ManipalCigna Lifestyle Protection Accident Care Plan

Policy Benefits

• Accidental Death is covered up to the limits specified.
• Permanent total disablement is covered as specified in the policy. This benefit is applicable for Plan B & Plan C.
• Permanent partial disablement is paid as a specified percentage of the sum insured as provided in the sub-limits. This benefit is applicable only for Plan C.
• Orphan benefit is payable in case of accidental death of the parents. An amount equal to the sum insured opted is payable towards the dependent child. This benefit is applicable only for Plan C.
• In case of permanent total or partial disablement, you will be paid an amount equal to basic monthly income for 3 months. The Loss of Employment is applicable only for Plan C.
• Funeral expenses are covered as per the limits specified.
• Education fund for 2 dependent children being up to 25 years is applicable under this plan. This benefit is applicable for Plan B & Plan C.
• Temporary total disablement is covered up to the sub-limits mentioned. It is available as an optional cover.
• Accidental burns are covered as a fixed percentage of the sum insured. It is available as an add-on cover.
• Broken bones are covered as a specified percentage of the sum insured. It is an optional cover.
• If insured, suffering from coma due to an accident, a specific percentage of the sum insured is payable. It is an add-on cover.

Value Added Benefits

• Emergency ambulance charges are covered, up to the limits specified.
• Increase/Decrease in sum insured is allowed at the policy renewal.
• No pre-policy medical check up is required up to 70 years of age.
• Enjoy portability benefit.
• Grab 10% family discount for covering two or more family members.
• 7.5% & 10% discount is applicable on choosing 2-year and 3-year single premium policy respectively.
• Get 24*7 claims assistance from in-house team.

Sub Limits

• Accidental Death is payable up to 100% of the Sum Insured (SI). If death occurs when travelling as a fare paying passenger on a common carrier, up to 200% of SI is payable.
• Permanent total disablement is covered up to 100% of SI. This payout will be 200% of SI, in case death occurs while travelling on a common carrier.
• Permanent partial disablement is covered in a range of 2% to 50%, depending on the condition.
• Emergency ambulance charges are payable in a range of Rs 2,000 to Rs 10,000, depending on the sum insured chosen.
• Funeral expenses are paid as a one-time payment. Rs 5,000 is payable for 50 Lacs SI and Rs 10,000 for sum insured above 50 Lacs.
• Education fund as a one-time payment equal to 10% of SI per surviving dependent child, subject to maximum of Rs 10 Lacs per policy.
• Temporary total disablement is covered up to 1% of SI per week, to a maximum of Rs 25,000. This benefit is payable for a maximum of 100 weeks.
• Accidental burns are covered in a range of 10% to 100%, depending on the burns sustained.
• A lump sum amount towards broken bones are payable in a range of 3% to 100% of SI.
• Coma is covered up to 25% of the sum insured under this policy.

Waiting Period Clause

No waiting period is applicable under this policy.