Manipal Cigna
ProHealth Prime Senior Classic
Manipal Cigna Prime Senior is a plan that’s only available for individuals aged between 56 and 75. On paper, it has many restrictions including restrictions on the kind of room you can pick (only a single private AC room), a co-payment clause where you’re expected to pay 20% of the bill and limited pre/post-hospitalization care. The upside is that if you’re a senior citizen and you have few options available, this could be a decent plan to consider since it has limited waiting periods for pre-existing diseases, add-ons to upgrade your room and remove that pesky co-payment clause.
What's good here?
You always have full cover irrespective of the disease
No funny business here. If your insurer hasn’t explicitly stated they won’t cover a certain illness, you can claim the full amount up to the sum insured, irrespective of the disease you’re dealing with. Meaning this policy doesn't impose the dreaded disease wise sub-limits.
No funny business here. If your insurer hasn’t explicitly stated they won’t cover a certain illness, you can claim the full amount up to the sum insured, irrespective of the disease you’re dealing with. Meaning this policy doesn't impose the dreaded disease wise sub-limits.
Short waiting period for Pre Existing Diseases
If you’re already dealing with diabetes, cardiovascular problems or any such illnesses, the insurer will cover all costs arising out of these pre-existing problems after just 2 years. It’s probably the best deal you can get to be honest.
Day Care treatments covered
If you’re hospitalized for less than 24 hours in lieu of a minor procedure, then the insurer will cover these costs too. Think dialysis, chemotherapy or minor surgeries.
Full coverage even if you are forced to hospitalize at home
The insurer will bear the costs even if you are hospitalized at home due to a condition or the hospital running out of beds. In insurance lingo, they call this a policy with domiciliary cover.
Pre & Post hospitalization expenses covered
No worries if the doctor had to run a host of diagnostic tests before or after hospitalizing you. The insurer has your back. They will cover this amount in full for a pretty reasonable duration - 30 days before you are hospitalized and 60 days after discharge. This includes the cost of medication by the way.
Free Health Checkups
If you’re planning on getting a full body checkup every year just to make sure you’re in fine working condition, the insurer will cover the costs for each claim year after renewal.
Covers Alternative Medicine
Think of getting Ayurvedic, Homeopathic or other alternative treatments to cure an illness? Your insurer will cover you fully, up to the sum insured.
What's bad here?
You will have to pay a portion of the bill
The policy will only cover 80% of the final bill. The rest is on you. They call this a co-payment.
The policy will only cover 80% of the final bill. The rest is on you. They call this a co-payment.
What's okay here?
You can pick a Single Private room but nothing fancy
You can share a room or you could have a single room for yourself. But if you are looking for anything slightly fancy, be ready to foot a part of the bill.
Special Bonus for being healthy and not claiming insurance
Your sum insured increases by 10% each year, so long as you make no claims during this period. But before you get too ahead of yourself, do note that they’ll stop offering you the bonus when your sum insured increases by 100%. But hey, it's still a bonus.
Add-ons
Health 360 Shield
With this add-on, you also get extended coverage for generally excluded items like syringes, gloves, PPE kits etc. max upto 1L.
Automatic Restoration
With this add-on, you get to claim the full cover any number of times repeatedly if you are hospitalized for same or different complications, in a policy year.
Premium Management
With this add-on, you can modify the room type from Single Private Room to ₹3,000/day and reduce the premiums to be paid.
Co-payment Modifier
With this add-on, you get the option to modify the co-payment from 20% to either 0%, 10% or 30%
Any Room Upgrade
With this add-on, you can modify the room type from Single Private Room to any room.
Reduction in PED
This optional cover reduces the applicable pre-existing waiting period from 24 months to 90 days. If you are currently diagnosed with any condition and want to reduce the waiting period, it makes sense to opt for this add-on.
Frequently Asked Questions
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