ManipalCigna Prime Senior Elite Plan

Overview

A gift of better healthcare for the golden years of life!

The ManipalCigna Prime Senior Elite plan is specially designed for the senior citizens of your family, be it your parents or your grandparents. It provides an additional layer of safety for them, combined with the care of a family and the expertise of insurers.

Features of ManipalCigna Prime Senior Elite Plan

Apart from the basic covers of this plan, here are some of the stand-out features of this health plan to ensure a better experience with healthcare support.

Better Coverage

• It provides better coverage for organ donor treatment expenses, from in-patient hospital care to post-screening after an organ transplant.
• Access to modern treatment such as mental illness care, HIV/AIDS, and STD treatment is covered without any sub-limit application.

Better Control

• Avail unlimited automatic restoration of the sum insured to ensure insurance longevity. It is applicable from the second policy year onwards.
• Cumulative bonus increment at a rate of 10% up to 100% of the sum insured.

Better Care

• Specialists are available for unlimited teleconsultations to assess and track your parents' health anytime.
• Preventive health check-ups ensure they are properly taken care of against any unforeseen medical emergency.

Value-Added Covers

• Domestic second opinion is covered once every policy year for the 36 listed critical illnesses.
• Discounts from network providers on diagnostics, pharmacy, medical devices, health supplements, and more.
• The Premium Waiver benefit allows you to waive the next policy year's premiums if the insured meets with an accident or is diagnosed with any of the listed critical illnesses.

Optional Covers

• The insured is allowed to take treatment and stay in any room of their choice at the time of hospitalization without any proportionate deductions.
• You can reduce the waiting period for pre-existing diseases to 90 days from 24 months.

Add-On Covers

• Health 360 Shield: Covers non-medical expenses (up to the SI) and durable medical equipment (for a maximum of INR 1 Lakh).
• Health 360 OPD: Opt for the OPD add-on to get flexibility with prescribed diagnostics, consultations, and pharmacy.

This is not yet done! The ManipalCigna Prime Senior Elite insurance plan is more than what you could think of. To know more about the eligibility criteria, specifications, exclusions, and coverage benefits, read further on this page.

Exclusions

• Cosmetic or plastic surgery
• Contamination from nuclear fuel or radiation
• Hazardous or adventure sports
• Cataract or dental restructuring (unless mentioned in the policy)
• Foreign invasion or civil war
• Self-inflicted injury
• Unproven treatments
• Sterility and infertility
• Maternity expenses and newborn care
• Breach of law

Conclusion

It might not be possible for most of us to protect our senior parents' or grandparents' health during sudden medical emergencies. In such conditions, one of the most effective ways to give them a safety net is a health insurance policy.

Buying suitable and affordable health insurance such as ManipalCigna Prime Senior Elite will not only help you with lots of savings, but it will also help you reduce the stress of ensuring their care.

So, when are you gifting them the security of healthcare?

Do let us know your thoughts at 1800 4200 269 or ping us on our social media.