ManipalCigna Senior Citizen Health Insurance
Manipal Cigna Senior Citizen Health Insurance plans are designed for customers who aim to protect their wealth in their golden years. Due to increasing age, insured individuals are prone to multiple health issues leading to hefty hospital
bills which may drain your life savings if you do not invest in an ideal senior citizen health insurance plan. Manipal Cigna Senior Citizen Health Insurance offers comprehensive coverage to all policyholders above the age of 60 years.
Investing in senior citizen health insurance plans will ensure that your retirement funds are intact. The senior citizen plans offered by Manipal Cigna 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.
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ManipalCigna Prime Senior Details
ManipalCigna Senior Citizen Health Insurance Plans
The various health plans offered by ManipalCigna Senior Citizen Health Insurance Plans are mentioned below
Prime Senior Classic
It is an all-inclusive plan that is suitable for those individuals who are looking for a value-for-money insurance plan that takes care of the 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 |
Benefits
- Add-On Benefits
Policyholders are entitled to 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 and 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 every claim-free year. Cumulative bonus rewarded to insurance holders
will be added to their sum insured value at the time of renewal
- Wellness Benefits
Manipal Cigna senior citizen health insurance offers wellness benefits such as unlimited teleconsultations and flexible health check-ups
- Coverage for HIV/AIDS
Manipal Cigna Senior Citizen Health Insurance offers coverage for HIV/AIDS, STD/Mental Illness Cover, 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
Insured individuals are provided with the facility of in-patient hospitalization, pre and post-hospitalization, screenings, and complications with
respect to the donor for an organ transplant
- Unlimited Sum Insured Restoration
Manipal Cigna Senior Citizen Health Insurance provides policyholders with the option to avail of unlimited sum insured restoration benefit wherein
the sum insured value will be restored in case of exhaustion.
- Air Ambulance
Access to an air ambulance is provided by the insurance provider for transportation to the nearest hospital/healthcare facility in case of a life-threatening condition
that requires immediate attention
- Domestic Second Opinion
It happens many times wherein the insured individual is unable to find the cure to the health ailments they are suffering from, in such cases a second medical
opinion is helpful. Manipal Cigna Senior Citizen Health Insurance offers the same to insured individuals under this plan.
- Premium Waiver Benefit
ManipalCigna Senior Citizen Health Insurance offers a premium waiver benefit wherein a waiver of the next one-year renewal policy premium is offered in case
the insured individual is diagnosed with any of the listed critical illnesses.
Manipal Cigna Senior Citizen Health Insurance Inclusions
The various inclusions available under Manipal Cigna 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
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Manipal Cigna 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
Manipal Cigna Senior Citizen Health Insurance Optional Coverage
There are various rider benefits and optional coverage benefits offered to insurance holders when they invest in the Manipal Cigna Senior Citizen Health Insurance Plan like 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 Manipal Cigna is ideal if you are looking for insurance plans that offer all-around medical care features with high-sum insured
options and affordable premiums. The plans are loaded with a plethora of benefits in the base cover as well as optional covers and riders.
ManipalCigna Health Insurance Plans
ManipalCigna offers extensive categories of health insurance plans for their diverse customer base. The company offers individual plans, family floater, critical illness, global health insurance, and more to meet various health insurance
needs.
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
- 3 Plan Variants
- Up to 200% Cumulative Bonus
- Critical Illness Cover
ManipalCigna ProHealth Prime (Pros)
- Annual Health Check-up
- Domestic Second Opinion
- Switch Off Benefit
- Premium Waiver Benefit
- OPD Expense Covered
ManipalCigna ProHealth Prime (Cons)
- Optional Deductibles
- 10% Co-Payment
- PED 2-year waiting period
- Long Waiting Period
- Long Mental Illness Cover
ManipalCigna ProHealth Prime (Other Benefits)
- Domiciliary Hospitalization
- Air Ambulance Cover
- Cumulative Bonus Booster
- CI Add on Cover
- SI Restoration
ProHealth Prime (Eligibility Criteria)
- Entry Age - 91 Days
- Max Entry Age - No Limit
- SI - 3 L to 1 Cr
- Waiting Period - 30 Days
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
- Avail Global OPD
- Cancer treatment
- High SI
Manipalcigna Lifetime (Pros)
- No room rent limit
- Avail Loyalty discount
- Global OPD
- International Second Opinion
- 27 CI Covered
Manipalcigna Lifetime (Cons)
- Hazardous Activities not covered
- Injuries due to unlawful activities
- Obesity
- Cosmetic Surgery
- Injuries due to illegal activities
Manipalcigna Lifetime (Other Benefits)
- Travel Expenses Benefit
- Global Second Opinion
- Critical Illness Cover
- Women+ Cover
- Air Ambulance Cover
Manipalcigna Lifetime (Eligibility Criteria)
- Entry Age - 91 Days
- Max Entry Age - 65 Years
- SI - 1 L to 3 Cr
- Waiting Period - 30 Days
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
- Individual and Family Floater
- 2 Plan Variants
- Up to 50 Lakh INR
Manipal Cigna Prime Senior (Pros)
- Low Waiting Periods
- Flexible Room Category
- Avail Cumulative Bonus
- Flexible Health Check-up
- Tele-Consultations
Manipal Cigna Prime Senior (Cons)
- Injuries Due to Breach of Law
- Adventure Sports
- Obesity
- Cosmetic Surgery
- Injuries Due to Illegal Activities
Manipal Cigna Prime Senior (Other Benefits)
- Modern Treatment Cover
- 10 % Cumulative Bonus
- Cashless Health Check-Up
- Mental Illness Cover
- Domiciliary Hospitalization Cover
Manipal Cigna Prime Senior (Eligibility Criteria)
- Entry Age - 56 Years
- Max Entry Age - 75 Years
- SI - 3 L to 50 L
- Waiting Period - 30 Days
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
- Avail Family Discount
- Worldwide Emergency Protection
- Avail Healthy Lifestyle Benefits
Manipal Cigna Pro Health (Pros)
- 5 Plan Variants
- SI Up to 1 Crore
- Hospital Cash Benefits
- Up to 200% Cumulative Bonus
- Avail Health Check-Up
Manipal Cigna Pro Health (Cons)
- Optional Co-Pay
- Injuries due to unlawful activities
- Obesity
- Cosmetic Surgery
- Injuries due to illegal activities
Manipal Cigna Pro Health (Other Benefits)
- 8500+ Cashless Hospitals
- Tax Benefits
- Inflation Protection
- Medical Check Up Cover
- Health Reward Points
Manipal Cigna Pro Health (Eligibility Criteria)
- Entry Age - 91 Days
- Max Entry Age - No limit
- SI - 2.5 L to 1 Cr
- Waiting Period - 30 Days
Affordable Plan
An affordable health plan that offers added coverage to the policyholders as per their requirements with 2 plan variants.
Unique Features
- Affordable Health Plan
- Up to 30 Lakhs SI
- Beat Medical Care Inflation
ManipalCigna Super Top-up Plan (Pros)
- Add On CI benefit
- Up to 50% Cumulative Bonus
- Donor Expenses Cover
- Day Care Treatment Cover
- Ambulance Cover
ManipalCigna Super Top-up Plan (Cons)
- Injuries due to unlawful activities
- Obesity
- Cosmetic Surgery
- Injuries due to illegal activities
- Dental Treatment
ManipalCigna Super Top-up Plan (Other Benefits)
- Optional Covers Available
- Add-on Covers Available
- Non-medical expenses Cover
- Opt for Any Room Category
- Tax Benefits
ManipalCigna Super Top-up Plan (Eligibility Criteria)
- Entry Age - 91 Days
- Max Entry Age - No limit
- SI - 3 L to 30 Lakhs
- Waiting Period - 30 Days
Affordable Plan
ManipalCigna Pro Health Select
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
- 2 Plan Variants Available
- Avail Customized Features
- Long Term Policy
- Reassurance Benefits
- High SI Up to 25 Lakhs
- Tax Benefits
- 171 Day Care Procedures
- Ambulance Cover
- Injuries due to unlawful activities
- Obesity
- Cosmetic Surgery
- Injuries due to illegal activities
- Dental Treatment
Pro Health Select (Other Benefits)
- Premium Waiver Option
- Long Term Policy
- Restoration Benefit
- Health Reward Points
- AYUSH Cover
Pro Health Select (Eligibility Criteria)
- Entry Age - 91 Days
- Max Entry Age - No limit
- SI - 3 L to 25 Lakhs
- Waiting Period - 30 Days
Affordable Plan
Manipal Cigna Secure Health
The policy is designed specifically for people with special abilities, people affected with HIV/AIDS, and those affected by mental illnesses.
Unique Features
- Affordable Premiums
- AYUSH Treatments
- Day Care Procedures
Manipal Cigna Secure Health (Pros)
- Modern Treatments Covered
- Road Ambulance Covered
- Cataract Cover
- Emergency Ambulance
- Pre and Post Hospitalization
Manipal Cigna Secure Health (Cons)
- 48 Months PED Waiting Period
- Injuries due to unlawful activities
- Obesity
- Injuries due to illegal activities
- Dental Treatment
Manipal Cigna Secure Health (Other Benefits)
- Tax Benefits
- Flexible-Premium Payments
- Multiple Discounts
- Portable Policy
- Renewable Policy
Manipal Cigna Secure Health (Eligibility Criteria)
- Entry Age - Newborn
- Max Entry Age - 65 Years
- SI - 4 & 5 Lakhs
- Waiting Period - 30 Days
Affordable Plan
ManipalCigna ProHealth Cash
A daily cash plan that offers financial aid for hospitalization expenses offering coverage for up to 180 days per policy year.
Unique Features
- 2 Plan Variants Available
- Sickness Hospital Cash Benefit
- ICU Cash Benefit
ManipalCigna ProHealth Cash (Pros)
- Daily Cash Benefits
- Accidental Death Cover
- Permanent Total Disability Cover
- Individual and Family Floater
- 1/2/3 Policy Years
ManipalCigna ProHealth Cash (Cons)
- Injuries due to unlawful activities
- Obesity
- Cosmetic Surgery
- Injuries due to illegal activities
- Dental Treatment
ManipalCigna ProHealth Cash (Other Benefits)
- Up to 10% long-term discount
- 10% Family Discount
- Critical Illness Add-On
- Online Wellness Program
- 15 Day free-Look Period
ManipalCigna ProHealth Cash (Eligibility Criteria)
- Entry Age - 91 Days
- Max Entry Age - 65 Years
- SI - 500 to 5000 Per day
- Waiting Period - 30 Days
Affordable Plan
ManipalCigna Arogya Sanjeevani Policy
An affordable standard health insurance plan for individuals and family members with up to 10 L SI.
Unique Features
- Affordable Health Coverage
- Avail modern treatments
- Avail AYUSH Treatment
Arogya Sanjeevani Policy (Pros)
- Allopathic & AYUSH Cover
- Cashless Hospitalization
- Tax Benefits
- Multiple Discounts
- Up to 50% Cumulative Bonus
Arogya Sanjeevani Policy (Cons)
- Injuries due to unlawful activities
- Obesity
- Cosmetic Surgery
- Injuries due to illegal activities
- Dental Treatment
Arogya Sanjeevani Policy (Other Benefits)
- Pre & Post Hospitalization
- Road Ambulance Cover
- 15-Day Free-Look Period
- Up to 10 L SI
- 30-Day Grace Period
Arogya Sanjeevani Policy (Eligibility Criteria)
- Entry Age - 91 Days
- Max Entry Age - 65 Years
- SI - 50k to 10 Lakhs
- Waiting Period - 30 Days
Accident Plan
ManipalCigna Lifestyle Protection Accident Care
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
- SI up to 10 Crores
- Tax Benefits
- Pre & Post Hospitalization Cover
Lifestyle Protection Accident Care (Pros)
- Funeral Expenses Covered
- Accidental Death Covered
- Emergency Ambulance Covered
- 3 Plan Variants
- Orphan Benefit Covered
Lifestyle Protection Accident Care (Cons)
- Injuries due to unlawful activities
- Obesity
- Cosmetic Surgery
- Injuries due to illegal activities
- Dental Treatment
Lifestyle Protection Accident Care (Other Benefits)
- Education Fund Cover
- Burn Benefit Cover
- Permanent Disablement Cover
- Partial Disablement Cover
- Loss of Employment Cover
- Entry Age - 5 Years
- Max Entry Age - 80 Years
- SI - 50k to 10 Crores
- Waiting Period - 30 Days
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
- Up to 30 CI Covered
- Avail Online Wellness Program
- 2 Plan Variants Available
Lifestyle Protection Critical Care (Pros)
- High Sum Insured
- Medical Second Opinion
- Premium Installments Available
- Avail Multiple Discounts
- Tax Benefits
Lifestyle Protection Critical Care (Cons)
- Injuries due to unlawful activities
- Obesity
- Cosmetic Surgery
- Injuries due to illegal activities
- Dental Treatment
Lifestyle Protection Critical Care (Other Benefits)
- Lump Sum Or Staggered Payouts
- Global Plan
- Cancer Cover
- Bone Marrow Transplant
- Deafness Cover
- Entry Age - 18 Years
- Max Entry Age - 65 Years
- SI - 1 L to 25 Crore
- Waiting Period - 30 Days
Accident Plan
ManipalCigna Saral Suraksha Bima
Personal Accident policy to safeguard you from unexpected expenses arising from death or serious injuries.
Unique Features
- Avail Accident Death Cover
- Avail Security for dependant child
- Permanent Total Disability Cover
Saral Suraksha Bima (Pros)
- Up to 50% Cumulative Bonus
- Add-On Cover
- Individual & Family Cover
- Flexible-Premium Payment
- Up to 1 Crore SI
Saral Suraksha Bima (Cons)
- Injuries due to unlawful activities
- Obesity
- Cosmetic Surgery
- Injuries due to illegal activities
- Dental Treatment
Saral Suraksha Bima (Other Benefits)
- Hospitalization Expense Cover
- Education Grant
- 3% Online Renewal Discount
- 15% Family Discount
- 10% Worksite Discount
Saral Suraksha Bima (Eligibility Criteria)
- Entry Age - 3 Months
- Max Entry Age - 70 Years
- SI - 2.5 L to 1 Crore
- Waiting Period - 30 Days
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
- Customizable Plan
- 42 Optional Covers
- Personal Accident Cover
- Avail hospitalization cover
- Inpatient Hospitalization
- Day Care Cover
- Pre & Post Hospitalization
- Road Ambulance
- Injuries due to unlawful activities
- Obesity
- Cosmetic Surgery
- Injuries due to illegal activities
- Illness due to radiation exposure
Pro Health Group (Other Benefits)
- Donor Expenses Cover
- AYUSH Treatment Cover
- Daily Cash Benefits
- Critical Illness Cover
- Personal Accident Cover
Pro Health Group (Eligibility Criteria)
- Entry Age - No Limit
- Max Entry Age - No Limit
- SI - 5k to 1 Crore
- Waiting Period - 30 Days
Group Plan
ManipalCigna Lifestyle Protection Group Policy
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
- Flexible Base and Optional Covers
- 36 CI Covered
- Cancer-only coverage available
Lifestyle Protection Group Policy (Pros)
- Accidental Death Benefit
- Permanent Total Disability Benefit
- Multiple Optional Benefits
- Partial Disability Benefit
- Temporary Total Disability Benefit
Lifestyle Protection Group Policy (Cons)
- Injuries due to unlawful activities
- Obesity
- Cosmetic Surgery
- Injuries due to illegal activities
- Illness due to radiation exposure
Lifestyle Protection Group Policy (Other Benefits)
- Survival Period Waiver
- Emergency Road Ambulance
- Hospital Cash Benefit
- Family Counselling
- Medical Second Opinion
- Entry Age - 5 Years
- Max Entry Age - 75 Years
- SI - Up to 50 Crores
- Waiting Period - 30 Days
Group Plan
ManipalCigna FlexiCare Group Insurance Policy
A plan offering sum assured up to 5 Crore and a range of covers including accident, mediclaim, surgery, domestic travel, and wellness.
Unique Features
- Wellness Program
- Customizable Cover
- Home Care Benefit
FlexiCare Group Policy (Pros)
- EMI Protection
- Pay-out Options Available
- Domestic Travel Cover
- Premium Waiver
- Cost Effective Plan
FlexiCare Group Policy (Cons)
- Injuries due to Unlawful activities
- Obesity
- Cosmetic Surgery
- Injuries due to illegal activities
- Illness due to radiation exposure
FlexiCare Group Policy (Other Benefits)
- Surgery Cover
- Day Care Cover
- OPD Cover
- Home Care Cover
- Income Protection
- Entry Age - No limit
- Max Entry Age - No limit
- SI - Up to 5 Crores
- Waiting Period - 30 Days
Group Plan
ManipalCigna Group Overseas Travel
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
- Customizable Plan
- Travel Expense Cover
- Avail adventure sports cover
Group Overseas Travel (Pros)
- Loss of Baggage Cover
- Hijack Cover
- OPD Cover
- Easy Plan Management
- 24/7 Toll-Free Assistance
Group Overseas Travel (Cons)
- Injuries due to Unlawful activities
- Obesity
- Cosmetic Surgery
- Injuries due to illegal activities
- Illness due to radiation exposure
Group Overseas Travel (Other Benefits)
- Medical Expenses Cover
- Travel Inconvenience Cover
- Travel Personal Accident Cover
- 51 Optional Covers
- Cruise Cover
Group Overseas Travel (Eligibility Criteria)
- Entry Age - 0 Days
- Max Entry Age - 95 Years
- SI - Up to $ 50 Lac
- Waiting Period - 30 Days
Group Plan
ManipalCigna Global Health Group Policy
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
- Avail Global Health Care
- Wellness Program
- Multiple Optional Covers
Global Health Group Policy (Pros)
- Outpatient Benefits
- In-patient Hospitalization
- Day Care Cover
- Maternity Cover
- New Born Cover
Global Health Group Policy (Cons)
- Injuries due to unlawful activities
- Obesity
- Cosmetic Surgery
- Injuries due to illegal activities
- Illness due to radiation exposure
Global Health Group Policy (Other Benefits)
- Dental Cover
- Vision Cover
- Travel Vaccination Cover
- Cancer Cover
- Psychological Care
Global Health Group Policy (Eligibility Criteria)
- Entry Age - Day 1
- Max Entry Age - 95 Years
- SI - $ 10 Million
- Waiting Period - 30 Days
Manipalcigna Health Insurance Network Hospital List
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