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

UIN: MCIHLIP23151V012223
Launch Date: 04-01-2023

Various Plans

ManipalCigna Prime Senior

is designed for better coverage, better control and better care.

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

3 Lacs

50 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)

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

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

5 Lacs

50 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

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.

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

5 Lacs - 50 Lacs

Sum Insured

₹ 5 Lacs

5 Lacs

50 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

Benefits

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

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

Add Ons and Options

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

Eligibility

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.

Other plans under Prime Senior

Prime Senior Classic

Sum insured

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

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
Optional Covers
Any Room Upgrade Upgrade to "Any Room" Not Applicable
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

Individual

Family

Family

Multi Individual

Multi Individual

Key Benefits

PHI Key Benefits
Cashless treatment at 7500+ hospitals

Option to choose any room category
Option to choose any room category

All Day Care treatments covered
All Day Care treatments covered

ManipalCigna Prime Senior

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.

You can buy ManipalCigna Prime Senior Online by visiting our website www.manipalcigna.com.

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.

No, there is no exit age in this policy.

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. 

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.

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.