ManipalCigna Health Insurance Company Limited
ManipalCigna Prime Senior (Classic / Elite)
ManipalCigna's senior-citizen-specialized plan
UIN MCIHLIP24028V012324We don't sell this — we'll still recommend if it fits
The dealbreaker fields
Max cover
₹50 lakh
Claim settlement (CSR)
97.5%
PED waiting
48 months
Specific disease wait
24 months
Mandatory co-pay
0%
Room rent prop. ded.
No
Pre / post hosp.
60 / 180 days
Network hospitals
8,500+
Free look
30 days
What this plan does well
- SENIOR-FOCUSED (56-75 entry)
- NO PROPORTIONATE DEDUCTION on higher room category — DEALBREAKER ADVANTAGE
- NO MANDATORY PRE-POLICY MEDICAL CHECKUP — DEALBREAKER for seniors
- OPTIONAL PED Waiting reduced to 90 DAYS ONLY — DEALBREAKER for senior buyers with PED
- Coverage from 91st Day (with optional cover)
- Modern Treatments / Mental Illness / HIV-AIDS / STD — NO SUB-LIMITS — DEALBREAKER ADVANTAGE
- UNLIMITED Tele-Consultation (phone/chat) — built-in
- Unlimited 100% Restoration (Classic Plan optional)
Watch out for
- Senior segment only (entry 56+) — not for general buyers
- Family Floater limited to 2 adults (Husband + Wife only)
- Default PED waiting 48 months (vs Niva Bupa Senior First 24 months) without optional reduction
- Air Ambulance only in Elite variant
- Daily Cash only in Elite variant
- Domestic 2nd Opinion only in Elite variant
- Premium Waiver only in Elite variant
- Any Room Upgrade + Premium Management can't combine
Is this the right plan for you?
Run the 30-second cover calculator. We'll tell you whether this plan, or a different one, is the better fit.
Find my right cover →We don't directly sell this plan today. If our verdict says this is your best fit, we'll point you to a broker who does — and tell you our paired listed alternative so you can decide.