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Manipal Cigna Prime Senior (Elite)

Introduction to Manipal Cigna Prime Senior (Elite)

Manipal Cigna Prime Senior is a health insurance policy offered by Manipal Cigna Health Insurance Company Limited. A health insurance plan promises to pay for hospitalization expenses as well as expenses incurred before and after a hospitalization. When it comes to protecting your health, selecting the right health insurance plan is crucial. Tailored specifically for senior individuals, Manipal Cigna's Prime Senior (Elite) Plan is designed to address their distinct medical requirements. It comes with a range of features, benefits, and add-ons that are carefully curated to cater to the unique healthcare needs of senior citizens.

Verdict: Manipal Cigna Prime Senior (Elite)

This plan is specifically designed for senior citizens and offers comprehensive coverage. It comes with several distinctive benefits and features, such as the option to waive the mandatory co-payment and reduce the pre-existing disease waiting period to just 90 days instead of 24 months. On the flip side, however, it does not allow you to pay premiums on a monthly basis and it is expensive than other products in the market. And, as per our research, the insurer has received a higher number of claim settlement and policy purchase complaints. This indicates that the insurer has a poor track record with respect to both purchase and claims service.

Pros & Cons: Manipal Cigna Prime Senior (Elite)

  • arrow Option to reduce the PED waiting period to 90 days from 24 months
  • arrow Option to waive off the mandatory co-payment
  • arrow Cumulative bonus payable regardless of previous year's claims
  • arrow Covers non-medical expenses or the cost of consumables such as gloves, oxygen masks, nebulization kits, etc.
  • arrow Expensive than other products in the market
  • arrow Limitations on the type of hospital room you choose (no limits if you choose an add-on)
  • arrow Monthly premium payment mode not available
  • arrow Received higher number of complaints during policy purchase compared to other insurers
  • arrow Received higher number of complaints on claim settlement compared to other insurers
  • arrow Our study observed their responses on Twitter to be relatively slower than other insurers

Specific Exclusions: Manipal Cigna Prime Senior (Elite)

01 Dental treatment except for treatment required due to an accident
02 Circumcision unless necessary for treating a disease or injury
03 Instruments used in treatment for sleep disorders
04 Expenses for treatment related to external birth defects
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About ManipalCigna Health Insurance Company Limited

ManipalCigna Health Insurance Company Limited logo

ManipalCigna Health Insurance, a joint venture between the Manipal Group and Cigna Corporation, is a standalone health insurance company in India. The company provides a wide range of insurance products comprising individual insurance, family floater, critical illness, personal accident, group health insurance, and hospital cash policies, among others to meet the diverse needs of customers. It was founded in 1994 and is headquartered in Mumbai, Maharashtra. Mr. Prasun Sikdar is the company's CEO and MD.

Founded in
JV Partners
Manipal Group and Cigna Corporation
Turnover (GWP)
402.44 Crores
Number of Policies
Number of Claims

Detailed Product Specs: Manipal Cigna Prime Senior (Elite)

Claims Experience advisor
Customer Service advisor
Product Benefits (10L Sum Insured) advisor
Limits and Exclusions advisor
% of claims settled in less than 30 days
Reflects on the speed of settling valid claims
% of Complaints received on overall claims
% customers unhappy with claims experience
Claims Incurred Ratio
Claim Settlement Ratio (No. of claims)
What % of the claims received were paid?
No. of Cashless Hospitals

  1. The health insurance data was last updated in June 2023. All data has been sourced from product brochures, policy wordings, prospectus, public disclosures (Q1, FY 2023-2024), IRDAI annual report (2021-22), insurer websites, and the IRDAI website. 
  2. For now, we have considered the most comprehensive plans from leading insurance companies. We will keep updating the product pages with new plans in the coming days.
  3. We have rated only those plans that can be serviced by individual advisors. This is because of our strong belief that health insurance customers need professional assistance from individual advisors before and after purchase. We do not recommend and hence do not rate direct-to-customer health insurance plans or plans where there aren't enough advisors available to service. 
  4. Affordability assessment of plans: 
    • The affordability of comprehensive plans is assessed using premiums for a family of two adults (30 years old) and one child (1 year old) residing in Zone 1 opting for a cover of ₹10 Lakhs. And, the premiums are as of 31st June 2023.
    • The affordability of Care Freedom Plan is assessed using premiums for a 30-year-old male residing in Zone 1 opting for a cover of ₹5 Lakhs. And, the premiums are as of 31st June 2023.
  5. The product benefits section is based on a sum insured of ₹10 Lakhs and only highlights the top benefits and features of health insurance plans. 
  6. Only those hidden and special conditions that apply to the benefits and features we have considered are included in the product pages. 
  7. The product pages only include the most significant specific exclusions under each plan.
  8. The product pages do not include any generic terms, conditions, or exclusions (those that are the same and apply to all health insurance plans).
  9. If the policy wording, brochure, or prospectus state that a benefit/feature is available with a specific plan but it is not available online when generating the premium quote, we have not considered that benefit/feature to be available with the plan.
  10. The response time on Twitter (Beta) was calculated using a sample set of tweets from April, May, and June 2022 (analyzed in August, September, and October 2022). 
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