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ManipalCigna Prime Senior Health Insurance

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ManipalCigna Health Insurance
Prime Senior Health Insurance Plan
Claim Settlement Ratio88.00%
Network Hospitals8,700+
Pre-existing Disease Coverage From2 years
Pre-existing Disease Waiting Period2 years
Special BenefitsUnlimited Restoration
Starting Premium (for 5L SI)Rs. 566/month

About ManipalCigna Prime Senior Health Insurance

As we age, staying healthy becomes a priority, especially for individuals above 60. Recognising this, Manipal Cigna, a trusted insurance provider in India, has designed a specialised solution i.e. the Manipal Cigna Prime Senior Health Insurance Plan. Crafted by experts at Manipal Cigna, this Health Insurance Plan is designed to ease the challenges that often come with aging.

The plan offers two variants, namely ‘Prime Senior Classic’ and ‘Prime Senior Elite,’ providing flexibility to cater to individual needs. It can be personalised as an individual, multi-individual, or family floater health insurance plan.

Moreover, the plan covers essential aspects such as in-patient hospitalisation, pre and post-hospitalisation expenses, road ambulance coverage, and more. This ensures comprehensive protection, allowing you to enjoy your golden phase with peace of mind.

Key Features of Manipal Cigna Prime Senior Health Insurance Plan

Listed below are the critical features of this health insurance plan by ManipalCigna:

  • Tax Benefits: Qualify for tax savings under section 80D of the Income Tax Act of 1961, making healthcare more financially manageable.
  • Plan Customisation: Customise your insurance coverage based on your specific needs, choosing from family, individual, or multi-individual plans.
  • Flexible Sum Insured: Enjoy the flexibility to select a sum insured ranging from Rs. 3 lakhs to Rs. 50 lakhs for the "Basic Plan" and Rs. 5 lakhs to Rs. 50 lakhs for the "Elite Plan."
  • Rider Options: Enhance your coverage by adding riders or add-ons such as Health 360 Shield and Health 360 OPD for additional benefits.
  • Room Category Flexibility: Experience the freedom to receive treatment in a room category beyond eligibility, with charges limited to the additional difference in room rent.

Optional Copayment: Choose the optional copayment feature to share a portion of medical expenses, offering a personalised approach to managing healthcare costs.

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 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 several 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.

Variants of ManipalCigna Prime Senior Health Insurance

The two different variants of this health insurance plan are:

Features

Prime Senior Classic

Prime Senior Elite

Sum Insured

Rs. 3 - 50 lakhs

Rs. 5- 50 lakhs

Pre-hospitalisation

Covered for 30 days Up to Sum Insured

Covered for 60 days Up to Sum Insured

Post-hospitalisation

Covered for 60 days Up to Sum Insured

Covered for 90 days Up to Sum Insured

Daily Cash for Shared Accommodation

Not Available

Per Hospitalisation: Rs.800/day, Maximum to Rs. 5600

Health Checkup

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

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%.

Restoration of the Sum Insured

Not Available

Unlimited times for related/unrelated illnesses

Air Ambulance Cover

Not Available

Covered Up to Sum Insured, subject to a maximum of Rs.10 lakhs

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:

Parameters

Eligibility Criteria

Minimum Entry Age

56 years

Maximum Entry Age

75 years

Minimum Entry Age for Family Floater Plans

Spouses less than 56 years old can be part of the policy

Renewability

Lifetime

Premium Payment Mode

Single, Half-yearly, Quarterly, Monthly

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

Riders Available with ManipalCigna Prime Senior Health Insurance

Following are the riders available with ManipalCigna Prime Senior Health Insurance:

  • Any Room Upgrade: With this add-on, you gain the flexibility to upgrade your hospital room to the type of your choice.
  • Reduction in PED Waiting Period: The plan has a waiting period for pre-existing diseases, but this add-on allows you to reduce that waiting time, providing quicker access to comprehensive coverage.
  • Unlimited 100% Restoration of Sum Insured: Opt for this add-on to restore your sum insured entirely after making the second health insurance claim. This will ensure continued protection.
  • Health 360 Shield: This add-on offers coverage for medical items not typically listed, providing financial support up to a maximum of Rs. 1 lakh.

Health 360 OPD: With this add-on, enjoy coverage for various outpatient expenses, including consultations and pharmacy costs, for a more comprehensive healthcare package.

Documents Required for ManipalCigna Prime Senior Health Insurance Plan

To buy the ManipalCigna Prime Senior Health Insurance plan, you must present the following documentation:

  • Application form
  • Aadhar card
  • Passport
  • Voter ID
  • Driving License
  • Birth Certificate
  • Provide passport-sized photos
  • Health check-up reports may be required in certain cases
  • If requested, submit any additional documents as specified by the insurance company

How to Buy ManipalCigna Prime Senior Health Insurance?

Step 1: Begin by visiting the InsuranceDekho website.

Step 2: Click "Health Insurance" in the "Insurance" section.

Step 3: Choose "ManipalCigna Health Insurance" from the list of Health Insurance Companies.

Step 4: Select the "Prime Senior Health Insurance" plan from the available options.

Step 5: Thoroughly review the policy document.

Step 6: Upload the necessary documents for verification.

Step 7: Complete the online payment for the medical insurance premium.

Step 8: You will receive the policy document successfully via email.

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 settlements:

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 before 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 the 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

Health Insurance Calculator

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8674 ManipalCigna Cashless Network Hospitals in India

Claim Process at ManipalCigna Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 48 hours and for planned hospitalisation intimate within 3 days prior to admission.
  • 3

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 4

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 48 hours and for planned hospitalisation intimate within 3 days prior to admission.
  • 3

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 4

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.

FAQs on Prime Senior Health Insurance Plan Health Insurance Plan

  • What are the two plan types available with the Manipal Cigna Prime Senior Health Insurance Plan?

    There are two plan types available the Manipal Cigna Prime Senior Health Insurance Plan Basic Plan and Elite Plan.

  • What is the minimum entry age for buying the Manipal Cigna Prime Senior Health Insurance Plan?

    The minimum entry age for the Manipal Cigna Prime Senior Health Insurance Plan is 56 years.

  • What is the waiting period for pre-existing diseases in the Manipal Cigna Prime Senior Health Insurance Plan?

    There is a waiting period of 24 months for pre-existing diseases when you buy the Manipal Cigna Prime Senior Health Insurance Plan.

  • What is the premium payment mode for the Manipal Cigna Prime Senior Health Insurance Plan?

    The premium payment mode for the Manipal Cigna Prime Senior Health Insurance Plan can be done on a Single, Half-yearly, Quarterly, or Monthly basis.

  • How many network hospitals are in tie-up with Manipal Cigna?

    Manipal Cigna has a tie-up with over 8,500 network hospitals.

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