🌟 Classic • Elite

ManipalCigna ProHealth Prime Senior is a comprehensive health insurance plan specially designed for senior citizens aged 56 years and above. It offers extensive hospitalization coverage, flexible room options, unlimited teleconsultation, wellness benefits, and optional covers to reduce waiting periods and enhance protection. It is available in Classic and Elite variants.

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🛡️ Plan Variants

🟢 1. ProHealth Prime Senior Classic

Designed for senior citizens looking for comprehensive yet affordable health insurance.

✨ Key Features

🏥 Comprehensive Hospitalization Cover

🛏️ Single Private AC Room

🩺 Annual Health Check-up

📈 Cumulative Bonus

🚑 Road Ambulance

💊 Day Care Procedures

🌿 AYUSH Treatment

👨‍⚕️ Unlimited Teleconsultation

⚙️ Optional Any Room Upgrade

⚙️ Optional 90-Day PED Waiting Period Reduction

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🔷 2. ProHealth Prime Senior Elite

An enhanced plan offering premium benefits and greater flexibility.

✨ Additional Benefits

♾️ Unlimited Restoration for Related & Unrelated Illnesses

✈️ Air Ambulance Cover (Up to ₹10 Lakhs)

💰 Premium Waiver Benefit

🩺 Annual Health Check-up from the 1st Policy Year

🏥 Domestic Second Opinion for Listed Critical Illnesses

💵 Daily Hospital Cash (Shared Accommodation)

👨‍⚕️ Unlimited Teleconsultation

📈 Guaranteed Cumulative Bonus

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💰 Sum Insured Options

Classic

✅ ₹3 Lakhs

✅ ₹5 Lakhs

✅ ₹7.5 Lakhs

✅ ₹10 Lakhs

✅ ₹15 Lakhs

✅ ₹20 Lakhs

✅ ₹25 Lakhs

✅ ₹50 Lakhs

Elite

✅ ₹5 Lakhs

✅ ₹7.5 Lakhs

✅ ₹10 Lakhs

✅ ₹15 Lakhs

✅ ₹20 Lakhs

✅ ₹25 Lakhs

✅ ₹50 Lakhs

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👴 Eligibility

🎂 Entry Age: 56 to 75 Years

♻️ Lifelong Renewability

👨‍👩‍👧 Individual, Multi-Individual & Family Floater

💑 Family Floater available for Husband & Wife

Spouse below 56 years can also be included in the floater policy.

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👨‍👩‍👧 Who Can Be Covered?

👤 Self

💑 Spouse

👶 Children

👴 Parents

👵 Parents-in-law

👨‍👦 Grandparents

👧 Grandchildren

👨 Brother & Sister

👨‍👩‍👦 Other eligible family members as per policy terms

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🏥 Hospitalization Coverage

Eligible hospitalization expenses include:

🛏️ Room Accommodation

🏥 ICU Charges

👨‍⚕️ Doctor Fees

💉 Surgery Expenses

🩺 Nursing Charges

💊 Medicines

🧪 Diagnostic Tests

🩸 Blood & Oxygen

🦴 Medical Implants

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🚑 Pre & Post Hospitalization

🟢 Classic

📅 30 Days Pre-Hospitalization

📅 60 Days Post-Hospitalization

🔷 Elite

📅 60 Days Pre-Hospitalization

📅 90 Days Post-Hospitalization

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💉 Day Care Procedures

Coverage for eligible daycare treatments including:

👁️ Cataract Surgery

❤️ Angiography

🩸 Dialysis

🧬 Chemotherapy

☢️ Radiotherapy

🦴 Arthroscopy

👂 ENT Procedures

🏥 Minimally Invasive Surgeries

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🧬 Modern Treatments

Coverage includes:

🤖 Robotic Surgery

💉 Immunotherapy

🧬 Stem Cell Therapy (Specified Conditions)

🧠 Deep Brain Stimulation

🫁 Bronchial Thermoplasty

🌬️ Balloon Sinuplasty

🩺 Mental Illness Treatment

🦠 HIV/AIDS & STD Treatment

Covered as per policy terms.

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♻️ Restoration Benefit

Classic

⚙️ Optional Unlimited Restoration for Related & Unrelated Illnesses

Elite

♾️ Inbuilt Unlimited Restoration for Related & Unrelated Illnesses from the second claim onwards.

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📈 Cumulative Bonus

🎁 10% increase in Sum Insured for every claim-free year.

📈 Maximum Bonus up to 100% of the Sum Insured.

Elite offers a Guaranteed Cumulative Bonus, which is not reduced due to claims as per policy terms.

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🩺 Annual Health Check-up

Classic

🩺 Once in every claim-free year (available from the 2nd policy year)

Elite

🩺 Once every policy year from the 1st year onwards

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❤️ Organ Donor Cover

Coverage includes:

❤️ Organ Donor Hospitalization

🧪 Donor Screening

🩺 Donor Complications

💊 Pre & Post Hospitalization for Donor

Covered up to the Sum Insured.

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🚑 Ambulance Cover

🚑 Road Ambulance – Up to Sum Insured

✈️ Air Ambulance – Available under Elite up to ₹10 Lakhs

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🌿 AYUSH Treatment

Coverage for inpatient treatment under:

🌱 Ayurveda

🧘 Yoga

🌿 Naturopathy

💊 Unani

🌼 Siddha

✨ Homeopathy

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👨‍⚕️ Teleconsultation & Wellness

📞 Unlimited Teleconsultation

👨‍⚕️ Specialist Consultation

🩺 Preventive Health Services

💊 Discounts through Network Providers

🏃 Wellness Support

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💰 Premium Waiver Benefit

(Elite Variant)

If the insured suffers:

❤️ Listed Critical Illness

💥 Accidental Death

The next one-year renewal premium may be waived, subject to policy terms.

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➕ Optional Covers

⭐ Any Room Upgrade

⚡ Premium Management Option

♻️ Unlimited Restoration (Classic)

⏳ Reduction of Pre-existing Disease Waiting Period to 90 Days

💊 Coverage for Non-Medical Expenses

🏥 OPD Cover

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⏳ Waiting Period

📅 Initial Waiting Period – 30 Days (except accidents)

🩺 Specific Diseases – 24 Months

❤️ Pre-existing Diseases – 24 Months

⚡ Optional reduction of PED waiting period to 90 Days (available with optional cover)

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❌ Major Exclusions

🚫 Cosmetic Surgery

🚫 Self-inflicted Injuries

🚫 Alcohol & Drug Abuse

🚫 Experimental Treatments (unless covered)

🚫 Non-medical Expenses (unless optional cover is chosen)

🚫 Treatments outside policy terms

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⭐ Why Choose ProHealth Prime Senior?

✅ Specially Designed for Senior Citizens

✅ Lifelong Renewability

✅ Coverage up to ₹50 Lakhs

✅ Unlimited Restoration (Elite)

✅ Air Ambulance Cover (Elite)

✅ Premium Waiver Benefit (Elite)

✅ Unlimited Teleconsultation

✅ Annual Health Check-up

✅ Organ Donor Cover

✅ AYUSH Treatment

✅ Modern Treatment Coverage

✅ Flexible Optional Covers

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📄 Documents Required

🪪 Aadhaar Card

🆔 PAN Card (if applicable)

📍 Address Proof

📷 Passport-size Photograph

🏥 Previous Medical Records (if required)

💳 Bank Account Details

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📞 Need More Information?

💙 Give Your Parents the Protection They Deserve!

📞 Free Expert Consultation

💻 Get an Instant Premium Quote

📝 Quick & Hassle-Free Policy Issuance

🏥 Choose ManipalCigna ProHealth Prime Senior – Classic or Elite – and enjoy comprehensive healthcare protection specially designed for senior citizens with enhanced coverage, wellness benefits, and lifelong peace of mind.