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ManipalCigna Prime Senior Details
ManipalCigna Senior Citizen Health Insurance
ManipalCigna Senior Citizen Health Insurance plans are designed for customers who aim to protect their wealth in their golden years. As age advances, individuals become more susceptible to various health issues, leading to substantial hospital bills that can deplete life savings if not adequately covered by a senior citizen health insurance plan. ManipalCigna Senior Citizen Health Insurance offers comprehensive coverage to policyholders aged 60 years and above. Investing in these plans helps safeguard retirement funds. ManipalCigna's senior citizen plans are holistic health insurance plans that provide coverage for:
- Hospitalization expenses
- AYUSH Treatments
- Organ Donor Expenses
- Air Ambulance Cover
- Unlimited Restoration Benefit
- Multiple Discounts, and more
In this article, we will talk about ManipalCigna Senior Citizen Health Insurance Plans, eligibility, benefits, exclusions, and more.
ManipalCigna Senior Citizen Health Insurance Plans
ManipalCigna Senior Citizen Health Insurance offers the following plans:
Prime Senior Classic
It is an all-inclusive plan suitable for individuals seeking a value-for-money insurance plan that addresses increasing medical care costs.
Entry Age: Minimum 56 Years, Maximum 75 Years
Sum Insured: 3 L to 50 L
Coverage Type: Individual/Multi-Individual and Family Floater
Policy Period: 1/2/3 Years
- Add-On Benefits: Policyholders can opt for add-ons and optional coverages such as any room upgrade, premium management, restoration of the sum insured, and reduction in the PED waiting period.
- Rider Benefits: With the ManipalCigna Senior Classic plan, policyholders can opt for riders offering benefits such as coverage for listed non-medical expenses, durable medical equipment, and OPD coverage along with their base policy.
- Avail Cumulative Bonus: Policyholders can avail of cumulative bonuses ranging between 10% to 100% of the sum insured for every claim-free year. The cumulative bonus will be added to the sum insured value at the time of renewal.
- Wellness Benefits: ManipalCigna Senior Citizen Health Insurance offers wellness benefits such as unlimited teleconsultations and flexible health check-ups.
- Coverage for HIV/AIDS: ManipalCigna Senior Citizen Health Insurance offers coverage for HIV/AIDS, STDs, mental illness, and modern and advanced treatments.
Prime Senior Elite
Prime Senior Elite offers multiple health insurance benefits such as in-patient and out-patient hospitalization, enhanced coverage for donor expenses, access to better treatment, and more.
Entry Age: Minimum 56 Years, Maximum 75 Years
Sum Insured: 5 L to 50 L
Coverage Type: Individual/Multi-Individual and Family Floater
Policy Period: 1/2/3 Years
Benefits
- Enhanced Coverage for Organ Donors: Covers in-patient hospitalization, pre and post-hospitalization, screenings, and complications for the organ donor.
- Unlimited Sum Insured Restoration: ManipalCigna Senior Citizen Health Insurance offers unlimited sum insured restoration, where the sum insured is reinstated upon exhaustion.
- Air Ambulance: Provides access to an air ambulance for transportation to the nearest hospital in case of a life-threatening condition requiring immediate attention.
- Domestic Second Opinion: Offers a domestic second medical opinion if the insured individual is unable to find a cure for their health ailments.
- Premium Waiver Benefit: ManipalCigna Senior Citizen Health Insurance offers a premium waiver benefit, providing a waiver of the next one-year renewal policy premium if the insured individual is diagnosed with any of the listed critical illnesses.
ManipalCigna Senior Citizen Health Insurance Inclusions
The various inclusions available under ManipalCigna Senior Citizen Health Insurance are:
- In-Patient Hospitalization
- Ambulance Cover
- Air Ambulance Cover
- Organ Donor Expenses
- AYUSH Treatment
- Day Care Treatment
- Domiciliary Hospitalization
- Health Check-Up, and more
ManipalCigna Senior Citizen Health Insurance Exclusions
The various exclusions under the ManipalCigna Senior Citizen Health Insurance are:
- Suicide Exclusion
- Injury due to involvement in any unlawful activity
- Substance Abuse
- Cosmetic Treatments
- Treatments related to infertility
ManipalCigna Senior Citizen Health Insurance Optional Coverage
ManipalCigna Senior Citizen Health Insurance Plans offer various rider benefits and optional coverage benefits to policyholders, such as waiver of premiums on diagnosis of critical illness, voluntary co-payment option, Cumulative Bonus Booster, Critical Illness Cover, and more.
Conclusion
Senior Citizen Health Insurance offered by ManipalCigna is ideal if you are looking for insurance plans that offer all-around medical care features, high sum insured options, and affordable premiums. The plans offer a plethora of benefits in the base cover, optional covers, and riders.
