Overview

Accidents can be devastating to a person's life and the lives of their loved ones. With time and the help of friends and family, the emotional and psychological consequences of a significant accident can be managed. However, the financial element is the most important. With the high cost of medical care, it's always a good idea to have a back-up plan in place.

Accidents can leave you with permanent or partial disabilities, as well as a lot of medical bills. This is why we present to you, Manipal Cigna Health Insurance's Flexicare Group Insurance Policy - Accident Injury, Modification and Support Items Cover, which provides coverage up to Rs. 4 Lakhs in case of accidental disability or the need for modifications and support items.

Plan Details

Option 1

Sum Insured

Option 2

Sum Insured

Option 3

Sum Insured

PTD

Rs. 2 Lakhs

PTD

Rs. 3 Lakhs

PTD

Rs. 4 Lakhs

PPD

Rs. 2 Lakhs

PTD

Rs. 3 Lakhs

PTD

Rs. 4 Lakhs

Modification Allowance Cover

Rs. 20,000

Modification Allowance Cover

Rs. 20,000

Modification Allowance Cover

Rs. 20,000

Support Items Cover

Rs. 20,000

Support Items Cover

Rs. 20,000

Support Items Cover

Rs. 20,000

Premium including GST (Rs.)

Rs. 114

 

Rs. 154

 

Rs. 194

What's Covered?

  • Benefit for Accidental Permanent Partial Disablement (PPD)

    If the insured person is injured in an accident and experiences PPD (Permanent/partial Disability) during the insurance year, the insured person will be paid a percentage of the amount insured as stated in the policy.

  • Accidental Permanent Total Disablement Benefit (PTD)

    If the insured person is injured in an accident and receives PTD (Permanent Total Disablement Benefit), the percentage of the amount insured stated in the policy will be paid to the insured person.

  • Coverage for Modification Allowance

    If the covered person sustains an injury as a result of an accident that causes PPD/PDD, serious illness, or terminal illness, or necessitates a modification to his or her home or car, he or she may receive up to Rs. 20,000 in compensation for such changes.

  • Coverage for Accidental Support Items

    If the covered individual is injured in an accident and their service items prescribed by a medical provider are specifically impacted, they are liable for benefits up to Rs. 20,000.

What's Not Covered?

  • Accidents resulting from adventure sports are not protected.

  • Any illness that has already been diagnosed.

Please see the policy wordings for a list of exclusions.

How To Apply?

Fill out the online application form and pay the fee using your chosen method of payment to apply for Accident disability, Modification & Support items cover. The following is a step-by-step guide to completing the purchase.

  • Visit Finserv MARKETS

    Visit our website and go to the Pocket Insurance and VAS page

  • Select Product

    Choose Accident disability, Modification & Support items cover from the wide array of products

  • Fill Details

    Fill in your details in the online form

  • Make your payment

    Make an instant payment and get your plan.

Claim Process

In order to apply for a claim, you are encouraged to connect with our team put together to help serve you best. They are available via the following methods.

  • Email - servicesupport@manipalcigna.com

  • Insurer’s Toll-free number provides insured individuals with immediate action - 1800-102-4462.

FAQs

  • ✔️Is purchasing a Accident disability, Modification & Support items Cover appropriate if the policyholder already has life insurance?

    A life insurance policy provides a death benefit and a maturity benefit, depending on the plan's terms. It does not cover treatment for injuries sustained as a result of an accident. Even if life insurance is active, it is important to purchase a personal accident policy.

  • ✔️Are there any add-ons available for this sort of coverage?

    Yes, you will benefit from add-ons on such coverage. You would, however, have to pay an extra premium for the Add-ons.

  • ✔️Should a low-risk individual purchase an Accident disability, Modification & Support items cover?

    Yes, since accidents are totally unpredictable. As a result, regardless of age, gender, occupation, or other factors, everyone should purchase the policy.