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. Moreover, this senior citizen health insurance policy covers the cost of treating pre-existing diseases after a waiting period.

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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

      FAQs

      Policybazaar exclusive benefits
      • 30 minutes claim support*(In 120+ cities)
      • Relationship manager For every customer
      • 24*7 claims assistance In 30 mins. guaranteed*
      • Instant policy issuance No medical tests*
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      Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in

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      *We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30- minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881.

      *Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. Policybazaar does not provide any medical or surgical advice or diagnosis and is not responsible for your interactions / treatment by a medical practitioner/hospital. Please consult a registered medical practitioner for any medical or surgical advice. The Information that you obtain or receive from Policybazaar, and its employees, or otherwise on the Website is for informational purposes only. As per the Insurance guidelines, you are allowed to cancel the policy with-in 30 days from the date of Issuance of policy.This option is available incase of policies with a term of one year or more.

      *All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.

      **All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.

      *₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.

      *₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases

      *₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.

      *₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.

      *No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.

      *The values taken for effective cost calculation are indicative values and may change as per the selected plan.

      *Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.

      *Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.

      *The scope of coverage may vary from plan to plan.

      ~Source: Google Review Rating available on:- http://bit.ly/3J20bXZ

      ##On ground claim assistance is available in 114 cities

      Tax Benefits are subject to changes in tax laws. GST Exemption depends on fulfilment of qualification criteria and submission of relevant documents as required by the insurers. For more details on risk factors, terms and conditions, please read the sales brochure and applicable rules and regulation carefully before concluding a sale.

      STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.

      Policybazaar is a registered Composite Broker |Registration No. 742, Valid till 09/06/2024, License category- Composite Broker| Visitors are hereby informed that their information submitted on the website may be shared with insurers.

      Policybazaar Insurance Brokers Private Limited | CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana - 122001 Contact Us | Legal and Admin Policies

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