Group Health Insurance 263 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.

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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 PPDPayable Amount
loss of sight in one eye50%
loss of one hand or one foot50%
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, each2%
loss of hearing in both ears50%
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 phalanges25%
loss of thumb- one phalanx10%
loss of index finger-three phalanges 10%
loss of index finger-two phalanges 8%
loss of index finger-one phalanx4%
loss of middle/ring/little finger-three phalanges6%
loss of middle/ring/little finger-two phalanges4%
loss of middle/ring/little finger-one phalanx2%

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 IPart II
Disappearance BenefitSurvival Period Waiver
Broken Bones BenefitEmergency Road Ambulance
Burns BenefitEmergency Evacuation
Coma BenefitMedical Repatriation
Accidental Death Benefit (Common Carrier)Marriage Benefit for Dependent Children
Permanent Total Disablement Benefit (Common Carrier)Education Fund Benefit
Permanent Total Disablement Double BenefitConvalescence Benefit
Cost of Support Items BenefitHospital Cash Benefit
Modification Allowance BenefitRehabilitation Benefit
Rehabilitation BenefitLoss of Earning Benefit
Animal Attack BenefitFamily Counseling Benefit
Cost of Personal Protective Equipment (PPE) Damaged in the Accident
Benefit
Family Transportation Allowance Benefit
Funeral Expenses BenefitMedical 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

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