Frequently Asked Questions

An accident means a sudden, unforeseen and involuntary event caused by external, visible and violent means.

You should buy a personal accident policy because it plugs an important hole in your insurance portfolio. Firstly, it will provide financial support to the policyholder if he is disabled after an accident. Secondly, the magnitude of the mishap doesn't matter; even minor ones like falling off a bicycle and breaking an arm, or fracturing a leg while playing football are covered by the policy.

A comprehensive personal accident insurance allows you and your family to be financially secure, after an unforeseen event.

A standalone personal accident policy covers you and your family for accidental death, permanent disability and loss of income. But many a times you remain unprotected for partial disability, ambulance cover, orphan benefit, funeral expenses cover and many more risks.

ManipalCigna Accident Shield plan comes with all the above benefits along with other benefits like education fund, temporary total disability (for both Earning as well as Non-earning members ), burns benefit, brokenbones and coma cover, EMI protect and Loan Protect under one policy that assures financial support and provides cushion for a better tomorrow in any accidental eventualities.

Base Covers

  • Accidental Death(AD)
  • Permanent Total Disablement(PTD)
  • Permanent Partial Disablement(PPD)
  • Funeral Expenses
  • Repatriation of Mortal Remains

Optional Cover

  • Temporary Total Disablement
  • Burns Benefit
  • Broken Bones Benefit
  • Coma Benefit
  • Child Welfare Benefit
  • Loss of Employment
  • Air Ambulance
  • Accidental Hospitalisation
  • EMI Shield
  • Loan Shield
  • Adventure Sports Cover
  • Medical Repatriation

Classic Plan

  • Accident Death
  • Funeral Expenses
  • Repatriation of Mortal Remains

Plus Plan

  • Accident Death
  • Permanent Total Disablement (PTD)
  • Funeral Expenses
  • Repatriation of Mortal Remains

Pro Plan

  • Accident Death
  • Permanent Total Disablement (PTD)
  • Permanent Partial Disablement (PPD)
  • Funeral Expenses
  • Repatriation of Mortal Remains

Optional Cover

  • Temporary Total Disablement
  • Burns Benefit
  • Broken Bones Benefit (Available only in Pro Plan)
  • Coma Benefit
  • Child Welfare Benefit
  • Loss of Employment
  • Air Ambulance
  • Accidental Hospitalisation
  • EMI Shield
  • Loan Shield
  • Adventure Sports Cover (Available only in Pro Plan)
  • Medical Repatriation

Policy covers permanent total disablement of eyes, hands, feet, loss of hearing and loss of speech due to accident

Policy covers permanent partial disablement of eye, hand, feet, toes, fingers, loss of hearing and loss of speech due to accident.

Funeral expenses will cover a one-time payment of Rs.50000 for sum insured upto 50 lacs and Rs.100000 for sum insured above 50 lacs towards funeral or cremation expenses.

Child Welfare Benefit covers two benefit:

In Education Benefit: 10% of SI, subject to a maximum of Rs 20 Lac. Available for dependent children up to age 25 years, even if not insured in the policy.

Orphan Benefit: (In addition to Education Benefit):

20% of SI, subject a maximum of Rs 40 Lac. Available for dependent children up to age 25 years, even if not insured in the policy.

On suffering from burns due to accident, policy will pay sum insured minimum 10% and maximum upto 100% depending on the degree of burn

This benefit provides a lump sum payment in the event of fracture of bones due to accident.

Policy will provide 25% of the sum insured or 25 Lacs whichever is lower as lump sum in the event of suffering from a Coma due to accident.

ManipalCigna Accident Shield policy covers death occurring due to accidents or accidental injuries only.

ManipalCigna Accident Shield policy is available for 1, 2 and 3 years only.

Portability is not applicable to personal accident policy.

Yes, foreign nationals working in India for 180 days or more with a valid work permit and passport can opt for ManipalCigna Accident Shield policy. He/she has to provide a valid communication address in India.

Policy will be issued subject to underwriting review.

  • The policy can be purchased by a NRI subject to the following criteria being met.
  • The proposer/proposed insured person must have an Indian address for communication.
  • Proposer must be in India at the time of signing the proposal form.
  • Those currently working/settled in India are eligible for cover. For example, NRI/PIO who has returned to India and gainfully employed.
  • Coverage may be extended to people based outside of India, subject to medical tests (wherever applicable) being conducted in India only and proposal form being signed in India by the proposer only.

Accidental death and/or disability due to terrorist attacks will be covered under ManipalCigna Accident Shield policy as per the plan and option selected.

Yes, dependent (non-earning) spouse will be eligible for cover upto 60% of the sum insured

The minimum entry age under this policy is 5 years for children and 18 years for adults. The maximum age at entry is 70 years. The maximum entry for Children age is 25 years.