Manipalcigna Prime Senior Classic Plan
vs
Shri Health Suraksha Plan
- 100+ top health insurance plans
- Premium starting @Rs. 19/day*
- No medical check-ups required
| PLAN DETAILS |
 Manipalcigna Prime Senior Classic Plan |
 Shri Health Suraksha Plan |
| Premium Including GST | ||
| 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 | Not 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 | Not 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) |
8500 | 13000 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Covered | Not Covered |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
Covered | Not Covered |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Covered | Covered |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Not Covered | Not Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Not Covered | Not Covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Covered | Not Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Not Covered | Not Available |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Covered | Not Available |
| Plan Entry Age | 56 to 75 years | NA |
| Plan Premium Entry Age and S/A | NA | NA |
| Plan Waiting Period | 30 | 30 |
| Plan Coverage | Individual/Family floater/Multi-individual | Individual and Family floater |
| Plan Sample Premium | NA | NA |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1/2/3 Years | 1 Year |
| ICU Charges | Covered | Covered |
| Covid-19 Treatment | Covered | Covered |
| Cataract | Covered | Covered |
| Automatic Restoration | Not Covered | Not Available |
| Ayush Treatment | Covered | Covered |
| Modern Treatment | Covered | Covered |
| E Consultation | Covered | Not Covered |
| Air Ambulance | Covered | Not Covered |
| Global Coverage | Not Covered | Not Covered |
| Claim Ratio | 99.96 | 86.86 |
| Solvency Ratio | 1.5 | 4.91% |
We all know that senior citizens are prone to developing more diseases that can continue until their last breath if not treated well. In such scenarios, providing them with 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 Health Insurance has curated the Prime Senior plan which is an insurance product for senior citizens that offers 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. Suppose a policyholder undergoes treatment for any of the listed critical illnesses or is suffering from a condition leading to his/her death. In that case, 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.
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