ManipalCigna Health Insurance for Senior Citizens

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      ManipalCigna Health Insurance for Senior Citizens

      ManipalCigna Health Insurance for senior citizens provides comprehensive coverage to elderly people aged 60 years and above. The ProHealth insurance plan by ManipalCigna Health Insurance Company Limited covers senior citizens against an array of medical expenses and is available in five plan variants – Protect, Plus, Preferred, Premier and Accumulate.

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      Key Benefits of ManipalCigna Health Insurance for Senior Citizens

      The following key benefits are provided under ManipalCigna Health Insurance for senior citizens:

      • Both individual and family floater cover available
      • Wide range of sum insured available from Rs 2.5 lakh to Rs 1 crore
      • Health check-up facility available
      • Cashless treatment for elderly parents available at more than 6500 network hospitals
      • Unlimited restoration of the sum insured up to 100%
      • Cumulative bonus up to 200% available
      • 10% & 25% family discount on covering 2 family members under Preferred/ Premier/ Accumulate and Protect/ Plus plans respectively
      • 5% % 10% long-term discount on opting for a 2-year or 3-year policy tenure respectively
      • 5% to 15% co-pay discount offered as per the plan variant
      • Tax saving benefits available under Sec 80D of the IT Act

      ManipalCigna Health Insurance Plans for Senior Citizens

      Check out the various plans offered by ManipalCigna Health Insurance Company Limited for senior citizens:

      Plan Name

      Sum Insured (Rs)

      Co-Payment

      ManipalCigna ProHealth Protect Insurance Plan

      2.5 lakh to 50 lakh

      20% (For people aged 65 years and above)

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      ManipalCigna ProHealth Plus Insurance Plan

      4.5 lakh to 50 lakh

      20% (For people aged 65 years and above)

      View Plan

      ManipalCigna ProHealth Preferred Insurance Plan

      15 lakh to 50 lakh

      20% (For people aged 65 years and above)

      View Plan

      ManipalCigna ProHealth Premier Insurance Plan

      1 crore

      20% (For people aged 65 years and above)

      View Plan

      ManipalCigna ProHealth Accumulate Insurance Plan

      5.5 lakh to 50 lakh

      20% (For people aged 65 years and above)

      View Plan

      Eligibility Criteria for ManipalCigna Health Insurance for Senior Citizens

      The following table shows the eligibility criteria for elderly parents to buy ManipalCigna Health Insurance plans for senior citizens:

      Categories

      Eligibility Criteria

      Minimum Entry Age

      18 years

      Maximum Entry Age

      No age limit

      Family Members Covered

      Self, spouse

      Renewability

      Lifetime

      Inclusions of ManipalCigna Health Insurance for Senior Citizens

      The following coverage is included under ManipalCigna Health Insurance for senior citizens:

      • In-patient Hospitalization Expenses
      • Ambulance Cover
      • Pre-hospitalization Expenses
      • Post-hospitalization Expenses
      • Day Care Treatment
      • Domiciliary Treatment
      • Donor Expenses
      • AYUSH Cover
      • Health Maintenance Benefit
      • Maternity Expenses (Excluded under Protect and Accumulate variants)
      • New Born Baby Expenses (Excluded under Protect and Accumulate variants)
      • First Year Vaccinations (Excluded under Protect and Accumulate variants)
      • Worldwide Emergency Cover
      • Second Opinion on Listed Critical Illnesses

      Optional Covers:

      • Hospital Daily Cash
      • Cumulative Bonus Booster
      • Reduction in Maternity Waiting Period
      • Deductible
      • Voluntary Co-payment
      • Waiver of Mandatory Co-payment
      • Critical Illness Cover

      Exclusions of ManipalCigna Health Insurance for Senior Citizens

      ManipalCigna Health Insurance for senior citizens excludes the following coverage:

      • Injuries due to breach of law
      • Attempt to suicide
      • Dental treatment
      • Treatment for drug abuse or alcohol addiction
      • Cosmetic surgery
      • Unproven treatment

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      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

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