Manipal Cigna Lifestyle Protection Accident Care Policy

Here are the key features and benefits of considering the Manipal Cigna Lifestyle Protection Accident Care.

• Accidental Death: One of the major benefits of choosing the Manipal Cigna Lifestyle Protection Accident Care policy is that it will pay a lump sum amount as specified in the Schedule to this Policy to the Insured Person’s Nominee in the event of the Insured’s Death due to Accident is one of the main advantages of choosing it.

• Permanent Total Disablement: Another important benefit of choosing the policy is that it will provide a lump sum payment as described in the Schedule of this Policy if the Insured Person suffers Permanent Total Disablement as a result of an accident.

• Permanent Partial Disablement: If the insured person suffers a permanent partial disability as a result of an accident, the plan will pay a lump sum according to the disability grid provided in the policy.

• Emergency Ambulance Cover: The Manipal Cigna Lifestyle Protection accident care also offers a lump sum payment for ambulance expenses incurred in the event of an emergency resulting from an accident, as specified in the Schedule to the Policy.

• Orphan Benefit: If a claim has been approved under (I) above for an insured person who is a parent and the spouse, who may or may not be an insured person, has also passed away as a result of the same Accident, the company will pay a lump sum to the dependent child equal to the chosen Sum Insured, regardless of whether the child is also an insured under the policy. The Sum Insured Payable will be higher than the two Insured Parents in cases where both parents have coverage through the company.

• Loss of Employment: A monthly payout will be made to the insured person by the terms of the policy if a claim has been approved for an insured person.

• Funeral Expenses: After the company has granted an Insured Person’s claim, it is going to pay a lump sum in compliance with the Schedule of the Policy.

• Education Fund: The company will pay 10% of the Sum Insured per dependent child (up to a maximum of Rs 10,00000) if a claim has been approved for an insured person for (I) or (II) as described above, provided the child is enrolled full-time in an accredited tertiary institution and has no other independent source of income.

• Temporary Total Disablement: The policy’s ability to pay less than 1% of the selected Sum Insured or Rs. 25,000 per week (for a maximum of 100 weeks) for the length of time of the insured person’s Temporary Total Disability is another key benefit.

• Burns Benefit: If the insured person sustains burns as a result of an accident, the plan will pay a lump sum amount by the Grid provided in the policy.

• Broken Bones Benefit: If the insured person sustains broken bones as a result of an accident, the plan will pay a lump sum according to the policy’s grid.

• Coma Benefit: If the insured person experiences a coma as a result of an accident, the Manipal Cigna Lifestyle Protection Accident Care policy will pay a lump sum of 25% of the selected Sum Insured to the Insured Person’s Nominee.

• Grace Period: By mutual agreement, the policy may be renewed for as long as necessary, provided that the renewal premium is paid to the company on or before the policy’s expiration date and in no case afterwards than the Grace Period of 30 days following the policy’s expiration date.

• Free Look period: The terms and conditions of this Policy may be reviewed within 15 days of the date of receipt of the Policy document. You have the option to revoke the Policy by providing written notice of your intent to do so. If no claims are reported as being made (paid or pending) under the Policy, the company will fully refund any fees paid.