Standard Personal Accident Policy to safeguard your unexpected expenses arising from death or serious injury caused by an accident, while securing your finances

Sum Insured: Up To ₹1 Crore**

Standard Personal Accident Policy to safeguard your unexpected expenses arising from death or serious injury caused by an accident, while securing your finances

Best suited for

Individual

Family

Multi Individual

Key Benefits

Accidental Death Cover

Option to choose coverage for Hospitalisation expenses due to accident

Financial protection for dependent child

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UIN: MCIPAIP21622V012021
Launch Date: 01-04-2021

Saral Suraksha Bima, ManipalCigna

A plan that safeguards you and your family financially and offers sense of security against unexpected expenses arising from death or serious injury caused by an accident.

Sum Insured

2.5Lacs- 1Cr

Sum Insured

Sum Insured

10 Lacs

2.5 Lac

1 Crore**

PREMIUM PER ANNUM

625* 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, Non Smoking.

**In order to avail any other sum insured or for understanding of Terms and Conditions/Benefits, kindly get in touch with the customer service/sales representative at the ManipalCigna branch office.

Proposal may be subject to underwriting review.

Accidental Death:
Provides 100% of Sum Insured in case of Accidental Death and Permanent Total Disablement.

Permanent Total Disablement:
Provides 100% of Sum Insured in case of Permanent Total Disablement.

Permanent Partial Disablement:
Permanent Partial Disablement in case of accident covered as a percentage of chosen Sum Insured.

Cumulative Bonus:
Cumulative Bonus of 5% for each claim-free policy year, provided the policy is renewed without a break, subject to a maximum of 50% of the sum insured. If a claim is made in any particular year, the cumulative bonus accrued will be reduced at the same rate at which it has accrued.

What’s covered

  • Accidental Death
  • Permanent Partial Disablement
  • Permanent Total Disablement
  • Cumulative Bonus

What’s not covered

  • Any claim for death or disablement arising due to War and war like occurrence, civil war, hostilities etc
  • Any claim for death, disablement from intentional self-injury, intoxicating liquor or drugs, etc
  • Any claim for death, disablement due to participation as a professional in hazardous or adventure sports
  • Any claim resulting or arising from or any consequential loss or Ionizing radiation or contamination by radioactivity
  • Any loss arising out of the willful participation in an illegal act or any violation or attempted violation of the law
  • Expenses related to any admission primarily for diagnostics and evaluation purpose



    Above List is only indicative and not exhaustive. For complete details on Eligibility, Coverages, Benefits, Terms, Conditions and Exclusions please refer to Policy Wordings and Prospectus.
Temporary Total Disablement

Temporary Total Disablement in case of accident covered as a percentage of chosen Sum Insured

Hospitalisation Expenses due to Accident

Covers hospitalisation expenses due to accident without any capping on room / category

Education Grant

One time Education Grant as a percentage of sum insured paid to the dependent children on claim due to death or permanent total disablement of the Insured Person.

Min Entry Age

Children - 3 months, Adult - 18 years

Cover Type

Individual and Family cover

Max Entry Age

Children - 25 years, Adult - 70 years

Policy Period

1

Relationships covered

Self, Spouse, Dependent Children, Parents, Parents-in-laws

Premium Payment Mode

Yearly, Half Yearly, Quarterly, and Monthly

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.