Prime Senior Elite vs Senior Citizen Plan Health Insurance Plan
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Prime Senior Elite vs Senior Citizen Plan Health Insurance Plan 2024

Prime Senior Elite Plan and Senior Citizen Plan 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 Senior Elite Plan are 14000+ Number Of Network Hospitals whereas Senior Citizen Plan 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 Senior Elite

 Star Health And Allied Insurance Company Limited

Senior Citizen Plan

Premium Including GST
Sum Assured 5L, 7.5 L, 10L, 15L, 20L, 25L & 50L 3L, 4L, 5L, 7.5L, 10L, 15L, 20L & 25L
Product Type Individual/Multi-individual and Family Floater Reimbursement Hospitalization and Cashless
Key Features
(Key features of the plan)
Modern and Advanced Treatments/HIV/ AIDS & STD / Mental Illness Cover are covered upto SI
Unlimited Restoration of Sum Insured for unrelated/ related illnesses
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
Waives off next one year renewal Policy Premium upon occurrence of Accidental Death or diagnosis of any of the listed Critical Illnesses
Reduction in PED Waiting period to 90 Days (Optional)
No Pre medical test required
Pre Existing disease coverd after 12 month
Renewal gauranteed for lifetime
OPD Details
(In some policies, OPD (Out patient department) expenses are also covered.)
Not Available Rs 200 per consultation upto Rs 1400
EMI Option yes no
Pre-acceptance Medical Check Up
(Whether a pre-acceptance check up is required or not to buy the policy)
Not required no
Room Rent
(A limit of room rent cover during hospitalization if any)
Single Private AC room Upto Rs 6000
Domicillary Hospitalization
(It is the expenses incurred on treatment of the patient at home)
Up to Rs 10L Not Applicable
Pre-hospitalization
(Expenses before the insured is hospitalized)
60 Days Pre hospitalization medical expenses incurred for a period not exceeding 30 days prior to the date of hospitalisation as per the policy
Post-hospitalization
(Expenses after discharge from the hospital)
90 Days Post-Hosp. - 7% of the hospitalization expenses comprising of Nursing Charges, Surgeon / Consultant fees, Diagnostic charges,Medicines and drugs expenses, subject to a max of Rs.7000/- per occurrence
Non-allopathic
(Expenses incurred on non-allopathic treatment)
Upto Rs. 10L Not Covered
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 10L & All Day Care Treatment Covered
Hospital_network
(Number of Hospital Network in city)
Organ Donor Expenses
(Expenses incurred on organ donor in case of organ transplants)
Upto Rs. 10L Not Applicable
Hospital Daily Allowance
(Some plans offer daily allowance to take care of expenses like food, etc)
INR 800 per day up to maximum of INR 5600 per hospitalization (On Shared Accomodation) Not Applicable
Pre-existing Coverage
(If the insured is having some existing diseases, that would be covered after particular time period)
Covers after 24 Months After 1 year
Cumulative Bonus
(The amount by which your sum assured gets increased, if there is no claim.)
Guaranteed Bonus of Rs 1L Or max Upto Rs 10L Not Applicable
Restoration Details
(Increase of Sum Insured for non-related illness if the original sum insured is exhausted)
Unlimited Restoration of Sum Insured for unrelated/ related illnesses Not Applicable
Ambulance Charges
(Expenses incurred on ambulance charges)
Upto Rs. 10L Rs 1000/- per hospitalization up to max of 2000/- ppp
Worldwide Emergency
(The emergency medical assistance and cover against medical expenses while the customer is abroad)
Not Available Not Applicable
Maternity Benefits
(All Hospitalization cost covered at the time of pregnancy.)
Not Available Not Covered
New Born Baby Covered
(Newborn babies can be covered under the insurance plan after a certain period)
Not Available No
Health Checkup
(An added benefit of one time full health checkup of policy holder.)
Annually from 1st year onwards. Limits basis opted Sum Insured Rs 2000/- per person
Non-allopathic Details
(Expenses incurred on non-allopathic treatment)
no no
Vaccination
(Cover againts any medical expenses occurred in Vaccinations for certain diseases)
Not Available Not Applicable
Animal Bite
(Cover againts any medical expenses occurred due to any Animal Bite)
Not Available Not Applicable
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)
You pay 20% of claim 30% For any Claims

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Naval Goel

Reviewed By: Naval Goel

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.