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Last updated on: August 7, 2025
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Read BioAccidents are unpredictable and they can be costly in terms of money and health. Most Indian families are hit by unexpected costs when a loved one gets into an accident. Manipalcigna Protection Accident Care Insurance Plan is created to provide a strong coverage and instant help in such situations. As a salaried employee, a business owner, or a homemaker, learning about this policy can save the finances of your family in case of unforeseen events.
This guide describes the Manipalcigna Protection Accident Care Insurance Plan and answers the most frequently asked questions, providing a clear picture of the plan features, benefits, premium choices, eligibility, and how to determine whether it is right to meet your unique needs in 2025.
Manipalcigna Protection Accident Care Insurance Plan is an individual accident insurance cover that offers financial security against accidental death, permanent total or partial disability and other related costs due to accidents. The strategy is meant to make sure that policyholders and their families are not subjected to financial difficulties in the event of unforeseen events.
In case you are involved in an accident that results in disability or death, this insurance will pay you or the nominee a pre-determined amount of sum assured depending on the cover you choose. It also includes accident medical expenses, transportation of mortal remains, child education benefits and others.
This plan is appropriate to:
Another question that people pose is: Is Manipalcigna Protection Accident Care Insurance Plan appropriate to the senior citizens?
It is primarily meant to cover those between the ages of 18 and 65. Certain products can cover up to 70 years. The age eligibility is always subject to change with the insurer.
The main highlights and peculiarities you should be aware of:
Did you know?
In India, a large number of accidental injuries occur on the road. Manipalcigna plan covers accidents that occur in the home, on the road or even at the workplace anywhere in the world.
Accident Financial Security
The plan provides benefits that can be used to cover costs like hospital bills, EMIs, children education fees, and daily household needs in case a bread-winner is unable to work due to an accident or dies.
Claim Process without Stress
Claims are settled quickly with simplified documentation and assistance of Manipalcigna to ensure that your family does not face shortage of funds in case of emergency.
Additional Benefits
Example:
Mr. Rajesh is a 38-year old employee working in a construction company who purchased this plan with a sum insured amount of 50 lakh. He made a partial disability claim after sustaining an injury in one of his legs during duty. His medical expenses and loss of income during the months he was not working were included in the plan.
People also wonder: Is it possible to claim injuries when playing professional sports?
Professional sports injuries may not be covered. Make sure to look at policy wording to see what is specifically included.
The insurer provides various options based on customer requirement and risk profile.
| Variant Name | Coverage Type | Maximum Sum Insured (INR) | Extra Benefits |
|---|---|---|---|
| Basic | Death & disability | 1 crore | None |
| Improved | Broader accidental cover | Up to 10 crore | Covers hospitalisation |
| Family Plan | Self, spouse & children | 5 crore (per member) | Child education benefit |
| Group Policy | 10+ members | Personalised | Employer group benefits |
Premiums depend on sum assured, age, occupation and variant of the plan.
Did you know?
Indian online market places enable you to compare Manipalcigna Protection Accident Care with other accident insurance offered by various companies so that you can get the best coverage at the best price.
Premiums can range from ₹280 for basic policies (lower sum assured) to around ₹8,000 or more for comprehensive plans with higher coverage in 2025.
Premiums factors:
| Age Group | Sum Assured | Annual Premium (Approx) |
|---|---|---|
| 18-30 | 10 lakh | 350 |
| 31-45 | 25 lakh | 1200 |
| 46-60 | 50 lakh | 3500 |
| Family (4) | 25 lakh (each) | ₹6,250 |
Quotes are subject to change depending on specific plan and discounts. Look at real online comparison sites to find current premium rates prior to making final purchase.
Another question people ask is: Are there tax benefits?
Yes. According to the Income Tax Act Section 80D, the premiums paid on accident insurance can be deducted to the limit. The information is subject to change; always consult a tax advisor regarding details applicable to 2025.
Instead, you can compare products of several leading insurance companies on trusted online insurance marketplaces. This assists you in getting a clear picture of premiums, features, and fast online buying.
Expert Insight:
The selection of the appropriate accident cover is based on lifestyle and work environment. Regular travelers should buy more sum insured and international cover.
The average claim settlement time is between 7 and 21 days depending on the nature of the claim and documentation.
Real Life Example
Case Study:
Ankur Kumar, 29, software engineer, purchased Manipalcigna Protection Accident Care on himself and wife. Ankur fell off his bike, broke his leg, and was out of work two months later, six months after the accident. Other than reimbursement of hospital bills and ambulance bills, he was paid weekly benefit due to loss of income and a lump sum to help him recover. This practical situation demonstrated the usefulness of the plan to young working professionals.
Another question people would like to know is: What documents required to claim?
Typically, claim form, doctors certificate, discharge summary, hospital bills, identity proof and other relevant evidence of the accident like FIR.
You can tailor your policy to choose suitable add-ons to increase coverage.
| Benefit | Manipalcigna Protection Accident Care | Other Insurers |
|---|---|---|
| Max Sum Insured | Up to 25 crore | Typically 5-10 crore |
| Family Floater | Yes | Not very common |
| Global Presence | Yes | Not necessarily |
| Child Education Benefit | Yes | Not always there |
| Instant Online Purchase | Yes | Yes (selected) |
| Claim Settlement Ratio (2024)* | 96.2 percent | 89-95 percent |
*Data for Illustrative Purpose Only.
The product of Manipalcigna has one of the highest sum assured options in India, and flexible customer-friendly provisions. Although price is a consideration when it comes to comprehensive plans, it is a good investment because of the benefits and the simple claim procedure to most risk-prone individuals and families in India.
Q. Does Manipalcigna Accident Plan cover NRIs?
No, it is mainly a plan of Indian residents who have Indian address and bank account.
Q. Can I add coverage later after I buy the plan?
Yes, you can add sum assured after underwriting approval at renewal.
Q. What happens in case I miss the policy renewal date?
They have a grace period, then the policy lapses and you need to apply again.
Q. Does the plan include minor injuries?
Claims can be made against related costs in the event of a minor injury that results in hospitalisation. See policy to see what is covered.
Q. How long does it take to turn around claims?
The insurer hopes that the majority of the claims will be settled within 21 days of submitting all the documents.
Q. Are students able to buy this accident plan?
People over the age of 18 are able to purchase the plan. In the case of younger students, parents are to purchase a family plan with children.
Compare the Manipalcigna Accident Plan with other similar plans of other brands side by side before purchasing them using online insurance marketplaces.
How could we improve this article?
Written by Prem Anand, a content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors.
Prem Anand is a seasoned content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors. He has a strong command of industry-specific language and compliance regulations. He specializes in writing insightful blog posts, detailed articles, and content that educates and engages the Indian audience.
The content is prepared by thoroughly researching multiple trustworthy sources such as official websites, financial portals, customer reviews, policy documents and IRDAI guidelines. The goal is to bring accurate and reader-friendly insights.
This content is created to help readers make informed decisions. It aims to simplify complex insurance and finance topics so that you can understand your options clearly and take the right steps with confidence. Every article is written keeping transparency, clarity, and trust in mind.
Based on Google's Helpful Content System, this article emphasizes user value, transparency, and accuracy. It incorporates principles of E-E-A-T (Experience, Expertise, Authoritativeness, Trustworthiness).
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