ManipalCigna – Saral Suraksha Bima Accident Policy
A plan that safeguards you and your family financially and offers sense of security against unexpected expenses arising from death or serious injury caused by an accident.
ICICI Pru iProtect Smart gives you the flexibility to design your safety net so that you can protect your family’s future to ensure that they lead their lives comfortably without any financial worries, even in your absence. This plan offers you the option to enhance your coverage against Accidental Death and Accelerated Critical Illnesses and hence ensuring a 360 degree cover on your life.
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Why you need this Plan ?
ONE PLAN MULTIPLE BENEFITS
Benefits of the policy
1
Accidental Death:
Provides 100% of Sum Insured in case of Accidental Death.
Provides 100% of Sum Insured in case of Accidental Death.
2
Permanent Partial Disablement:
Permanent Partial Disablement in case of accident covered as a percentage of chosen Sum Insured.
Permanent Partial Disablement in case of accident covered as a percentage of chosen Sum Insured.
3
Permanent Total Disablement:
Provides 100% of Sum Insured in case of Permanent Total Disablement.
Provides 100% of Sum Insured in case of Permanent Total Disablement.
4
Cumulative Bonus: Cumulative Bonus of 5% for each claim-free policy year, provided the policy is renewed without a break, subject to a maximum of 50% of the sum insured. If a claim is made in any particular year, the cumulative bonus accrued will be reduced at the same rate at which it has accrued.
Addons & Options
1
Temporary Total Disablement
Temporary Total Disablement in case of accident covered as a percentage of chosen Sum Insured
Temporary Total Disablement in case of accident covered as a percentage of chosen Sum Insured
2
Education Grant
One time Education Grant as a percentage of sum insured paid to the dependent children on claim due to death or permanent total disablement of the Insured Person
One time Education Grant as a percentage of sum insured paid to the dependent children on claim due to death or permanent total disablement of the Insured Person
3
Hospitalisation Expenses due to Accident
Covers hospitalisation expenses due to accident without any capping on room / category
Covers hospitalisation expenses due to accident without any capping on room / category