Frequently Asked Questions

Request for cancellation shall be notified to Us by giving 15 days' written notice in which case We shall refund the premium for the unexpired term as per the short period scale

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.

All claims for Lifestyle Protection-Accident Care to be informed within 10 days of occurrence of the event at a ManipalCigna branch call center or head office.
Submit the dully filled and signed claim form along with the documents mentioned in the claim form within 30 days of occurrence of the event at any of our branches or head office.
For any claims related query, information or assistance you can contact our Health line 1800-102-4462 or visit our website https://www.manipalcigna.com/ or email us at customercare@manipalcigna.com .

All Payments under the Policy will be made in Indian rupees on benefit basis only.

Few key exclusions under this policy are:

• Any pre-existing condition or disability arising out of pre-existing diseases

• Suicide, intentional self-injury, acts of self-destruction

• Breach of law

• Hazardous Activities

Above list is only indicative and not exhaustive. Please refer policy terms and conditions for complete details.

Premium modes available in the policy are Single, Yearly, Half Yearly, Quarterly, Monthly.

Premium payment mode can only be selected at the inception of the Policy or at the renewal of the Policy. In case of premium payment modes other than Single or Yearly, a loading will be applied on the premium. Loading grid applicable for Half-yearly, Quarterly and Monthly payment mode.

The Premium for the policy depends on the Plan, Optional Covers, Sum Insured, Premium payment mode and Policy Period.

Portability is not applicable to personal accident policy.

No, hospital daily cash benefit is not available in Accident Care policy.

The policy provides coverage's towards contingencies under:

Standard Covers

• Accidental Death
• Permanent Total Disablement
• Permanent Partial Disablement
• Emergency Ambulance Cover
• Orphan Benefit
• Loss of Employment 
• Funeral Expenses
• Education Fund

Optional Covers

• Temporary Total Disablement
• Burns Benefit
• Broken Bones Benefit
• Coma Benefit

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

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.

Alteration in sum insured, change in plan and addition/deletion of insured person are allowed at the time of renewal subject to underwriting.

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

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

The below documents are required for all Claims. Documents specific to each benefits are mentioned in 
the prospectus available on our website.
•    Photo Identity Proof - Voter ID, Passport, PAN Card, Driving License, Ration Card, Aadhar,
    or any other proof accepted by the KYC norms as approved by the Company and which is admissible in court of law
•    Duly completed and signed claim form in original as prescribed by Us.
•    Copy of FIR/ Panchnama /Police Inquest Report (if conducted) duly attested by the concerned Police Station;
•    Copy of Medico Legal Certificate(if conducted) duly attested by the concerned Hospital,
•    Income Proof 
    -Last 3 months Salary Slip/Form 16 for salaried persons 
    -Last financial years ITR for self-employed persons 

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

Policy will be issued subject to underwriting review.

All the covers under the Accident Care policy is available on benefit basis. Cashless facility is not available in this policy.

There is no tax benefit for the premium paid towards Accident Care policy.

Medical underwriting may be required for persons above 70 years and upto 80 years.

Yes, policy covers death or disability due to accident anywhere in the world.