Prime Active vs Prime Senior Classic Health Insurance Plan
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Prime Active vs Prime Senior Classic Health Insurance Plan 2024

Prime Active Plan and Prime Senior Classic Plan both come with a plethora of insurance solutions and a vast product portfolio. Both companies are well known for their all-inclusive plans that cover individuals as well as their families. The network hospitals under the umbrella of Prime Active Plan are 14000+ Number Of Network Hospitals whereas Prime Senior Classic Plan has 20800+ Number Of Network Hospitals of them. The companies provide benefits such as hospitalization, accidental care, daycare procedures, critical illness and senior citizen coverage, along with affordable premiums and high sum insured new age insurance plans.

PLAN DETAILS  ManipalCigna Health Insurance Company Limited

Prime Active

 ManipalCigna Health Insurance Company Limited

Prime Senior Classic

Premium Including GST
Sum Assured 3L, 5L, 7.5L, 10L, 12.5L & 15L 5L, 7.5 L, 10L, 15L, 20L, 25L & 50L
Product Type Individual & Multi-Individual Individual/Multi-individual and Family Floater
Key Features
(Key features of the plan)
Covers PED like Asthma - BP - Cholesterol - Diabetes & Obesity after 90 days
Premium Waiver option
Convalescence Benefit (Lump Sum benefit of 30000 per hospitalization for at least 10 consecutive days; applicable for SI 5 Lacs and above)
Unlimited Restoration
Unlimited Tele-consultation in a Policy Year
HIV/AIDS & STD Cover
Modern and Advanced Treatments/HIV/ AIDS & STD / Mental Illness Cover are covered upto SI
Unlimited Tele-consultation in a policy year including specialists
Discount on Pharmacy - Diagnostics - Medical Devices - Health Supplements and other services offered by the network providers of MCHI
Reduction in PED Waiting period to 90 Days (Optional)
OPD Details
(In some policies, OPD (Out patient department) expenses are also covered.)
Not Available Not Available
EMI Option yes yes
Pre-acceptance Medical Check Up
(Whether a pre-acceptance check up is required or not to buy the policy)
Required Not Required
Room Rent
(A limit of room rent cover during hospitalization if any)
Single Private AC room Single Private AC room
Domicillary Hospitalization
(It is the expenses incurred on treatment of the patient at home)
Up to Rs 100000/- Up to Rs 10L
Pre-hospitalization
(Expenses before the insured is hospitalized)
30 Days 30 Days
Post-hospitalization
(Expenses after discharge from the hospital)
60 Days 60 Days
Non-allopathic
(Expenses incurred on non-allopathic treatment)
Upto Rs. 10L Upto Rs. 10L
Day Care Treatment Covered
(Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.)
Upto Rs. 10L Upto Rs. 10L
Hospital_network
(Number of Hospital Network in city)
Organ Donor Expenses
(Expenses incurred on organ donor in case of organ transplants)
Upto Rs. 10L Upto Rs. 10L
Hospital Daily Allowance
(Some plans offer daily allowance to take care of expenses like food, etc)
Rs. 800/- per day (Max Upto Rs. 5600) Not Applicable
Pre-existing Coverage
(If the insured is having some existing diseases, that would be covered after particular time period)
90 days for Asthma, Diabetes, Hypertension, Dyslipidaemia and Obesity related conditions. For all other conditions - 24 months Covers after 24 Months
Cumulative Bonus
(The amount by which your sum assured gets increased, if there is no claim.)
Rs 100000/- per year & max upto Rs 10L Rs 1L every claim free year & max Upto Rs 10L (Bonus will not reduce in case of claim)
Restoration Details
(Increase of Sum Insured for non-related illness if the original sum insured is exhausted)
Unlimited Restoration of Sum Insured for unrelated illnesses Not Available
Ambulance Charges
(Expenses incurred on ambulance charges)
Upto Rs. 10L Upto Rs. 10L
Worldwide Emergency
(The emergency medical assistance and cover against medical expenses while the customer is abroad)
NA Not Available
Maternity Benefits
(All Hospitalization cost covered at the time of pregnancy.)
NA Not Available
New Born Baby Covered
(Newborn babies can be covered under the insurance plan after a certain period)
NA Not Available
Health Checkup
(An added benefit of one time full health checkup of policy holder.)
Health Checkup is available once every 3 years on cashless basis only in Network of MCHI Once after every claim free year. Limits basis opted Sum Insured
Non-allopathic Details
(Expenses incurred on non-allopathic treatment)
no no
Vaccination
(Cover againts any medical expenses occurred in Vaccinations for certain diseases)
No Available Not Available
Animal Bite
(Cover againts any medical expenses occurred due to any Animal Bite)
Not Applicable Not Available
Sub Limit
(Sub-limit is a monetary capping that applies on specific diseases like cataract)
Applicable Applicable
Co-pay
(Mentioned %, if any is to be borne by Insured and rest will be borne by insurer)
No-Copay You pay 20% of claim

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Naval Goel is the CEO & founder of PolicyX.com. Naval has an expertise in the insurance sector and has professional experience of more than a decade in the Industry and has worked in companies like AIG, New York doing valuation of insurance subsidiaries. He is also an Associate Member of the Indian Institute of Insurance, Pune. He has been authorized by IRDAI to act as a Principal Officer of PolicyX.com Insurance Web Aggregator.