ManipalCigna Lifestyle Protection Group Insurance Policy

ManipalCigna Lifestyle Protection Group Insurance Policy

ManipalCigna Lifestyle Protection Group Policy offers protection against the consequences of uncertain risk of critical illnesses and accidents under a single policy cover. This policy can be purchased by corporates or associations/ groups for the benefit of their employees or members and their dependents.

The Lifestyle Protection Group Policy can be customized as per the requirements of the employees or group members, providing the flexibility to design the policy cover. The plan offers a wide range of policy cover starting from disabilities, accidents, critical illnesses, and procedures.

Eligibility criteria for ManipalCigna Lifestyle Protection Group Policy

Key highlights of ManipalCigna Lifestyle Protection Group Policy

• ManipalCigna Lifestyle Protection Group Policy offers umbrella cover for groups starting from- Personal Accident and/or Critical Illness.
• It offers Lifetime renewal provided the insured person is still associated with the group.
• The plan comes with the flexibility to choose from Base and Optional covers.
• It also offers income protection, including the dependent family cover.
• The Lifestyle Protection Group Policy offers the widest range of covers starting from Accidental Death Benefit, Permanent Total Disability Benefit, Permanent Partial Disability Benefit, Temporary Total Disability Benefit, Multiple Optional benefits, Plans covering up to 36 Critical Illnesses and major medical procedures.
• Cancer-only coverages are also available under this policy.

Inclusions in ManipalCigna Lifestyle Protection Group Policy

• Group Personal Accident insurance provides coverage in case of death and/or disability with a choice of optional covers, including disappearance, coma, broken bones, burns, support items, modification, rehabilitation, accidental medical expenses, hospital cash, ambulance, emergency, evacuation repatriation, child education, spouse benefit, convalescence, family transportation and counseling, second opinion, funeral expenses among others.
• Group Critical Illness covers 1 to 36 illnesses under 6 different plans with optional benefits like emergency road ambulance, survival period waiver, rehabilitation, repatriation, medical second opinion, child education, hospital cash convalescence, family counseling, and wellness benefit, among others.

Exclusions in ManipalCigna Lifestyle Protection Group Policy

Under Personal Accident cover-

• Any Pre-existing Disease or Disability arising out of Pre-existing Diseases
• Death or disablement arising due to use, abuse of the drug, intoxicating substance
• Death or disablement resulting from pregnancy or a consequence thereof
• Death or disablement caused by ionizing radiation or contamination by radioactivity from any nuclear fuel

Under Critical Illness cover-

• Any Illness, sickness, or disease other than those specified as Critical Illness in the Policy
• Any Critical Illness arising out of use, abuse of the drug, intoxicating substance
• Birth control procedures. Any treatment arising from or traceable to pregnancy
• Any Critical Illness caused by ionizing radiation or contamination by radioactivity from any nuclear fuel.