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The ManipalCigna Lifestyle Protection Accident Care plan comes in three variants which ascend in coverage options (which you'll read about in the specifications table). Know the variants below:
This page discusses all the highlights of this plan, along with the eligibility criteria, benefits, specifications, and exclusions. Read further to know more about the same.
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? Also, you can renew your ManipalCigna Lifestyle Protection Accident Care policy beyond 70 years of age, given 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 DETAILS |
Manipalcigna Lifestyle Protection Accident Care Plan |
Arogya Sanjeevani Policy |
| Product Type | Accident Health Insurance | Individual and Family Health Insurance |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Not Covered | Not Covered |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
Covered | Covered |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
Not Covered | Not Covered |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
Not Covered | Covered |
| Post-hospitalization (Expenses after discharge from the hospital) |
Not Covered | Covered |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
Not Covered | Covered |
| Hospital_network (Number of Hospital Network in city) |
15000 | 3200 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Not Covered | Not Covered |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
Covered | Not Covered |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Covered | Covered |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Not Covered | Not Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Not Covered | Not Covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Covered | Not Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Covered | Not Covered |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Not Covered | Covered |
| Plan Entry Age | Child: 5 - 25 years, Adult: 18 - 80 years | Entry Age: 18 - 65 Years, Dependent children: 3 months to 25 years |
| Plan Premium Entry Age and S/A | 6492 | 8000 |
| Plan Waiting Period | NA | 30 |
| Plan Coverage | Accidental death cover, permanent total disability, temporary total disability, ambulance expenses, accidental hospitalisation | In-patient hospitalization, AYUSH treatment cover, Cataract treatment, Modern treatment procedures |
| Plan Sample Premium | 6492 | NA |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1, 2, 3 years | 1, 2. 3 years |
| ICU Charges | Covered | Covered |
| Covid-19 Treatment | Covered | Covered |
| Cataract | Not Covered | Covered |
| Automatic Restoration | Not Covered | Not Covered |
| Ayush Treatment | Not Covered | Covered |
| Modern Treatment | Not Covered | Covered |
| E Consultation | Not Covered | Not Covered |
| Air Ambulance | Not Covered | Not Covered |
| Global Coverage | Covered | Not Covered |
| Claim Ratio | 98 | 91.31 |
| Solvency Ratio | 1.76 | -0.67 |
|
National Health Insurance |
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