for sum insured above Rs 50 lakh

 

Rs 5000 – for sum insured up to Rs 50 lakh

Rs 10000 - for sum insured above Rs 50 lakh

 

Rs 5000 – for sum insured up to Rs 50 lakh

Rs 10000 - for sum insured above Rs 50 lakh

 

Education Fund

 

Not Applicable

10% of basic sum insured with a maximum of Rs 10 lakhs for two children

10% of basic sum insured with a maximum of Rs 10 lakhs for two children

Orphan Benefit

 

Not Applicable

Not Applicable

100% of Basic Sum Insured

Loss of Employment

 

Not Applicable

Not Applicable

Monthly income provided for three months


Add on Benefits or Additional riders which can be combined with ManipalCigna Lifestyle Protection – Accident Insurance Policy

Name of the Add on benefit

What is it about

Compensation to be paid for it

Temporary Total Disablement (TTD)

 

If the condition of TTD happens in an unfortunate event within 365 days of the purchase of the policy, then this benefit will be applicable

1% of the total sum insured or Rs 25000 on a weekly basis (whichever is less)

Burns Benefit

 

In case of burns in an accident – the compensation will be paid out with the following conditions:

• The Burns should not be self-inflicted
• A professional Medical Practitioner confirms the diagnosis and treatment of the burn and the percentage of burnt area in writing

As per the specified limits in the policy documents and terms and conditions of the plan purchased

Broken Bones Benefit

 

If bones are broken in an unfortunate event of an accident, the compensation as specified will be paid out

As per the specified limits in the policy documents and terms and conditions of the plan purchased

Coma Benefit

 

If the insured is in a state of coma due to an unfortunate event of an accident, the compensation as specified will be paid out

25% of the basic sum insured


Exclusions of ManipalCigna Lifestyle Protection – Accident Insurance Policy

This accidental insurance policy from ManipalCigna Health Insurance doesn’t offer coverage for the following:

  • HIV, AIDS, or other sexually transmitted illness
  • All pre-existing conditions or disabilities which are a result of a pre-existing diseases
  • Death due to suicide or self-inflicted injury
  • Act of self-harm
  • Genetic and mental disorders
  • Illness or condition arising out of drug abuse, hazardous activities, or any illegal activity
  • Dental treatments are excluded
  • Certification by a Medical Practitioner who is a family member of the Insured
  • Death or disablement due to foreign invasion, war, participation in any naval, military or air-force operations
  • Congenital diseases, defects, anomalies, or any related illness

Eligibility Criteria to Purchase ManipalCigna Lifestyle Protection – Accident Insurance Plan

The minimum eligibility criteria for buying this policy are:

Minimum and Maximum Age for children and dependents

5 years to 25 years

Maximum and Maximum Age for adults

18 years – 80 years

Sum Insured

Rs 50000 to Rs 10 crore

Family Definition

Earning member – insured up to a 100% of sum insured

Dependent children – insured up to a 30% of sum insured

Parent, in-laws, sibling – insured up to a 30% of sum insured


Claim Process of the ManipalCigna Lifestyle Protection – Accident Insurance Policy

To filing a claim under ManipalCigna health insurance, the insured has to follow the below steps:

Step 1 – The insured needs to contact the insurance company within 10 days of the occurrence of the accident which has taken place through email, helpline number, or by contacting the nearest branch of the insurer.

Step 2 – Accumulate details that will be required to file the claim like:

  • Policy Number
  • Name of the Policyholder
  • Name of the Insured Person under whose name the Claim is being registered
  • Nature of Accident
  • Name and address of the attending doctor and Hospital
  • Date of Admission
  • Any other information, documentation as requested by Insurer

Step 3 – Fill a claim form and submit the required documents to the insurer after which a claim reference number or an intimation number will be generated.

Step 4 – The insurance company will scrutinize the file and might call for an investigation/query. On successful resolution of the same, the insurer pays the claim amount.

Documents Required to Complete the Claim Process

One has the furnish the following documents at the time of claiming the policy:

  • Photo Identity Proof which could be an Aadhar Card, Voter ID, Passport, PAN Card, Driving License
  • Income Proof and Last 3 months Salary Slip or Form 16 for salaried person and Last year’s ITR for self-employed persons
  • Duly completed and signed claim form
  • Copy of FIR, Panchnama or a Police Inquest Report attested by the concerned Police Station (if applicable)
  • Copy of Medico Legal Certificate attested by the Hospital (if applicable)

Additional Claim Documents

Other documents required based on the claim type are:

Accidental Death

• Death summary issued by a Hospital

• Postmortem Report (if applicable)

• Identity proof of Nominee

Permanent Total Disablement, Permanent Partial Disablement as well as optional benefit or Temporary Total Disablement

• Original treating Doctor’s certificate describing the disablement

• Original Discharge summary from the Hospital

• Photograph of the Insured Person with the disablement

• Prescriptions and consultation papers of the treatment

• Disability certificate issued by the District, State or Government Board or by a surgeon of the same qualification

• medical investigation reports, consultation treatment papers

 

Accidental Death & Permanent Total Disablement (Common Carrier)

 

Original Passenger Ticket or Boarding Pass in the name of the Insured

Responsibility to show the proof of travel will be on the Insured.

 

Emergency Ambulance:

 

Original Bill

Orphan Benefit

 

• Birth Certificate of child or adoption papers (if adopted)

• Any other legal and authentic document to establish relationship

• Passport or an Education certificate as a proof of the child's relationship with parents.

• Legal Guardian Certificate if the Child is a minor

 

Education Fund

 

• Proof of relationship – Passport/Education certificate as a proof of the child's relationship with parents

• Birth Certificate or Adoption Papers (if adopted)

• Photo Identity Proof of Child (Children)

• Age proof of Child (Children)

• Certificate from Educational Institution describing course details

 

Loss of Employment:

 

• Loss of Employment/Termination Letter

• Reason for termination

• Salary Slip of last 3 months (for salaried persons)

 


Documents Required to Purchase ManipalCigna Lifestyle Protection – Accident Insurance Plan

The required documents for buying this policy are:

  • Application or Proposal form duly filled with all personal and professional details, along with passport size photograph, and valid signatures of the policyholder
  • Identity proof, Address Proof, Age Proof and Salary/ business proof
  • Medical screening test reports – applicable in a few cases especially if the age is old or if the sum insured is very high

How to Purchase ManipalCigna Lifestyle Protection – Accident Insurance Policy?

There are simple steps to follow to purchase this policy which can be done through an agent, a nearest branch. But the best way to purchase is online and the following procedure needs to be followed:

  • Step 1 – Go to the official website of Paisawiki.com.
  • Step 2 – Go to the ‘Health’ option and click on ‘Get Free Quotes’. One the net page, enter personal details like name, age, lifestyle-based questions, type of policy, contact details, etc.
  • Step 3- A list of plans will be suggested by the website. Choose the desired plan.
  • Step 4 – Go through the purchasing procedure after accepting the necessary terms and conditions.
  • Step 5 – The applicant must make an online payment and a soft copy of the policy document will be mailed to the applicant.

How to Renew ManipalCigna Lifestyle Protection – Accident Insurance Policy?

It is imperative to renew the policy within 30 days of grace period to avoid any lapse or issues regarding the renewal. The renewal steps with paisawiki.com are:

  • Step 1 – Click on the Renewal Tab on the home page of the website.
  • Step 2 – Enter personal and the policy related details like policy number of the current plan.
  • Step 3 – After making the online payment towards the renewal of the policy, the same will be processed and an updated document will be sent to the policyholder.

FAQs

  • Q.Why should an individual buy an accident cover?

    Ans: In today’s unpredictable life it is imperative to buy an accident cover as it provides financial support to the insured in case of any kind of disability of the insured due to an accident or to his family members in case of his sudden death. Furthermore, the extent of the mishap does not stop at death or disability, small injuries burns or little accidental issues are also covered under this plan and is a comprehensive policy for the insured, his family and his children helping him to be financially secure, after an unfortunate accident.

  • Q.Why is ManipalCigna Lifestyle Protection – Accident Insurance Policy better than the other Personal Accident Policies?

    Ans: A personal accident policy covers the insured and his family against accidental death, disability – permanent or temporary and loss of income. But ManipalCigna Lifestyle Protection – Accident Insurance Policy provides additional coverage for partial disability, funeral expenses, coverage for ambulance, orphan benefit, and many more risks.

  • Q.What is covered under Permanent Total Disability and Permanent Partial Disability?

    Ans: Under PTD – Permanent Total Disability coverage for total disability of vital organs like eyes, limbs, speech, hearing due to an accident

    Under PPD – Permanent Partial Disability, coverage for partial disability of vital body organs due to an accident.

  • Q.Can an NRI purchase the ManipalCigna Lifestyle Protection – Accident Insurance Policy?

    Ans: Yes, he/she needs to fulfil the following conditions to purchase this policy:

    He/she should have a physical address in India for future communication.

    He/she should be physically present in India while filling the proposal form.

    Any NRI or PIO who is back in India and is settled or employed here is eligible for this cover.

    NRIs who get their medical tests to be taken place only in India and sign and fill proposal form in India

  • Q.Is it possible for the insured to alter the plan?

    Ans: Yes, details like addition or deletion of the insured, changes in personal details or any other modification in the policy can take place at the time of renewal subject to laws and terms and conditions of the policy.

Written By: Paisawiki - Updated: 12 February 2021

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