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Overview
The ManipalCigna Lifestyle Protection Accident Care plan comes in three variants, which ascend in coverage options (detailed in the specifications table). The variants are:
- ManipalCigna Lifestyle Protection Accident Care - Basic plan
- ManipalCigna Lifestyle Protection Accident Care - Enhanced plan
- ManipalCigna Lifestyle Protection Accident Care - Comprehensive plan
This page discusses all the highlights of this plan, along with the eligibility criteria, benefits, specifications, and exclusions. Read further to know more.
Buy your ManipalCigna Lifestyle Protection Accident Care insurance plan that protects you financially to create a better tomorrow. Along with its accidental death or disability covers, it also features a safety guard against the loss of a job due to any disability or medical adversity. Furthermore, it offers your children an education fund to take care of their future when you are not around.
Moreover, an accident can happen at any time in one's life; isn't it better to be prepared for those uncertainties? You can renew your ManipalCigna Lifestyle Protection Accident Care policy beyond 70 years of age, provided the sum insured value will not exceed INR 10 Lakhs and the coverage benefits will be limited only to accidental death and permanent total disability.
Plan Specifications
Coverage Benefits
| Specifications | Basic | Enhanced | Comprehensive |
|---|---|---|---|
| Accidental death | Covered up to 100% of the SI | Covered up to 100% of the SI, and up to 200% if death occurs as a fare-paying passenger on a common carrier | Covered up to 100% of the SI, and up to 200% if death occurs as a fare-paying passenger on a common carrier |
| Permanent total disability | Not covered | Covered | Covered |
| Permanent partial disability | Not covered | Not covered | Covered |
| Education fund | Not covered | One-time education fund (10% of the SI, up to a maximum of INR 10 Lakhs per policy) for up to two children | One-time education fund (10% of the SI, up to a maximum of INR 10 Lakhs per policy) for up to two children |
| Emergency ambulance cover | One-time cover up to INR 2,000 - 10,000 | Pays out a lump sum amount for ambulance services | Pays out a lump sum amount for ambulance services |
| Orphan benefit | Not covered | Not covered | Payout up to the SI to dependent children as an orphan child benefit |
| Loss of employment | Not covered | Not covered | Pays out for 3 months as basic monthly pay |
| Funeral expenses | One-time expenses up to INR 5,000 (for SI up to 50 Lakhs) and INR 10,000 (for SI above 50 Lakhs) | One-time expenses up to INR 5,000 (for SI up to 50 Lakhs) and INR 10,000 (for SI above 50 Lakhs) | One-time expenses up to INR 5,000 (for SI up to 50 Lakhs) and INR 10,000 (for SI above 50 Lakhs) |
Optional Covers
- Burns cover
- Broken bones benefit
- Temporary total disability
- Coma benefit
Exclusions
The policy does not cover:
- Any pre-existing diseases (PEDs) or disability arising from them.
- Suicide or an attempt at suicide.
- Intentional self-injury.
- Breach of law.
- Hazardous activities/life-threatening sports.
- Beautification or plastic surgeries (unless required due to an accident or injury).
- Alcoholism/drug abuse.
- Treatment from excluded providers.
- Treatment or consequences due to alcoholism or drug abuse.
- Dietary supplements.
- Correction of refractive error.
- Birth control, sterility, and infertility treatments.
Waiting Periods
- Accidental injury/death: Day 1
- Critical illnesses: 90 days
- Pre-existing disease: 48 months
Wrapping It Up
An accident can wipe out someone's life savings, and in such cases, owning a health policy like ManipalCigna Lifestyle Protection Accident Care can work wonders. It protects you from life's adversities and provides additional cover to plan your family's future. How? It provides a lump sum payout after your death, funds your children's education, offers funeral expenses, and much more. Also, it pays for the loss of income in case of any disability that incapacitates you from earning a livelihood.
You can contact us at 1800 4200 269 if you have any further queries about this policy.
