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Senior citizens are often susceptible to various health conditions that require comprehensive medical care. Providing them with health insurance that offers optimum coverage can be highly beneficial. The ManipalCigna Prime Senior health plan is one such policy, available in two variants: Prime Senior ‘Classic’ and Prime Senior ‘Elite’.
ManipalCigna Health Insurance has designed the Prime Senior plan specifically for senior citizens, offering significant medical and financial benefits for elderly family members (parents, grandparents, and in-laws). Key features of this plan include coverage for preventive health check-ups, unlimited regular consultations, advanced treatments, and critical illness protection. The plan offers a convenient and simple issuance process with no pre-medical check-up, saving time and effort. Additionally, it provides lifelong renewability, automatic restoration of the sum insured up to 100%, cumulative bonuses, and relaxation of the co-payment clause.
The ManipalCigna Prime Senior health plan also includes enhanced control benefits, allowing policyholders to select additional benefits, optional covers, room rent options, and healthcare requirements for specific conditions. Furthermore, it offers organ donor coverage, reimbursing all expenses related to an organ transplant for the policyholder. The plan also provides a premium waiver benefit if a policyholder undergoes treatment for any listed critical illness or suffers a condition leading to death. This ensures that the proposed insured under a family floater or multi-individual plan continues to receive benefits even after the policyholder's demise.
| PLAN DETAILS |
Manipalcigna Prime Senior Classic Plan |
Icici Lombard Elevate Plan |
| Product Type | Senior Citizen Health Insurance | Individual and Family Health Insurance |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Not Covered | Covered |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
Covered | Covered |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
Covered | Covered |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
Covered | Covered |
| Post-hospitalization (Expenses after discharge from the hospital) |
Covered | Covered |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
Covered | Covered |
| Hospital_network (Number of Hospital Network in city) |
15000 | 10600 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Covered | Covered |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
Covered | Covered |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Covered | Covered |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Not Covered | Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Not Covered | Covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Covered | Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Not Covered | Covered |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Covered | Covered |
| Plan Entry Age | 56 to 75 years | Child: 91 days - 30 years, Adult: 18 years - No limit |
| Plan Premium Entry Age and S/A | NA | 4,000 |
| Plan Waiting Period | 30 | 30 |
| Plan Coverage | Individual/Family floater/Multi-individual | Hospitalization expenses, pre post expenses (90–180 days), daycare treatments, AYUSH treatment, organ donor cover, ambulance and air ambulance |
| Plan Sample Premium | NA | 4,000 |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1/2/3 Years | 1, 2, 3 years |
| ICU Charges | Covered | Covered |
| Covid-19 Treatment | Covered | Covered |
| Cataract | Covered | Not Covered |
| Automatic Restoration | Not Covered | Covered |
| Ayush Treatment | Covered | Covered |
| Modern Treatment | Covered | Covered |
| E Consultation | Covered | Covered |
| Air Ambulance | Covered | Covered |
| Global Coverage | Not Covered | Covered |
| Claim Ratio | 98 | 97.16 |
| Solvency Ratio | 1.76 | 2.69 |
|
ManipalCigna Prime Senior Details |
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