What is Health Insurance?
Insurance coverage that pays for medical and surgical expenses that are incurred by the insured person during the treatment of a disease or injury. Health insurance can either reimburse the insured for expenses incurred from illness or injury or pay the care provider directly.
Can I buy ManipalCigna Prime Senior Online?
You can buy ManipalCigna Prime Senior Online by visiting our website www.manipalcigna.com.
What coverages does one get?
Under this policy, coverages are divided into Basic, Value added, Optional and Add-on/Rider.
The optional covers and ManipalCigna Health 360 Add-on/rider can be opted by paying additional premium.
Is there any exit age in this policy?
No, there is no exit age in this policy.
Is there any tax Benefit?
Yes. Premium paid under the Policy shall be eligible for income tax benefit under Sec 80 D of the Income Tax Act and any amendments thereon. If Policy Term is more than 1 year then tax benefit can be taken for all the years separately as applicable.
Why should one buy ManipalCigna Prime Senior Product?
ManipalCigna Prime Senior is designed specifically for the senior citizens to help this segment live golden years of their life worry-free. It is a comprehensive product that is designed to address various challenges of senior citizens such as room category flexibility, hassle-free purchase of plan, flexibility in terms of premium management, premium paying options and so on.
The plan has 2 variants – classic plan to ensure inclusive cum affordable coverage and elite plan which is a superior plan that enhances the benefits available in Classic plan and also provides a host of added features
There are optional covers which makes the product highly customizable.
Are you wondering which room should you opt while getting admitted in the hospital?
We understand you and ensure you have complete peace of mind by allowing you to opt for “Any room” category without any extra deductions. Which means, when one opts for higher category room than eligible, you get charged for the additional difference pertaining to the difference in room rent only. No additional proportionate deductions on the doctor visits, nursing, etc.
What can you do if the entire Sum Insured gets exhausted in a year due to multiple hospitalizations and claims?
With Prime Senior we restore 100% of Sum Insured after 1st claim in a policy year, if at any point in time you are short of the coverage. This is possible in case of both related and unrelated illnesses and accidents.
What is the cumulative bonus percentage one can get?
In ManipalCigna Prime Senior, one can get cumulative bonus of 10% of Sum Insured maximum up to 100% of Sum Insured
How does this plan benefit in wellness?
This plan has the following wellness benefits –
Health Check-up: This plan has flexible health check-up benefit so that one does not have to take their health for granted
Domestic second opinion: When it comes to right treatment, a second opinion always helps in clarifying ambiguity especially when it comes to complex treatments. We provide domestic second opinion each of the list of 36 critical illnesses every policy year.
Tele-consultation: one can avail unlimited tele-consultation including with that of the specialists.