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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ManipalCigna Health Insurance for Senior Citizens

All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
*Tax benefit is subject to changes in tax laws. Standard T&C Apply

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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)

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    ManipalCigna ProHealth Preferred Insurance Plan

    15 lakh to 50 lakh

    20% (For people aged 65 years and above)

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    ManipalCigna ProHealth Premier Insurance Plan

    1 crore

    20% (For people aged 65 years and above)

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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:

    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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