ManipalCigna Health Insurance for Senior Citizens
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*Tax benefit is subject to changes in tax laws. Standard T&C Apply
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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.
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:
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Plan Name |
Sum Insured (Rs) |
Co-Payment |
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ManipalCigna ProHealth Protect Insurance Plan |
2.5 lakh to 50 lakh |
20% (For people aged 65 years and above) |
View Plan |
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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 |
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ManipalCigna ProHealth Preferred Insurance Plan |
15 lakh to 50 lakh |
20% (For people aged 65 years and above) |
View Plan |
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ManipalCigna ProHealth Premier Insurance Plan |
1 crore |
20% (For people aged 65 years and above) |
View Plan |
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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:
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Categories |
Eligibility Criteria |
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Minimum Entry Age |
18 years |
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Maximum Entry Age |
No age limit |
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Family Members Covered |
Self, spouse |
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Renewability |
Lifetime |
Choose Health Insurance Company for Senior Citizens
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
FAQs
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Q1. Are waiting periods applicable to ManipalCigna Health Insurance for senior citizens?
Ans: Yes, the following waiting periods apply to ManipalCigna ProHealth insurance plan:
- Pre-existing Diseases Waiting Period – 24/36/48 months depending on the plan
- Initial Waiting Period – 30 days
- Specific Ailments Waiting Period – 24 months
- Critical Illness Waiting Period – 90 days
- Maternity, New Born Baby & Vaccination Expenses Waiting Period – 48 months
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Q2. Can I get worldwide protection cover on a cashless basis under ManipalCigna Health Insurance for senior citizens?
Ans: No. You can avail worldwide protection cover under the MaipalCigna ProHealth insurance plan on a reimbursement basis in case you get sick outside India.
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Q3. Where can I check the premium chart of ManipalCigna Health Insurance for senior citizens?
Ans: You can check the premium chart of the ManipalCigna ProHealth insurance plan on the website of the insurance provider. You can also check the premium for the plan by using a health insurance premium calculator on Policybazaar.com
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