Accidents might often result in severe injuries. Some may require immediate evacuation to the nearest hospital. For this, you must be transported via ambulances or ambulances so that medical support can be given to you on the way. However, this involves a huge amount of expenses and might leave a dent in your finances.
The Group Insurance Policy - Accident Emergency Evacuation Cover from Manipal Cigna Health helps you reduce the burden of costs piling up in medical emergencies. Under the plan, you have the option to choose between two variants – one with a premium of Rs. 809/year and the other with a premium of Rs. 1,459/year. Let us look through the policy features in detail.
Follow three easy steps to apply for this cover.
You fulfil this parameter to get the benefits of this insurance policy:
You must be at least 18 years old and less than 65 years old as per your last birthday.
Here are the primary benefits you can get by investing in the Accident Emergency Evacuation Cover Plan:
If you suffer from an accident that leads to your unfortunate death, your nominee will receive the sum insured. However, this is provided that your passing away is only due to the injury and happens within 365 days ahead of the accident.
In case you suffer from an accident after which you are medically transferred to a different city due to a lack of local medical facilities, you will receive the amount to cover expenses for emergency evacuation. However, you must be evacuated within India to the closest facility that can provide the required care.
Additionally, you must note the following guidelines:
You will be transported to a hospital that can provide professional medical supervision as needed, along with the proper treatment.
Pre-authorisation is required for emergency medical evacuation. In the event that pre-authorisation is unreasonable, the authorisation must be obtained as soon as possible once you are successfully evacuated.
The evacuation must be justified and shown as a necessity for the prevention of immediate and significant effects of the injury. It is done In situations where adequate treatment is not readily available locally.
In addition to the patient's medical condition, the patient's ability to travel is considered. Along with this, the distance, weather conditions, and airport availability are other relevant factors to consider.
As the patient, you should be accompanied by a qualified healthcare professional while being evacuated. This will deem the situation an emergency.
Depending on the medical needs and the available transportation, medically equipped speciality aircraft, commercial airlines, trains, or ambulances are used for transportation.
Here are the specifications of the Accident Emergency Evacuation Cover Plan that you must know:
Get coverage up to Rs 10,000 for premiums starting at Rs. 809
The Accident Emergency Evacuation Cover Plan is valid for one year.
Listed below are the expenses and causes for which you will not be covered under the Accident Emergency Evacuation Cover Plan:
If you have any pre-existing diseases at the time of buying the policy, you will not be covered for the expenses made for their treatment.
You will not get coverage for treatment or evacuation on account of accidents except in adventure sports.
You can reach out to the team to register your claim in any of the given ways under this Accident Emergency Evacuation Cover Plan:
You can call on the toll-free number, 1800-102-4462, to claim the expenses you have incurred on fitness sessions, doctor consultations, health problems, and more.
You can send an email firstname.lastname@example.org mentioning your policy number and other relevant details.
You can always write to us at email@example.com and get all your queries regarding the Accident Emergency Evacuation Cover Plan resolved with ease.
Pre-existing diseases are not covered by this plan and therefore cannot be used when applying for a claim.
The time frame this policy is valid for is a single year.
The Accident Emergency Evacuation Cover plan covers accidental death and accidental emergency evacuation via ambulances or air ambulances/helicopters.