ManipalCigna Prime Senior Health Insurance Plan Health Insurance

There is no denying that individuals above 60 years or senior citizens are more prone to falling ill. Manipal Cigna, a leading insurance provider in India to meet customers' health insurance needs, launched the Manipal Cigna Prime Senior Health Insurance Plan. Read on to know all about Manipal Cigna Prime Senior Health Insurance Plan.

About Manipal Cigna Prime Senior Health Insurance Plan

To make the golden phase of your life stress-free, the experts of Manipal Cigna introduced the Manipal Cigna Prime Senior Health Insurance Plan. The Manipal Cigna Prime Senior Health Insurance Plan is available in ‘Prime Senior Classic’ and ‘Prime Senior Elite’. Moreover, this plan can be customised as individual, multi-individual, or family floater health insurance plans. Some of the coverage of Manipal Cigna Prime Senior Health Insurance Plan include in-patient hospitalisation, pre and post hospitalisation, road ambulance cover, and more.

Key Features of Manipal Cigna Prime Senior Health Insurance Plan

Benefits of Manipal Cigna Prime Senior Health Insurance Plan

The Manipal Cigna Prime Senior Health Insurance Plan offers a bunch of benefits such as those listed below:

• Cumulative Bonus: There is a guaranteed cumulative bonus benefit of up to 200% of the Sum Insured with the Manipal Cigna Prime Senior Health Insurance Plan.
• Network Hospitals: There are over 8,500 network hospitals that are tied up with Manipal Cigna. The extensive number of network hospitals makes it easier for policyholders to locate a nearby network hospital.
• Tax Saving: You can also enjoy tax savings on the Manipal Cigna Prime Senior Health Insurance Plan as per the section 80D of the Income Tax Act of 1961.
• Plan Options: You can customise the Manipal Cigna Prime Senior Health Insurance Plan as a family, individual or multi-individual plan depending on your needs.
• Flexible Sum Insured Option: For the ‘basic plan’ you can choose a sum insured ranging from Rs. 3 lakhs to Rs. 50 lakhs. On the other hand, for the ‘Elite plan’, you can choose the sum insured between Rs. 5 lakhs to Rs. 50 lakhs.
• Rider Options: You can include a number of riders or add-ons to the Manipal Cigna Prime Senior Health Insurance Plan such as Health 360 Shield, Health 360 OPD, etc, to get even more benefits.

Eligibility Criteria of Manipal Cigna Prime Senior Health Insurance Plan

Listed below are the eligibility criteria for buying the Manipal Cigna Prime Senior Health Insurance Plan:

Inclusions and Exclusions of Manipal Cigna Prime Senior Health Insurance Plan

Some of the inclusions and exclusions of the Manipal Cigna Prime Senior Health Insurance Plan are as follows:

Inclusions:

• Day care treatment
• Domiciliary treatment
• Cover for AYUSH treatment
• Pre and post hospitalisation cover
• Road ambulance cover
• Annual health check-ups from 1st year onwards in the Elite variant and once after every claim-free year in the Classic variant
• Cover for in-patient hospitalisation
• Cover for air and road ambulance

Exclusions:

• Any injury caused due to breaching of law
• Any injury due to involvement in adventurous activities
• Any injury due to war or foreign invasion
• Any contamination from nuclear radiation

Add-ons Available with Manipal Cigna Prime Senior Health Insurance Plan

To enhance the coverage and benefits of the Manipal Cigna Prime Senior Health Insurance Plan even more, there are different types of add-ons that you can include such as the following:

• Any Room Upgrade: With this add-on, you can upgrade your room to any desired type with the Manipal Cigna Prime Senior Health Insurance Plan.
• Reduction in PED Waiting Period: There is a specific waiting period clause attached to the Manipal Cigna Prime Senior Health Insurance Plan, however with this add-on, this waiting period can be reduced.
• Unlimited 100% restoration of Sum Insured: With this add-on, you can restore the sum insured after you have raised the 2nd health insurance claim.
• Health 360 Shield: It provides coverage for non-listed medical items up to a maximum of Rs. 1 lakh.
• Health 360 OPD: This provides coverage for consultation, pharmacy, and others.

Claim Process of Manipal Cigna Prime Senior Health Insurance Plan

There are two types of claims that you can raise with Manipal Cigna such as reimbursement and cashless claim:

Reimbursement Claim:

• First, download the claim form and fill it in with all the relevant details
• Next, submit the documents at your nearest Manipal Cigna branch office
• Then, once the claim request has been approved by Manipal Cigna, you will get the reimbursed amount based on your medical expenses

Cashless Claim

• In case of planned hospitalisation, inform the insurance company 48 hours prior to hospitalisation and for emergency hospitalisation, you need to inform the company within 24 hours
• Submit the pre-authorisation form and your medical records to the insurer
• An initial claim request will be given by the insurer, after which the treatment can get started
• During the discharge from hospital, the TPA will submit the hospital bills to the insurer
• Then, the TPA will finally assess the claim request and gives approval regarding the same, and settle all the bills directly at the hospital