ManipalCigna Plans

ManipalCigna Accident Care Insurance

ManipalCigna Health insurance Company Limited (formerly known as Cigna TTK Health Insurance Company Limited) is a joint venture between the Manipal Group, a leader in the field of healthcare delivery and higher education in India and Cigna Corporation, a global health services company with presence in 30+ countries and serving 160 million+ customers around the world. Under the new structure, Cigna Corporation will continue to hold its 49 percent stake in the Indian health insurance venture, while Manipal Group increased its stake to 51 percent after receiving all necessary regulatory approvals from the Insurance Regulatory and Development Authority of India (“IRDAI”). They believe the combination of Manipal Group’s integrated healthcare expertise with multi-specialty hospital networks and Cigna‘s global expertise in health and wellness, positions ManipalCigna Health Insurance Company as a truly differentiated healthcare provider for people across India. With a deep focus on health and wellness, at ManipalCigna Health Insurance we offer a full suite of insurance solutions ranging from health, personal accident, major illness, travel and global care to individual customers, employer-employee, and non-employer-employee groups to meet their diverse health needs. We understand our customers’ needs and provide a variety of wellness programs to guide them along the road to physical, emotional and financial well-being.
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ManipalCigna Health Insurance Review

ManipalCigna Health Insurance
ManipalCigna Health Insurance sum insured
2.5 lacs − 100 lacs options available
Incurred Claims Ratio *
ManipalCigna Health Insurance tenure options
1 or 2 years options available
Claims Settlement Ratio **
List of network hospitals
6,500+ hospitals
Number of policies issued *
Maximum family floater coverage
Self, Spouse + 3 dependent children
Number of lives covered *
* As per IRDAI report for 2018-19   |   ** As per NL25 data published on the Insurance Company website

ManipalCigna Personal Accident Care Insurance Benefits

  • Eligibility Criteria
  • Plan Options
  • Coverage Descriptions & Terms
  • Exclusion

Eligibility Criteria & Policy Terms of ManipalCigna Personal Accident Insurance

Sum Insured Options There is a flexibility to choose an amount ranging anywhere from ₹50,000 to ₹10 Crores. Eligibility depends on one’s income, with the maximum being 10 times of annual income. For non-earning family members, the sum insured for spouse is limited to a maximum of 60% of the earning member and for a dependent child, parents, in-laws and siblings, it’s 30% of earning member’s sum insured.
Policy Period 1, 2 or 3 years policy period.
Entry Age & Renewal
  • For Children, the minimum age to get enrolled is 5 and maximum is 25.
  • For Adults, the minimum age (in years) is 18 and maximum, 80.
This plan can be renewed for lifetime, which ensures that one continues to be insured even at higher ages.
Coverage for policies issued to persons above 70 years will be limited to Accidental Death & Permanent Total Disability only.
Pre Policy Medical Test
  • No Medical Underwriting will be required up to 70 years of age.
  • Medical examination may be required on a case to case basis for persons above 70 years or persons with positive medical declaration at ages below 70. Applicable Medical Set/Test will be determined based on assessment of individual case.
Coverage Type Individual and Family Options available.
Relationships Covered This policy will cover self, spouse, dependent parents and dependent parents in-laws in addition to dependent children and dependent siblings up to the age of 25 years.
Revival Period 15 days from the date of expiry of the Grace Period in case of annual, premium payment options for 2 & 3 year policies.
Grace Period 30 days from expiry date.
Free Look Period 15 days from the date of receipt of policy kit insured can place a request for cancellation stating the reason. Full refund if no claims reported.
Family Discount There will be a 10% discount on the premium amount for enrolling more than 2 family members under a single policy.
Long Term Discount There will be a 7.5% discount on selecting 2 years and 10% discount on selecting 3 years single premium policy.
Portability Allowed as per IRDAI guidelines.

Plan Options for ManipalCigna Personal Accident Insurance

Plan A – Basic Cover
  • Accidental Death
  • Emergency Ambulance Cover
  • Funeral Expenses
Plan B – Enhanced Cover
  • Accidental Death
  • Permanent Total Disablement
  • Education Fund
  • Emergency Ambulance Cover
  • Funeral Expenses
Plan C – Comprehensive Cover
  • Accidental Death Benefit
  • Permanent Total Disablement
  • Permanent Partial Disablement
  • Education Fund
  • Emergency Ambulance Cover
  • Orphan Benefit
  • Loss of Employment
  • Funeral Expenses
Optional Covers
  • Temporary Total Disablement
  • Burns Benefit
  • Broken Bones Benefit
  • Coma Benefit

Coverage Descriptions & Terms of ManipalCigna Personal Accident Insurance

Basic Cover Benefits
Accidental Death The insured will receive 100% of sum insured in case of an accidental death and 200% of sum insured if death occurs while traveling as a fare paying passenger on a common carrier.
Permanent Total Disablement (PTD) The insured will receive 100% of sum insured in case of permanent total disability due to accident. In the occurrence of permanent disability while traveling as a fare paying passenger on a common carrier, 200% of sum insured will be paid.
Permanent Partial Disablement The insured will receive up to 100% of coverage amount, depending on the nature of accidental disability as certified by the medical practitioner.
Emergency Ambulance Cover The insured will receive a lump sum amount (maximum up to Rs. 10,000 based on sum insured selected by you) for transportation expenses on emergency ambulance services.
Orphan Benefit We understand the financial turmoil any familymay encounter in case of accidental death of parents, so the insured’s nominee will receive an amount equal to the sum insured towards dependent child as ‘orphan benefit’.
Loss of Employment When a claim is accepted under PTD or PPD that results in the insured person being totally disabled from engaging in any gainful employment & losses his/her source of income, then a monthly payout shall be paid as below:
  • Salaried Person: A monthly income for 3 months based on last 3 months salary slip. The payout excludes overtime, bonus, tips, commission & special compensation.
  • Self Employed: A monthly income for 3 months, based on last income tax returns. The payout will not include income from other sources.
Funeral Expenses If a claim is accepted for Accidental Death, then an additional one time payment as per the below limit towards funeral / cremation expenses is paid:
  • Sum Insured upto₹50 Lacs: Funeral Benefit ₹5000/-
  • Sum Insured above ₹50 Lacs: Funeral Benefit ₹10,000/-
Education Fund If a claim is accepted for Accidental Death or PTD, then an additional one time payment equal to 10% of the Sum Insured per surviving dependent child for a max. of 2 children, subject to a max. of ₹10,00,000 per policy will be made.
The benefit will be payable subject to the child being less than 25 years & pursuing an educational course as a full time student.
Optional Benefits
Coma Benefit If an Insured Person suffers from a Coma due to an Injury due to an Accident that occurs during the Policy Period, then 25% of Sum Insured is paid in respect of that Insured Person.
Broken Bones If an Insured person suffers from Broken Bones due to an Injury due to an Accident that occurs during the Policy Period, then a % of Sum Insured is paid to the Insured person.
Burns Benefit If an Insured suffers burns due to an Injury due to an Accident that occurs during the policy period then a certain % of the Sum Insured is paid, subject to:
  • The Burns are not self-inflicted by the Insured Person in any way; and
  • A Medical Practitioner has confirmed the diagnosis of the burn and the percentage of surface area in writing
Temporary Total Disablement (TTD) The insured will receive a weekly benefit of 1 % of Sum Insured (following an accident resulting in temporary total disability), subject to a maximum of Rs.25,000 per week up to 100 weeks, with respect to any one injury.

Exclusions Under ManipalCigna Personal Accident Care

  • Any pre-existing condition or disability arising out of pre-existing diseases
  • Suicide, intentional self-injury, acts of self-destruction
  • AIDS and all diseases/illnesses caused by or related to HIV
  • All sexually transmitted diseases
  • Aliments arising out of alcohol and drug abuse
  • Persons engaged in hazardous activity unless specifically covered
  • Congenital Anomalies, inherited disorders
  • Mental Illnesses
  • Death or disability arising from or caused by ionizing radiation or contamination by radioactivity or nuclear fuel
  • Any physical, medical or mental condition or treatment or service that is specifically excluded


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Policy wordings

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