Parents and elders took care of children in their most sensitive ages and phases of life. It is time to gift them the better Healthcare experience. Presenting ManipalCigna Prime Senior, a comprehensive Health Insurance plan which offers innovative features specially designed for Senior Citizens.
Sum Insured: ₹ 3 Lacs - ₹ 50 Lacs
Parents and elders took care of children in their most sensitive ages and phases of life. It is time to gift them the better Healthcare experience. Presenting ManipalCigna Prime Senior, a comprehensive Health Insurance plan which offers innovative features specially designed for Senior Citizens.
Best suited for

Individual

Family

Multi Individual
Key Benefits
Coverage from 91st day onwards for Pre-existing diseases
Allows to choose 'Any Room' category, whether suite or above
Restores your Sum insured unlimited times in case you are short of coverage for related/unrelated illnesses/injuries
Launch Date: 04-01-2023
Various Plans
ManipalCigna Prime Senior
is designed for better coverage, better control and better care.Sum insured (SI)
3Lacs - ₹ 50Lacs
Base premium
18,983*/annum
Coverage for Modern and Advanced Treatments
Allows you to choose ‘Any Room’ category, whether suite or above
Cumulative Bonus at 10% of Sum Insured for every claim free year
Cashless flexible Health Check-up
Sum insured (SI)
5Lacs - ₹ 50Lacs
Base premium
20,959*/annum
Unlimited restoration of Sum Insured even for same illnesses and injuries
Allows you to choose ‘Any Room’ category, whether suite or above
Guaranteed Cumulative Bonus at 10% of Sum Insured
Cashless flexible Health Check-up from 1st year onwards
Prime Senior Classic
An all-inclusive plan suitable for those customers and their families, looking for value for money proposition to take care of the growing medical costs.

Ped Waiting Period
24 months (Option to reduce it to 90 days)
Sum Insured
3Lacs - 50 Lacs
Sum Insured
₹ 5 Lacs
PREMIUM PER ANNUM
22,394* inclusive of taxes
*The Premium value is indicative for the below mentioned profile Age – 60, Zone – 1, Cover type – Individual (1Adult) , Tenure- 1 year, Premium payment mode- Single

Choice of Sum Insured from ₹ 3 Lacs to ₹ 50 Lacs

Coverage for Modern and Advanced Treatments/HIV/AIDs and STD/Mental Illness cover

10% of Sum Insured as cumulative bonus every claim free year maximum up to 100% (Bonus will not reduce in case of claim)

Choice to avail 'Any Room' category, whether suite or above

Flexible Health Check-up after every claim free year

Unlimited Tele-consultation including specialists
Customizable option to enhance the coverage by opting for optional covers
What’s covered
- Hospitalization expenses with an option to take treatment in 'Any Room'
- Pre & Post Hospitalization expenses of 30 and 60 days respectively
- Domiciliary Hospitalization up to Sum Insured
- Road Ambulance up to Sum Insured
- Enhanced coverage for Donor expenses up to Sum Insured
- AYUSH treatment up to Sum Insured
- Flexible Health Check-up after every claim free year
- Unlimited Tele-consultation including specialists
- Cumulative Bonus of 10% of Sum Insured every claim free year, maximum up to 100% of Sum Insured (Bonus will not reduce in case of claim)
- Mandatory Co-Payment – 20% per claim. Options available to modify the same to 0%, 10% or 30%.
What’s not covered
- Breach of law
- Contamination from nuclear fuel or radiation
- Hazardous or adventure sports
- Foreign invasion or civil war
Above List is only indicative and not exhaustive. For complete details on Eligibility, Coverages, Benefits, Terms, Condition and Exclusions please refer Policy Wordings and Prospectus

Any Room Upgrade
Upgrade to ‘Any Room’ category, whether suite or above

Premium Management
Room accommodation limit of ₹ 3000 per day
ICU: Up to Sum Insured
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Restoration of Sum Insured
Unlimited Restoration of Sum Insured for related / unrelated illnesses

Reduction in PED waiting period
PED waiting period will be reduced to 90 days
Riders
ManipalCigna Health 360
Shield – Coverage for listed non-medical expenses and durable medical equipment max up to ₹ 1 Lac
OPD – Now avail the power of cashless OPD rider with 3 flexible package options
Package 1 – Coverage for only consultation
Package 2 – Coverage for consultation and prescribed diagnostics
Package 3 – Coverage for consultation with prescribed diagnostics and pharmacy

Min Entry Age
Adult - 56 years

Cover Type
Individual/Multi-individual and family floater

Max Entry Age
Adult - 75 Years

Policy Period
1, 2 and 3 years (Discount of 7.5% for 2 years and 10 % for 3 years policy term with single premium payment mode)

Premium Payment Mode
Single, Half yearly, Quarterly, Monthly.
Prime Senior Elite
An innovative plan exclusively designed for senior citizens looking for a comprehensive Health insurance to safeguard against the growing medical costs.

Ped Waiting Period
24 months (Option to reduce it to 90 days)
Sum Insured
5Lacs - 50 Lacs
Sum Insured
₹ 5 Lacs
PREMIUM PER ANNUM
24,732* inclusive of taxes
*The Premium value is indicative for the below mentioned profile Age – 60, Zone – 1, Cover type – Individual (1Adult) , Tenure- 1 year, Premium payment mode- Single

Choice of Sum Insured from ₹ 5 Lacs to ₹ 50 Lacs

Coverage for Modern and Advanced Treatments/HIV/AIDs and STD/Mental Illness cover

10% of Guaranteed cumulative bonus every year maximum up to 100%

Choice to avail 'Any Room' category, whether suite or above

Flexible Health Check-up from 1st year onwards

Coverage for Air Ambulance, over and above base Sum Insured ; subject to a max of ₹ 10 Lacs
Customizable option to enhance the coverage by opting for optional covers
What’s covered
- Hospitalization expenses with an option to take treatment in 'Any Room'
- Pre & Post Hospitalization expenses of 60 and 90 days respectively
- Domiciliary Hospitalization up to Sum Insured
- Road Ambulance up to Sum Insured
- Unlimited Restoration of Sum Insured even for same illnesses
- Enhanced coverage for Donor expenses up to Sum Insured
- AYUSH treatment up to Sum Insured
- Air Ambulance cover up to Sum Insured, subject to a max of ₹ 10Lacs
- Flexible Health Check-up once from first year onwards
- Unlimited Tele-consultation including specialists
- Guaranteed Cumulative Bonus of 10% of Sum Insured every year, maximum up to 100% of Sum Insured
- Mandatory Co-Payment – 20% per claim. Options available to modify the same to 0%, 10% or 30%.
What’s not covered
- Breach of law
- Contamination from nuclear fuel or radiation
- Hazardous or adventure sports
- Foreign invasion or civil war
Above List is only indicative and not exhaustive. For complete details on Eligibility, Coverages, Benefits, Terms, Condition and Exclusions please refer Policy Wordings and Prospectus

Any Room Upgrade
Upgrade to ‘Any Room’ category, whether suite or above

Reduction in PED waiting period
PED waiting period will be reduced to 90 days
Riders
ManipalCigna Health 360
Shield – Coverage for listed non-medical expenses and durable medical equipment max up to ₹ 1 Lac
OPD – Now avail the power of cashless OPD rider with 3 flexible package options
Package 1 – Coverage for only consultation
Package 2 – Coverage for consultation and prescribed diagnostics
Package 3 – Coverage for consultation with prescribed diagnostics and pharmacy

Min Entry Age
Adult - 56 years

Cover Type
Individual/Multi-individual and family floater

Max Entry Age
Adult - 75 Years

Policy Period
1, 2 and 3 years (Discount of 7.5% for 2 years and 10 % for 3 years policy term with single premium payment mode)

Premium Payment Mode
Single, Half yearly, Quarterly, Monthly.

With Non medical expenses now covered get no surprises in your hospitalization bills and receive 100% of claim.
Switch off your cover when you won't be needing it, like while abroad, for a month & get a discount on the next premium.
No cap on room limit be it a Single AC room, suite or even above.
Unlimited Restoration of Sum Insured for Related and Unrelated illnesses.
Active Plan specifically made for people with pre-existing conditions like asthma, diabetes, hypertension, dyslipidemia, & obesity.
Plan Comparison
PLAN NAME | Prime Senior - Classic | Prime Senior - Elite | |
---|---|---|---|
Sum Insured | 3 Lacs - ₹ 50 Lacs | 5 Lacs- ₹ 50 Lacs | |
Room Accommodation | Single Private AC Room ICU: Up to SI |
Single Private AC Room ICU: Up to SI |
|
Pre - Hospitalization | 30 days; Up to SI | 60 days; Up to SI | |
Post - Hospitalization | 60 days; Up to SI | 90 days; Up to SI | |
Day Care Treatment | Up to SI | Up to SI | |
Domiciliary Hospitalization | Up to SI | Up to SI | |
Road Ambulance | Up to SI | Up to SI | |
Donor Expenses | Up to SI | Up to SI | |
Restoration of Sum Insured | Not Available | Unlimited times for related/unrelated illnesses | |
AYUSH Treatment (In-patient Hospitalization) | Up to SI | Up to SI | |
Air Ambulance Cover | Not Available | Up to SI, subject to a maximum of ₹ 10Lacs | |
Daily Cash for Shared Accommodation | Not Available | Per Hospitalization: ₹ 800 per day max ₹ 5600 |
|
Health Check Up | After every claim free year (Available from 2nd year onwards). | Once in a policy year (Available from 1st year onwards) | |
Domestic Second Opinion | Not Available | Available for 36 listed Critical Illnesses | |
Tele- Consultation | Unlimited | Unlimited | |
Cumulative Bonus | 10% of SI for every claim free year maximum up to 100% (Bonus will not reduce in case of claim) | Guaranteed: 10% of SI for every year maximum up to 100% | |
Premium Waiver benefit | Not Available | Waives off next one year renewal policy premium upon occurrence of any of the listed contingencies | |
Mandatory Co-Payment | 20% per claim. Options available to modify the same to 0%, 10% or 30%. | 20% per claim. Options available to modify the same to 0%, 10% or 30%. | |
Optional Covers | |||
ANY ROOM UPGRADE | Upgrade to "Any Room" | Upgrade to "Any Room" | |
PREMIUM MANAGEMENT | Room Accommodation limit option: 3000 per day ICU Limit: Up to SI | Not Available | |
RESTORATION OF SUM INSURED | Unlimited times for related/unrelated illnesses | Not Available | |
REDUCTION IN PED WAITING PERIOD | Reduce the PED waiting period to 90 Days | Reduce the PED waiting period to 90 Days | |
ELIGIBILITY | |||
PED WAITING PERIOD | 24 Months | 24 Months | |
POLICY TYPE | Individual, Multi individual and Family Floater (2A- Self and Spouse) | Individual, Multi individual and Family Floater (2A- Self and Spouse) |
Got Questions?
What are the details to be provided at the time of intimation of claim?
The following details are to be provided to the company’s at the tine of intimation of Claim: Policy number, Name of policy, Name of the insured person in whose relation the Claim is being lodged. Nature of illness / injury. Name and address of the attending Medical Practitioner and hospital. Date of Admission and any other information as requested by Us.
Other product with Hospitalisation Cover
Sum Insured upto ₹ 1 Lac - ₹ 30 Lacs
The added boost that keeps you covered above and beyond your health plan.
Best suited for

Individual

Family

Multi Individual
Key Benefits



ManipalCigna Prime Senior
Q.1) 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.
Q.2) Can I buy ManipalCigna Prime Senior Online?
You can buy ManipalCigna Prime Senior Online by visiting our website www.manipalcigna.com.
Q.3) 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.
Q.4) Is there any exit age in this policy?
No, there is no exit age in this policy.
Q.5) 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.
Q.6) 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.
Q.7) 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.