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Manipal Cigna

Manipal Cigna

ProHealth Prime Senior Elite

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?

diseaseSublimit

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.

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ped

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.

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restoration

Unlimited Restoration Benefit

Even after you claim part of the cover on one occasion, you will be allowed to claim the full cover any number of times repeatedly if you are hospitalized in the future. All in the same year by the way!!!

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healthCheckup

Free Health Checkups every year

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.

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ayush

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.

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prePost

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 - 60 days before you are hospitalized and 90 days after discharge. This includes the cost of medication by the way.

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dayCare

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.

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domiciliary

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.

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What's bad here?

coPay

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.

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What's okay here?

roomRent

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.

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ncb

Special Bonus for being healthy

Your sum insured increases by 10% each year, even if you've claimed in the previous year. 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.

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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.

Any Room Upgrade

With this add-on, you can modify the room type from Single Private Room to any room.

Co-payment Modifier

With this add-on, you get the option to modify the co-payment from 20% to either 0%, 10% or 30%

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

Yes. ProHealth Prime Senior Elite imposes 3 kinds of waiting periods -
  • 30-Day Waiting Period: Hospitalizations won’t be covered for the first 30 days of the policy unless it’s an accident.
  • Specific Illness Waiting Period: There’s a 2-year waiting period for a list of diseases which is a mandate before you can start claiming.
  • Pre-Existing Disease Waiting Period: There's a 2-year waiting period for any pre-existing disease you may have while buying the policy.
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