Manipal Cigna Prime Senior Plan: Health Plan For Seniors

Manipal Cigna Prime Senior, Health Insurance Plan For Senior Citizens

For seniors aged 60 and older, Manipal Cigna's health insurance plan offers comprehensive coverage. ManipalCigna Health Insurance Company Limited's ProHealth insurance plan protects senior citizens against a variety of medical expenses and is available in five plan variants - Protect, Plus, Preferred, Premier, and Accumulate.

Features Under Manipal Cigna Prime Senior Plan

Inpatient, outpatient, and pre-hospitalization care - The Classic Plan covers you for 30 days before, 60 days after, and 90 days after in-patient hospitalization. The Elite Plan covers you for 60 days before, and 90 days after hospitalization.
Accommodations - They will provide you with a single private room with air conditioning and an ICU room up to the sum insured. You can upgrade your room category to 'Any Room' as you see fit.
Cash in the hospital every day - You will receive a daily hospital allowance of Rs.800, with a maximum allowance of Rs.6,000 daily.
Ambulance service by air - Air Ambulance coverage up to Rs.10L is available to Elite plan members.
Better Treatment Access - As long as the Sum Insured is reached, this plan covers modern & advanced treatments/for mental illness, HIV/AIDS & STDs.
Tenure and payment options - Select a policy tenure of 1, 2, or 3 years and pay a single premium every year or in half-yearly, quarterly, or monthly installments.
Expenses associated with road ambulances and donors - Up to the Sum Insured, ambulance and donor expenses are covered.

Inclusions Under Manipal Cigna Prime Senior Plan

Upgrades to any room- Choosing any room type, suite or above, at Prime Senior gives you complete peace of mind.
The same illness can be restored unlimited times - Whenever you are short of coverage, the Prime Senior coverage will restore 100% of your Sum Insured at any time. Injuries and illnesses related to one another are also included. Starting with the second claim.
Coverage of donor expenses enhanced - As a result, not only hospitalization but also pre- and post-transplant screenings and complications are now covered for organ donors
Checkups with a flexible schedule - Various Network Providers offer preventive health checks. Don't take your health for granted anymore.
A cumulative bonus of up to 10% of the insured amount is available - The cumulative bonus of up to 100% of the insured sum may be as high as 10% of the insured sum
Teleconsultation without limit -Our network providers, including specialists, are available through phone or chat
Management of premiums - With the premium management option, you can manage your premiums and avail yourself of an inclusive and affordable plan. As a result, the room category will be limited to 3000 per day.
Waiting period for PEDs reduced - There is no need to wait for long periods of time with this option. The waiting period for pre-existing conditions has been shortened to 90 days now.

Exclusions Under Manipal Cigna Prime Senior Plan

Injury caused by a breach of the law
Suicide attempt
Treatment for dental problems
Addiction treatment for drug abuse or alcoholism
Surgery for cosmetic reasons
Treatment that has not been proved

FAQ

Manipal Cigna Prime Senior Product: why should one buy it?

With ManipalCigna Prime Senior, senior citizens can live their golden years worry-free. This is a comprehensive product that provides a variety of benefits for senior citizens, including room category flexibility, hassle-free plan purchase, premium management flexibility, premium payment options, and more.

There are two variants of the plan - the classic plan, which is designed to ensure comprehensive coverage at an affordable price, and the elite plan, which enhances the benefits available in the classic plan with many added features. The product can be customized with optional covers.

Are there any coverages included?

There are four types of coverage available under this policy: Basic, Value Added, Optional, and Add-on/Rider. Additional premiums can be paid for the optional covers and the ManipalCigna Health 360 Add-on/rider.

Does this policy have an exit age?

This policy does not have an exit age.

What are the tax benefits?

Definitely. Under Sec 80 D of the Income Tax Act and any amendments thereto, the premiums paid under the Policy will be eligible for income tax benefits. The tax benefit can be taken separately for all the years if the policy term exceeds 1 year.

When getting admitted to the hospital, which room should you choose?

Our "Any room" category ensures you have full peace of mind by not imposing any extra charges. If you choose a higher category room than you are eligible for, you will be charged for the difference in room rent only. Dr. visits, nursing, etc., are not subject to proportionate deductions.

If you have multiple hospitalizations and claims in a year, what can you do?

When you are short of coverage during a policy year, Prime Senior will restore 100% of the Sum Insured after the first claim. Illnesses and accidents, whether related or unrelated, can cause this.

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