A plan that assures financial support and provides a safety cushion for a better tomorrow by providing complete protection, on and off the job, including death, disablement, repatriation of mortal remains and funeral expenses.
Sum Insured: Up to ₹25 Crore
A plan that assures financial support and provides a safety cushion for a better tomorrow by providing complete protection, on and off the job, including death, disablement, repatriation of mortal remains and funeral expenses.
Best suited for
Individual
Family
Key Benefits
Launch Date: 05-09-2023
Accidental Death Insurance- Various Plans
ManipalCigna ManipalCigna Accident Shield has been designed keeping your needs in mind.
Sum insured (SI)
5Lacs - ₹ 25Cr
Base premium
908*/annum
Sum insured (SI)
5Lacs - ₹ 25Cr
Base premium
1,056*/annum
Sum insured (SI)
5Lacs - ₹ 25Cr
Base premium
1,469*/annum
Classic Plan
A plan that assures financial support and provides a safety cushion for a better tomorrow by providing complete protection, on and off the job, including death, repatriation of mortal remains and funeral expenses.
Global cover
from day 1
Sum Insured
5Lacs - 25 Cr
Sum Insured
25 Lacs
PREMIUM PER ANNUM
908* inclusive of taxes
*The Premium value is indicative for the below mentioned profile Gender – Male, Age – 30, No. of adults - 1, Earning member, Tenure- 1 year, Premium payment mode- Single, Non Smoking
Proposal may be subject to underwriting review
Accidental Death (AD): 100% of SI in case of Accidental Death
200% of SI (If death occurs due to an Accident while travelling as a fare paying passenger on a common carrier)
Funeral Expenses: ₹50,000 for Sum Insured up to ₹50 Lacs ₹1,00,000 for Sum Insured above ₹50 Lacs
Repatriation of Mortal Remains: Up to 2% of SI, subject to a maximum of ₹5 Lacs Payable on Reimbursement basis
Optional covers of Temporary Total Disablement, Burns Benefit, Coma Benefit, Child Welfare Benefit, Loss of Employment, Air Ambulance, Accidental Hospitalisation, EMI Shield, Loan Shield, Medical Repatriation to supplement coverage under each plan
What’s covered
- Accidental Death
- Repatriation of Mortal Remains
- Funeral Expenses
What’s not covered
- Any pre-existing condition or disability arising out of pre-existing diseases
- Ailments arising out of alcohol and drug abuse
- Persons engaged in hazardous activity unless specifically covered
- Congenital Anomalies, inherited disorders
- Death or disability arising from or caused by ionizing radiation or contamination by radioactivity or unclear fuel
- Any physical, medical condition or treatment or service that is specifically excluded
Above List is only indicative and not exhaustive. For complete details on Eligibility, Coverages, Benefits, Terms, Condition and Exclusions please refer Policy Wordings and Prospectus
Temporary Total Disablement
In case of TTD, For earning member - 2% of SI or ₹1,00,000 per week or Insured Persons base weekly income at the time of claim, whichever is lower (for a maximum of 100 weeks) For Non-earning member (Can be opted only if the earning member is part of the TTD cover) - 1% of SI or ₹50,000 per week or 50% of the weekly compensation payable for the earning member (at the time of claim) covered in the same Policy, whichever is lower (for a maximum of 100 weeks)
Burns Benefit
Injury due to accidents leading to Burns is payable as a % of SI
Coma Benefit
For the Insured who is in the comatose stage due to Accident for at least 96 hours, we will pay 25% of SI, subject to a maximum of ₹25 Lacs.
Child Welfare Benefit
In case of AD of the Insured parent, Education Benefit: 10% of the SI, subject to a maximum of ₹20 Lacs. Irrespective of number of dependent children.
Loss of Employment
In case of PTD, PPD, we will make one-time payment of SI chosen under this cover or 3 months salary whichever is lower.
Air Ambulance
- In case of an Accident, for transporting to the hospital, up to ₹10 Lacs is Payable on Reimbursement basis
Accidental Hospitalisation
- If an Insured Person suffers an Injury solely and directly due to an Accident that occurs during the Policy Period and such injury solely and directly results in requirement of Hospitalization, then we will make payment for following SI options(Rs) - 5 Lacs, 10 Lacs, 15 Lacs, 20 Lacs, 25 Lacs, 50 Lacs
EMI Shield
In case of AD, PTD & PPD, we will pay lowest of sum total of 3 EMI’s due or the Sum Insured chosen under this benefit
Loan Shield
In case of AD or PTD, we will pay lowest of outstanding loan amount or the Sum Insured chosen under this benefit
Medical Repatriation
- In case of Accident that results in requirement of medical repatriation, we will pay up to 25% of SI, subject to a maximum of ₹25 Lacs.
For complete details on Eligibility, Coverages, Benefits, Terms, Conditions and Exclusions please refer Policy Wordings and Prospectus.
Min Entry Age
Children - 5 years, Adult - 18 years
Cover Type
Individual and family Floater
Max Entry Age
Children - 25 years, Adult - 70 years
Policy Period
1, 2 and 3 years
(Long Term discount of 7.5% is applicable on premium for selecting a policy term of 2 years and 10% for selecting a policy term of 3 years)
Relationships covered
Self/ Spouse/ Dependent Children/ Dependent Parents/ Dependent Parent-in-laws
Premium Payment Mode
Monthly/Quarterly/Half-yearly/Single
Plus Plan
A plan that assures financial support and provides a safety cushion for a better tomorrow by providing complete protection, on and off the job, including death, disablement, repatriation of mortal remains and funeral expenses.
Global cover
from day 1
Sum Insured
5Lacs - 25 Cr
Sum Insured
25 Lacs
PREMIUM PER ANNUM
1,056* inclusive of taxes
*The Premium value is indicative for the below mentioned profile Gender – Male, No. of Individual - 1, Age- 5 Years to 70 years , Tenure- 1 year, Premium payment mode- Single, Non Smoking
Proposal may be subject to underwriting review
Accidental Death (AD): 100% of SI in case of Accidental Death
200% of SI (If death occurs due to an Accident while travelling as a fare paying passenger on a common carrier)
Permanent Total Disablement (PTD): 100% of SI in case of PTD
200% of SI (If PTD occurs due to an Accident while travelling as a fare paying passenger on a common carrier)
Funeral Expenses: ₹50,000 for Sum Insured up to ₹50 Lacs ₹1,00,000 for Sum Insured above ₹50 Lacs
Repatriation of Mortal Remains: Up to 2% of SI, subject to a maximum of ₹5 Lacs Payable on Reimbursement basis
Optional covers of Temporary Total Disablement, Burns Benefit, Coma Benefit, Child Welfare Benefit, Loss of Employment, Air Ambulance, Accidental Hospitalisation, EMI Shield, Loan Shield, Medical Repatriation to supplement coverage under each plan
What’s covered
- Accidental Death
- Permanent Total Disablement
- Funeral Expenses
- Repatriation of Mortal Remains
What’s not covered
- Any pre-existing condition or disability arising out of pre-existing diseases
- Ailments arising out of alcohol and drug abuse
- Persons engaged in hazardous activity unless specifically covered
- Congenital Anomalies, inherited disorders
- Death or disability arising from or caused by ionizing radiation or contamination by radioactivity or unclear fuel
- Any physical, medical condition or treatment or service that is specifically excluded
Above List is only indicative and not exhaustive. For complete details on Eligibility, Coverages, Benefits, Terms, Condition and Exclusions please refer Policy Wordings and Prospectus
Temporary Total Disablement
In case of TTD, For earning member - 2% of SI or ₹1,00,000 per week or Insured Persons base weekly income at the time of claim, whichever is lower (for a maximum of 100 weeks) For Non-earning member (Can be opted only if the earning member is part of the TTD cover) - 1% of SI or ₹50,000 per week or 50% of the weekly compensation payable for the earning member (at the time of claim) covered in the same Policy, whichever is lower (for a maximum of 100 weeks)
Burns Benefit
Injury due to accidents leading to Burns is payable as a % of SI
Coma Benefit
For the Insured who is in the comatose stage due to Accident for at least 96 hours, we will pay 25% of SI, subject to a maximum of ₹25 Lacs.
Child Welfare Benefit
In case of AD of the Insured parent, Education Benefit: 10% of the SI, subject to a maximum of ₹20 Lacs. Irrespective of number of dependent children. Orphan Benefit: 20% of the SI, subject a maximum of ₹40 Lacs. Irrespective of number of dependent children
Broken bone benefit
Injury due to accidents leading to Broken Bones is payable as a % of SI
Loss of Employment
In case of PTD, PPD, we will make one-time payment of SI chosen under this cover or 3 months salary whichever is lower.
Air Ambulance
- In case of an Accident, for transporting to the hospital, up to ₹10 Lacs is Payable on Reimbursement basis
Accidental Hospitalisation
- If an Insured Person suffers an Injury solely and directly due to an Accident that occurs during the Policy Period and such injury solely and directly results in requirement of Hospitalization, then we will make payment for following SI options(Rs) - 5 Lacs, 10 Lacs, 15 Lacs, 20 Lacs, 25 Lacs, 50 Lacs
EMI Shield
In case of AD, PTD & PPD, we will pay lowest of sum total of 3 EMI’s due or the Sum Insured chosen under this benefit
Loan Shield
In case of AD or PTD, we will pay lowest of outstanding loan amount or the Sum Insured chosen under this benefit
Medical Repatriation
- In case of Accident that results in requirement of medical repatriation, we will pay up to 25% of SI, subject to a maximum of ₹25 Lacs.
For complete details on Eligibility, Coverages, Benefits, Terms, Conditions and Exclusions please refer Policy Wordings and Prospectus.
Min Entry Age
Children - 5 years, Adult - 18 years
Cover Type
Individual and family Floater
Max Entry Age
Children - 25 years, Adult - 70 years
Policy Period
1, 2 and 3 years
(Long Term discount of 7.5% is applicable on premium for selecting a policy term of 2 years and 10% for selecting a policy term of 3 years)
Relationships covered
Self/ Spouse/ Dependent Children/ Dependent Parents/ Dependent Parent-in-laws
Premium Payment Mode
Monthly/Quarterly/Half-yearly/Single
Pro Plan
A plan that assures financial support and provides a safety cushion for a better tomorrow by providing complete protection, on and off the job, including death, disablement, repatriation of mortal remains and funeral expenses.
Global cover
from day 1
Sum Insured
5Lacs - 25 Cr
Sum Insured
25 Lacs
PREMIUM PER ANNUM
1,469* inclusive of taxes
*The Premium value is indicative for the below mentioned profile Gender – Male, No. of Individual - 1, Age- 5 Years to 70 years , Tenure- 1 year, Premium payment mode- Single, Non Smoking
Proposal may be subject to underwriting review
Accidental Death (AD): 100% of SI in case of Accidental Death
200% of SI (If death occurs due to an Accident while travelling as a fare paying passenger on a common carrier)
Permanent Total Disablement (PTD): 100% of SI in case of PTD
200% of SI (If PTD occurs due to an Accident while travelling as a fare paying passenger on a common carrier)
Permanent Partial Disablement (PPD): In case of PPD, up to a percentage of SI is payable
Funeral Expenses: ₹50,000 for Sum Insured up to ₹50 Lacs ₹1,00,000 for Sum Insured above ₹50 Lacs
Repatriation of Mortal Remains: Up to 2% of SI, subject to a maximum of ₹5 Lacs Payable on Reimbursement basis
Optional covers of 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 to supplement coverage under each plan
What’s covered
- Accidental Death
- Permanent Total Disablement
- Permanent Partial Disablement
- Funeral Expenses
- Repatriation of Mortal Remains
What’s not covered
- Any pre-existing condition or disability arising out of pre-existing diseases
- Ailments arising out of alcohol and drug abuse
- Persons engaged in hazardous activity unless specifically covered
- Congenital Anomalies, inherited disorders
- Death or disability arising from or caused by ionizing radiation or contamination by radioactivity or unclear fuel
- Any physical, medical condition or treatment or service that is specifically excluded
Above List is only indicative and not exhaustive. For complete details on Eligibility, Coverages, Benefits, Terms, Condition and Exclusions please refer Policy Wordings and Prospectus
Temporary Total Disablement
In case of TTD, For earning member - 2% of SI or ₹1,00,000 per week or Insured Persons base weekly income at the time of claim, whichever is lower (for a maximum of 100 weeks) For Non-earning member (Can be opted only if the earning member is part of the TTD cover) - 1% of SI or ₹50,000 per week or 50% of the weekly compensation payable for the earning member (at the time of claim) covered in the same Policy, whichever is lower (for a maximum of 100 weeks)
Burns Benefit
Injury due to accidents leading to Burns is payable as a % of SI
Coma Benefit
For the Insured who is in the comatose stage due to Accident for at least 96 hours, we will pay 25% of SI, subject to a maximum of ₹25 Lacs.
Child Welfare Benefit
In case of AD of the Insured parent, Education Benefit: 10% of the SI, subject to a maximum of ₹20 Lacs. Irrespective of number of dependent children.
Broken bone benefit
Injury due to accidents leading to Broken Bones is payable as a % of SI
Loss of Employment
In case of PTD, PPD, we will make one-time payment of SI chosen under this cover or 3 months salary whichever is lower.
Air Ambulance
- In case of an Accident, for transporting to the hospital, up to ₹10 Lacs is Payable on Reimbursement basis
Accidental Hospitalisation
- If an Insured Person suffers an Injury solely and directly due to an Accident that occurs during the Policy Period and such injury solely and directly results in requirement of Hospitalization, then we will make payment for following SI options(Rs) - 5 Lacs, 10 Lacs, 15 Lacs, 20 Lacs, 25 Lacs, 50 Lacs
EMI Shield
In case of AD, PTD & PPD, we will pay lowest of sum total of 3 EMI’s due or the Sum Insured chosen under this benefit
Loan Shield
In case of AD or PTD, we will pay lowest of outstanding loan amount or the Sum Insured chosen under this benefit
Adventure Sports Cover
In case of AD, PTD while engaging in any listed Adventure Sports, we will pay 50% of SI, subject to a maximum of ₹50 Lacs.
Medical Repatriation
- In case of Accident that results in requirement of medical repatriation, we will pay up to 25% of SI, subject to a maximum of ₹25 Lacs.
For complete details on Eligibility, Coverages, Benefits, Terms, Conditions and Exclusions please refer Policy Wordings and Prospectus.
Min Entry Age
Children - 5 years, Adult - 18 years
Cover Type
Individual and family Floater
Max Entry Age
Children - 25 years, Adult - 70 years
Policy Period
1, 2 and 3 years
(Long Term discount of 7.5% is applicable on premium for selecting a policy term of 2 years and 10% for selecting a policy term of 3 years)
Relationships covered
Self/ Spouse/ Dependent Children/ Dependent Parents/ Dependent Parent-in-laws
Premium Payment Mode
Monthly/Quarterly/Half-yearly/Single
Plan Comparison
| PLAN NAME | Classic | Plus | Pro |
|---|---|---|---|
| Accidental Death (AD) | Yes | Yes | Yes |
| Permanent Total Disablement (PTD) | No | Yes | Yes |
| Permanent Partial Disablement (PPD) | No | No | Yes |
| Funeral expenses | Yes | Yes | Yes |
| Repatriation of Mortal Remains | Yes | Yes | Yes |
| Optional Covers | |||
| Temporary Total Disablement (TTD) | Yes | Yes | Yes |
| Burns benefit | Yes | Yes | Yes |
| Broken bones benefit | No | No | Yes |
| Coma Benefit | Yes | Yes | Yes |
| Child Welfare Benefit | Yes | Yes | Yes |
| Loss of employment | Yes | Yes | Yes |
| Air Ambulance | Yes | Yes | Yes |
| Accidental Hospitalisation | Yes | Yes | Yes |
| EMI Shield | Yes | Yes | Yes |
| Loan Shield | Yes | Yes | Yes |
| Adventure Sports Cover | No | No | Yes |
| Medical Repatriation | Yes | Yes | Yes |
Got Questions?
What are the details to be provided at the time of intimation of claim?
The following details are to be provided to the company’s at the tine of intimation of Claim: Policy number, Name of policy, Name of the insured person in whose relation the Claim is being lodged. Nature of illness / injury. Name and address of the attending Medical Practitioner and hospital. Date of Admission and any other information as requested by Us.
ManipalCigna Accident Shield
FAQs about ManipalCigna Accident Shield
Q.1) What is an accident?
An accident means a sudden, unforeseen and involuntary event caused by external, visible and violent means.
Q.2) Why I should have a personal accident cover?
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.
Q.3) How is ManipalCigna Accident Shield policy different from other Personal Accident policies?
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 most important financial risk.
ManipalCigna Accident Shield plan comes with all the above benefits along with other benefits like child welfare cover, temporary total disability, burns benefit, broken bones benefit and coma benefit loss of employment, air ambulance, accidental hospitalisation, EMI shield and loan shield, adventure sports cover, medical repatriation under one policy that assures financial support and provides cushion for a better tomorrow in any accidental eventualities.
Q.4) What is Funeral Expenses cover?
Funeral expenses will cover a one-time payment of Rs.50000 for sum insured up to 50 lacs and Rs.100000 for sum insured above 50 lacs towards funeral or cremation expenses.
Q.5) What is burns benefit?
On suffering from burns due to accident, policy will pay sum insured minimum 10% and maximum upto 100% depending on the degree of burn