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Group Health Insurance 317 views January 18, 2022
ManipalCigna Lifestyle Protection Group Policy is for the employer (policyholder) who needs a health insurance plan for their employees. And the employees must disclose information about their existing illnesses in the group proposal form. This is because if any claim arises during the policy period, the insured won’t have any trouble receiving the policy benefits. To learn more about this ManipalCigna Health Insurance Policy, read this page below.
Table of Contents
ManipalCigna Lifestyle Protection Group Policy Base Cover
The coverage under the ManipalCigna Lifestyle Protection Group Policy is as follows –
Part I Group Personal Accident Benefits
In case you meet an accident during the policy and it results in any of the following, the insurance company will pay the benefit amount to the insured or his/her nominee, whatever the case may be.
Death Benefit – In case the insured dies, the nominee will receive the sum insured as specified against this section.
Permanent Total Disablement (PTD) Benefit – The company will pay 100% of the sum insured to the insured person if he/she suffers from PTD Benefit within 365 days from the date of the accident. And the covered PTD are –
- Total and irrecoverable loss of sight in both eyes
- Physical separation or total and permanent loss of use of both hands or both feet
- Physical separation or total and permanent loss of use of one hand and one foot
- Loss of sight in one eye and loss of a Limb
- Loss of hearing in both ears
- Loss of one limb or sight in one eye
- Loss of hearing in both ears and speech
- Loss of speech and loss of one limb or one eye
If the disability does not fall in the above and the insured is unable to engage in employment, the company will pay 100% of the sum insured if the attending medical practitioner confirms the same.
Permanent Partial Disablement (PPD) Benefit – If the disability is partial, the company will pay a percentage of the sum insured as shown in the table below.
| Type of PPD | Payable Amount |
|---|---|
| loss of sight in one eye | 50% |
| loss of one hand or one foot | 50% |
| loss of all toes - any one foot | 10% |
| loss of toe great - any one foot | 5% |
| loss of toes other than great, if more than one toe lost, each | 2% |
| loss of hearing in both ears | 50% |
| loss of hearing in one ear | 15% |
| loss of speech | 50% |
| loss of four fingers and thumb of one hand | 40% |
| loss of four fingers | 35% |
| loss of thumb- both phalanges | 25% |
| loss of thumb- one phalanx | 10% |
| loss of index finger-three phalanges | 10% |
| loss of index finger-two phalanges | 8% |
| loss of index finger-one phalanx | 4% |
| loss of middle/ring/little finger-three phalanges | 6% |
| loss of middle/ring/little finger-two phalanges | 4% |
| loss of middle/ring/little finger-one phalanx | 2% |
Temporary Total Disablement (TTD) Benefit – If the accident causes TTD, an amount <= 1% of the sum insured or the fixed opted sum insured per week for the duration of TTD is payable. This benefit is available for up to 100 weeks, subject to the capital sum insured.
Part II Critical Illness Benefit
If the insured is diagnosed with any of the below-listed illnesses, the company will pay the sum insured, provided he/she survived the 30 days from the date of diagnosis.
- Cancer of specific severity
- Myocardial Infarction (First Heart Attack – of Specific Severity)
- Open Chest CABG
- Open Heart Replacement or Repair of Heart Valves
- Coma of Specified Severity
- Kidney Failure Requiring Regular Dialysis
- Stroke Resulting in Permanent Symptoms
- Major Organ/ Bone Marrow Transplant
- Permanent Paralysis of Limbs
- Motor Neurone Disease with Permanent Symptoms
- Multiple Sclerosis with Persisting Symptoms
- Primary Pulmonary Hypertension
- Aorta Graft Surgery
- Deafness
- Blindness
- Aplastic Anemia
- Coronary Artery Disease
- End-stage Lung Disease
- End-stage Liver Failure
- Third Degree Burns
- Fulminant Hepatitis
- Alzheimer’s Disease
- Bacterial Meningitis
- Benign Brain Tumor
- Muscular Dystrophy
- Apallic Syndrome
- Loss of Speech
- Parkinson’s Disease
- Systemic Lupus Erythematosus
- Medullary Cystic Disease
- Major Head Trauma
- Loss of Limbs
- Brain Surgery
- Cardiomyopathy
- Creutzfeldt-Jakob Disease (CJD)
- Terminal Illness
ManipalCigna Lifestyle Protection Group Policy Optional Coverages
To give some extra benefits to your employees, you can add any of the following riders to the ManipalCigna Lifestyle Protection Group Plan.
| Part I | Part II |
|---|---|
| Disappearance Benefit | Survival Period Waiver |
| Broken Bones Benefit | Emergency Road Ambulance |
| Burns Benefit | Emergency Evacuation |
| Coma Benefit | Medical Repatriation |
| Accidental Death Benefit (Common Carrier) | Marriage Benefit for Dependent Children |
| Permanent Total Disablement Benefit (Common Carrier) | Education Fund Benefit |
| Permanent Total Disablement Double Benefit | Convalescence Benefit |
| Cost of Support Items Benefit | Hospital Cash Benefit |
| Modification Allowance Benefit | Rehabilitation Benefit |
| Rehabilitation Benefit | Loss of Earning Benefit |
| Animal Attack Benefit | Family Counseling Benefit |
| Cost of Personal Protective Equipment (PPE) Damaged in the Accident Benefit | Family Transportation Allowance Benefit |
| Funeral Expenses Benefit | Medical Second Opinion |
| Emergency Road Ambulance Benefit | Wellness Benefit |
| Repatriation of Mortal Remains | |
| Dependent Children Benefit | |
| Spouse Benefit | |
| Dependent Parent Benefit | |
| Marriage Benefit for Dependent Children | |
| Education Fund Benefit | |
| Re-training Expenses Benefit | |
| Convalescence Benefit | |
| Hospital Cash Benefit | |
| Loss of Earning Benefit | |
| Family Counseling Benefit | |
| Family Transportation Allowance Benefit | |
| Medical Second Opinion | |
| Wellness Benefit | |
| Accidental Medical Expenses | |
| Out-Patient Treatment Allowance | |
| In-Patient Medical Expenses | |
| Emergency Evacuation | |
| Medical Repatriation | |
| Adventure Sports Benefit |