Network hospitals
8751+
Incurred claim ratio
64.66%
Sum insured
Up to 50 CR
No. of Plans
19
Solvency Ratio
1.5
Pan India Presence
77
PolicyX.com is a Recognised ManipalCigna Partner View Certificate
Network hospitals
8751+
Incurred claim ratio
64.66%
Sum insured
Up to 50 CR
No. of Plans
19
Solvency Ratio
1.5
Pan India Presence
77
PolicyX.com is a Recognised ManipalCigna Partner View Certificate
We all know, that senior citizens are prone to get more diseases which continue until their last breath if not treated well. In such scenarios, providing them health insurance with optimum coverage benefits can work wonders. One such health insurance policy is the ManipalCigna Prime Senior health plan. This plan has two variants- Prime Senior ‘Classic’ and Prime Senior ‘Elite’.
ManipalCigna Prime Senior is a senior citizen health insurance plan, curated to offer amazing benefits to the seniors at your home (old age parents, grandparents, and in-laws), both medical and financial. The forte attached to this plan is - coverage for preventive health check-ups, unlimited regular consultations, advanced treatment, listed critical illness safety, and so on. The issuance process of this plan is convenient and simple and requires no pre-medical check-up saving you a lot of effort and time. Additionally, you get lifelong renewability, automatic restoration of the sum insured up to 100%, cumulative bonuses, and relaxation of the co-payment clause.
The benefits are not over yet. ManipalCigna Prime Senior health plan comes with enhanced control benefits where the policyholder is free to act upon the selection of additional benefits, optional covers, room rent options, healthcare requirements for specific conditions, etc. Furthermore, it has organ donor coverage that reimburses all the expenses related to an organ transplant of the policyholder. If a policyholder undergoes treatment for any of the listed critical illnesses or is suffering from a condition leading to his/her death, the plan provides premium waiver coverage as well. Such that, the proposed insured under a family floater or multi-individual plan gets continued benefit out of it, even after the death of the policyholder.
You can get additional optional benefits with this plan, these benefits are mentioned below:
Read all the specifications and details related to the ManipalCigna Prime Senior health insurance policy below.
ManipalCigna Prime Senior Details
Minimum: 56 Years
Maximum: 75 Years
Individual/Family floater/Multi-individual
1/2/3 Years
INR 3 - 50 Lakhs
30 Days*
*The Initial Waiting Period is the period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.
Read below the benefits of ManipalCigna Prime Senior Health Insurance Plan:-
ManipalCigna Prime Senior plan has two variants, each with different features. See below its plan variants and specifications in terms of comparing between the two:
Coverage for SI - Classic (3 L/5 L/7.5 L/10 L/15 L/20 L/25 L/50 L)
Waiting period for pre-existing disease - 24 months
In-patient & Out-patient coverage
Room Rent
Covered
ICU Charges
Covered up to SI
Pre-Hospitalization
30 days up to SI
Post-Hospitalization
60 days up to SI
Domiciliary Hospitalization
Covered Upto SI
Daycare Treatment
Covered Upto SI
OPD Charges
NA
Coverage Terms
COVID-19 Treatment
Not Covered
Cataract
Not Covered
No Claim Bonus
Covered
Automatic Restoration
Not Available
Daily Hospital Cash
Not Available
Organ Donor
Covered up to SI
Maternity Cover
Not Available
New Born Baby Cover
Not Available
Alternative Treatments
AYUSH Treatment
Covered Up to SI
IVF Treatment
Not Available
Modern Treatment
Available
Emergency Coverage
Ambulance
Covered up to SI
Air Ambulance
Not Available
Compassionate Travel
NA
Global Coverage
NA
Wellness Programmes
E-Consultation
Unlimited
Health Check-Up
Covered
Second Medical Opinion
Not Available
Vaccination
Not Covered
Limitations
Co-payment
Applicable
Sub-limits
NA
Coverage for SI - Elite (5 L/7.5 L/10 L/15 L/20 L/25 L/50 L)
Waiting period for pre-existing disease - 24 months
In-patient & Out-patient coverage
Room Rent
Covered
ICU Charges
Covered up to SI
Pre-Hospitalization
60 days up to SI
Post-Hospitalization
90 days up to SI
Domiciliary Hospitalization
Covered Upto SI
Daycare Treatment
Covered Upto SI
OPD Charges
NA
Coverage Terms
COVID-19 Treatment
Not Covered
Cataract
Not Covered
No Claim Bonus
Covered
Automatic Restoration
Available
Daily Hospital Cash
Available
Organ Donor
Covered up to SI
Maternity Cover
Not Available
New Born Baby Cover
Not Available
Alternative Treatments
AYUSH Treatment
Covered Up to SI
IVF Treatment
Not Available
Modern Treatment
Available
Emergency Coverage
Ambulance
Covered up to SI
Air Ambulance
Available
Compassionate Travel
NA
Global Coverage
NA
Wellness Programmes
E-Consultation
Unlimited
Health Check-Up
Covered
Second Medical Opinion
Available
Vaccination
Not Covered
Limitations
Co-payment
Applicable
Sub-limits
NA
The room rent limit is the maximum amount of bed charge that you can claim if you are hospitalized.
Common room categories covered under room rent are:
Coverage status under ManipalCigna Prime Senior Health Insurance Plan?
Covered. Upgrading the room category is only subject to additional charges, except for nursing expenses and doctor’s visits. The policyholder is free to choose any type of room.
It is a special department in the hospitals where patients with serious medical conditions are treated.
Coverage status under ManipalCigna Prime Senior Health Insurance Plan?
Single/ Private/ AC room and ICU: Up to the Sum Insured covered
Medical expenses incurred before the hospitalization of the policyholder.
Coverage status under ManipalCigna Prime Senior Health Insurance Plan?
Manipal Cigna Pro Health Prime Plan covers medical expenses incurred during pre-hospitalization
Medical expenses incurred after the discharge of the policyholder from the hospital.
Coverage status under ManipalCigna Prime Senior Health Insurance Plan?
Manipal Cigna Pro Health Prime Plan covers medical expenses incurred during post-hospitalization
Home hospitalization arrangements for the insured person due to the unavailability of medical amenities in hospitals. The treatment should last equal to or more than 72 hrs to get financial coverage.
Coverage status under ManipalCigna Prime Senior Health Insurance Plan?
Covered Up to SI
Treatments that can be treated in less than 24 hours of hospitalization like blood dialysis, cataract, etc.
Coverage status under ManipalCigna Prime Senior Health Insurance Plan?
Covered Up to SI
Covers the cost of doctor consultations and prescribed medical tests that may not require hospitalization.
Coverage status under ManipalCigna Prime Senior Health Insurance Plan?
Not Applicable
COVID-19 treatment includes the cost of treatment for COVID-19 with a confirmative diagnosis from Govt. approved Centre.
Coverage status under ManipalCigna Prime Senior Health Insurance Plan?
Not Available
A common eye condition in which your vision gets blurred.
Coverage status under ManipalCigna Prime Senior Health Insurance Plan?
Not Available
For every claim-free year, insurance companies reward policyholders with an increase in the Sum Insured amount as a no-claim bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage that varies from plan to plan.
Coverage status under ManipalCigna Prime Senior Health Insurance Plan?
Automatic restoration is a benefit in which an insurance company restores the sum insured amount completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from plan to plan.
Coverage status under ManipalCigna Prime Senior Health Insurance Plan?
For the base plan or Prime Senior:
Classic: Not Available
Elite: Unlimited Restoration of Sum Insured for unrelated/related illnesses. Applicable from 2nd claim onwards
For the optional covers:
Classic: Unlimited Restoration of Sum Insured for unrelated/related illnesses. Applicable from 2nd claim onwards
Elite: Not Available
It is a cash amount that you receive each day during the time of hospitalization.
Coverage status under ManipalCigna Prime Senior Health Insurance Plan?
It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body.
Coverage status under ManipalCigna Prime Senior Health Insurance Plan?
Covered up to SI.
It refers to the cover that includes expenses for normal and c-section procedure deliveries.
Coverage status under ManipalCigna Prime Senior Health Insurance Plan?
Not Applicable
It takes care of the medical expenses that arise due to the hospitalization of the newborn baby in case of unforeseen circumstances. Some of the common treatments that are covered under the newborn cover and these common treatments can vary from plan to plan:
Coverage status under ManipalCigna Prime Senior Health Insurance Plan?
Not Applicable
Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.
Coverage status under ManipalCigna Prime Senior Health Insurance Plan?
Covered up to SI
In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:
Coverage status under ManipalCigna Prime Senior Health Insurance Plan?
Not Applicable
Medical treatments that demand the use of modern technology such as robotic surgeries, stem cell therapy, etc.
Coverage status under ManipalCigna Prime Senior Health Insurance Plan?
Modern and Advanced Treatments/HIV/AIDS & STD/Mental Illness are covered up to SI
An ambulance is used to move the patient from home to the hospital, transfer to another hospital, and take them for different tests outside the hospital.
Coverage status under ManipalCigna Prime Senior Health Insurance Plan?
Covered up to SI
Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.
Coverage status under ManipalCigna Prime Senior Health Insurance Plan?
Refers to the traveling expenses of a family member of the insured person in case the policyholder gets admitted to a hospital outside his/her residential city.
Coverage status under ManipalCigna Prime Senior Health Insurance Plan?
Not Applicable
Any kind of medical/health emergency when you are outside of India.
Coverage status under ManipalCigna Prime Senior Health Insurance Plan?
Not Applicable
If a policy offers e-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.
Coverage status under ManipalCigna Prime Senior Health Insurance Plan?
Unlimited tele-consultation in a policy year including specialists.
A facility where the policyholder can avail of free health check-ups after fulfilling the company's policies.
Coverage status under ManipalCigna Prime Senior Health Insurance Plan?
If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company’s network of medical practitioners.
Coverage status under ManipalCigna Prime Senior Health Insurance Plan?
Only domestic second medical opinion is covered.
The insurance companies provide coverage against the expenses incurred on vaccinations.
Coverage status under ManipalCigna Prime Senior Health Insurance Plan?
Not Available
In the co-payment clause, policyholders have to pay a portion of the hospitalization expense on their own and the insurer will spend the rest.
Coverage status under ManipalCigna Prime Senior Health Insurance Plan?
Applicable at 20% per claim. Options available to modify the same to 0%, 10% or 30%.
Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to be paid by the policyholder.
Coverage status under ManipalCigna Prime Senior Health Insurance Plan?
Not Available
This policy schedule has some exclusions that are mentioned below:
Any kind of external congenital illnesses or voluntary treatments like cosmetic/beautification/plastic surgery, etc
Investigation and evaluation purposes
Obesity/weight control/liposuction
Hazardous/adventure sports/nuclear wars, defensive attacks, etc
Breach of the law, alcoholism, drug, or substance abuse cases, etc
Unproven treatments
Sterility and infertility, birth control, gender change treatments, etc
Maternity expenses like childbirth, miscarriage, and lawful medical termination of pregnancy during the policy period
Alcoholism, drug abuse, etc
To avail of claim settlement services, the insured individual must follow the process given below:
ManipalCigna Prime Senior's health insurance policy provides special coverage for senior citizens that helps them get continued medical support. It makes sure that your parents have a financial backup for fighting against an emergency. With the specialization of modern treatment, enhanced sum insured options, lifelong renewability and no boundations with room rent limit, etc, the plan is a saviour for senior citizens.
Want to know more? Contact our customer care executives on 18003450330 or visit the official website of PolicyX.com.
Manipal Cigna Health offers a wide range of health insurance plans to fulfill the medical needs of individuals, families, and senior citizens.
Individual/Family Plan
This plan is exclusively designed to cater to quality healthcare services like worldwide treatment and maternity conditions.
Unique Features
Comprehensive Plan
The plan covers a wide range of in-patient coverage on an individual/family floater basis. Worldwide OPD cover is available.
Unique Features
Comprehensive Plan
A comprehensive health insurance plan with SI up to INR 1 Crore and 3 plan variants and features like a wellness program, unlimited tele consultations, and more.
Unique Features
Comprehensive Plan
Plan with comprehensive coverage up to INR 3 crores with benefits like OPD cover, global cover, women's care, and continuity benefits.
Unique Features
Comprehensive Plan
A health insurance plan designed for parents and senior citizens to protect them in their golden years of life. The plan offers a high SI of up to 50 Lakh INR.
Unique Features
Comprehensive Plan
A comprehensive Plan with 5 different variants suitable for individuals and young couples, offering a sum insured up to 1 Crore.
Unique Features
Affordable Plan
An affordable health plan that offers added coverage to the policyholders as per their requirements with 2 plan variants.
Unique Features
Affordable Plan
Customers can design their own health insurance plan and pay for features that they opt for in the plan. The plan is customizable as per your needs and requirements.
Unique Features
Affordable Plan
The policy is designed specifically for people with special abilities, people affected with HIV/AIDS, and those affected by mental illnesses.
Unique Features
Affordable Plan
A daily cash plan that offers financial aid for hospitalization expenses offering coverage for up to 180 days per policy year.
Unique Features
Affordable Plan
An affordable standard health insurance plan for individuals and family members with up to 10 L SI.
Unique Features
Accident Plan
A plan that provides complete protection on and off the job against death, disability, and loss of job through 3 different plan variants.
Unique Features
Critical Illness Plan
A protection plan that offers support to you and your family against 30 critical illnesses with a high sum insured to opt from.
Unique Features
Accident Plan
Personal Accident policy to safeguard you from unexpected expenses arising from death or serious injuries.
Unique Features
Group Plan
A flexible, comprehensive, and easy group health insurance that covers illness and injury. The plan provides a sum insured up to 1 Crore with optional covers.
Unique Features
Group Plan
An all-in-one plan offering sum insured up to 50 Crores and umbrella cover of Group-Personal accident and/or critical illness.
Unique Features
Group Plan
A plan offering sum assured up to 5 Crore and a range of covers including accident, mediclaim, surgery, domestic travel, and wellness.
Unique Features
Group Plan
Group overseas travel insurance offers all-around coverage for business trips, vacations, and more. The plan offers a sum insured value of up to $ 50 Lac.
Unique Features
Group Plan
A comprehensive group plan that covers Indian nationals and expatriates working abroad under one umbrella with a sum insured of up to $ 10 Million.
Unique Features
ManipalCigna Health Insurance Network Hospitals are present in 30 states nationwide. With a wide network of hospitals, ManipalCigna Health Insurance ensures that you are medically secured, irrespective of the city you reside in.
Senior citizens who are above the age of 55 years should buy this plan. This plan makes sure that they get optimum medical care during the most vulnerable stage of their life.
Yes, you can buy the plan from the company’s official website or PolicyX.com.
No, this plan has no exit age limit.
This plan has an add-on cover- ManipalCigna Health 360, and the specifications are:
SHIELD: Coverage for listed Non-medical items up to base policy sum insured and Durable Medical Equipment up to a maximum of R 1 Lakh.
OPD: Package 1- Get coverage for doctor consultations on a cashless basis within the OPD sum insured. Package 2- Get coverage for doctor consultations and prescribed diagnostics on a cashless basis within the OPD sum insured
*The details subjected to add-on are taken from the policy schedule of ManipalCigna Prime Senior health plan
This plan has an automatic restoration benefit to SI under which your policy restores the amount of the sum insured upon exhaustion.
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Pragh Aggrawal
Bhopal
April 8, 2024
I read about several health insurance policies offered by ManipalCigna which I feel is more convenient to explore on the page of PolicyX as you can check the plans thoroughly.
Siddhant Tomar
Pune
April 8, 2024
ManipalCigna has the best maternity health insurance and I can proudly say my wife’s pregnancy and delivery was seamless. All thanks to the team of PolicyX who helped me in the claim sett...
Pakhi Rajawat
Pune
April 8, 2024
Buying ManipalCigna ProHealth insurance with the guidance of PolicyX experts was the best decision ever.
Abraam Malik
Bhubaneshwar
April 8, 2024
ManipalCigna ProHealth Prime Advantage has been one of the best health insurance as it provides full coverage for the basic health conditions of my family. Thanks to the PolicyX sales team who ...
Naseehat Aman
Vijayawada
April 8, 2024
PolicyX.com has played a vital role in getting a claim for my ManipalCigna ProHealth through their easy and convenient guidance. Thank you, team.
Sumukhi
Madurai
April 8, 2024
Manipalcigna pro health prime has really been a rock for me when I required hospitalization for 1 week. PolicyX helped me with the claim settlement.
Nihal
Vadodara
March 18, 2024
I was looking for a plan that supports me in case of international travels, this is when PolicyX insurance experts suggested me ManipalCigna Pro Health and I am satisfied
Ashish
Vishakapatnam
March 18, 2024
I have been a policyholder of the ManipalCigna Pro Health for years now, I am glad PolicyX helped me in finding the health plan
Simran has an experience of 3 years in insurance content writing. She transitioned from hospitality to the insurance industry after her emerging interest in how vast insurance is. With her ability to write complex insurance concepts in a simple, relatable manner she keeps her audience hooked and solves their doubts smoothly.
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