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Last updated on: August 7, 2025
The ManipalCigna Lifetime Plan and Prime Active Plan are comprehensive health insurance offerings, but they cater to different needs. The Lifetime Plan is designed for lifelong coverage, making it ideal for individuals and families seeking protection beyond 65 years of age without age-based restrictions. It offers extensive sum insured options, including high-value coverage and global treatment benefits. In contrast, the Prime Active Plan is tailored for a younger demographic, focusing on early health protection, chronic disease management, and wellness benefits, with features like annual health checkups and value-added services. While both cover hospitalization and critical illnesses, the Lifetime Plan emphasizes long-term security, whereas Prime Active emphasizes preventive care and active lifestyle support. Choosing between them depends on your age, health needs, and long-term goals.
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Choosing the appropriate health insurance plan in India is an important step to all the families or individuals and particularly due to the rising healthcare expenses. Manipalcigna Health Insurance is one of the best options and has gained reputation as a flexible and customer oriented company. The Manipalcigna Lifetime Plan and the Manipalcigna Prime Active Plan are two of the most popular products. We will next discuss the distinctions, features, advantages, and disadvantages as well as suitability of each plan in such a complete guide to 2025 to guide you to make a decision confidently.
Manipalcigna Lifetime Plan is a plan that favors individuals in need of comprehensive medical coverage that will cover the policyholder throughout his or her lifetime. This plan is the best in situations involving families and the elderly who require constant coverage despite the age.
Manipalcigna Prime Active Plan is focused on younger people and families who need wellness-oriented benefits and modern, technologically empowered service. The plan has been designed to promote active lifestyle, and it is distinguished by such special options as wellness rewards, health measures, and custom add-ons.
Did you know? In 2024, over 68 percent of new policyholders in urban India said bundled wellness options were a key aspect in selecting a health plan.
The two plans differ in the levels that they address to and the stages in life they address. Here is a quick comparison:
| Feature | Manipalcigna Lifetime Plan | Manipalcigna Prime Active Plan |
|---|---|---|
| Entry Age | 91 days to no upper limit | 91 days to 65 years |
| Renewability | Lifelong | Until age 99 |
| Sum Insured | 3 lakh - 1 crore | 2 lakh - 25 lakh |
| Wellness Benefits | Limited | Detailed (rewards, vouchers) |
| Pre-existing Disease coverage | After 2-4 years | After 2-3 years |
| Room Rent Limit | Up to Sum Insured | Capped (differing by policy) |
| Maternity Benefits | Available in some variants | Included (waiting period) |
Expert Insight: Lifelong policies can be of special benefit to the individuals who might be infected by chronic illnesses in the later years as they are guaranteed protection with the disadvantage of being rejected because of their old age.
| Parameters | Lifetime Plan | Prime Active Plan |
|---|---|---|
| Best For | Individual, Senior Citizens | Young Families and Active Adults |
| Basic Health Assessments | Wellness Benefits | Extensive Wellness Programs |
| Waiting Period (PED) | 2-4 years | 2-3 years |
| Maternity Cover | Optional or variant specific | Available (including waiting) |
| Free Health Check-up | Annual or once in two year olds | Annual |
| Daily Hospital Cash | Optional add-on | Included/optional |
| Restoration of Sum Insured | Yes | Yes |
| Online Consultation | Included | Included with wellness focus added |
People Also Ask: Who is the Manipalcigna Lifetime Plan intended to?
Individuals seeking reliable, long-term, and high-value plan like a family with aging parents or individuals who want to secure their finances, lifelong, to take care of their health should put this plan at the forefront.
Did you know? Prime Active users in metro cities have seen an increase of up to 30 percent in claim settlement speed due to tech-enabled wellness tracking and claim support in 2024.
Ritesh, a 38-year-old IT consultant based in Mumbai, selected the Manipalcigna Prime Active Plan in 2024 and took it up on behalf of himself, his wife and their two kids. The wellness rewards encouraged his family to make taking annual health check-ups serious. But his father became 70 years old and Ritesh chose the Manipalcigna Lifetime Plan on his behalf because it has a high coverage and flexible policies according to his age. With online marketplace, Ritesh was able to compare both plans of various insurers and make a decision with ease.
People Also Ask: Can I change Manipalcigna plans when my life stage or needs alter?
Yes, health insurance mobility will enable you to change or upgrade policies with your insurer as your needs change, but underwriting and under certain conditions.
| Age Group | Lifetime Plan Premium (Rs.) | Prime Active Premium (Rs.) |
|---|---|---|
| 25-35 | 8,500 - 12,000 | 6,200 - 9,000 |
| 36-50 | 12,000 - 22,000 | 9,500 - 14,500 |
| 51-65 | 24,000 - 42,000 | 18,000 - 29,000 |
| 66+ | 52,000+ | Not Available |
It is premiums per year, sum insured of 10 lakh rupee, and it may change according to the city and medical history.
The two plans have optional riders:
Riders can be added or cover changed at a policy renewal with a minimum of paper work.
Expert Vision: A Manipalcigna survey in 2024 found 74 percent of the users who attached preventive care riders said they received lower claim rejection and a shortened turnaround time.
Take the case of Priya, 29, a gym-lover in Bangalore, who opts to use Manipalcigna Prime Active due to its reward schemes/programs, which are accessible via an app and which will encourage her to continue with her gym routine. The ten years later, when her parents grow older, she gets Lifetime Plan to secure them in the long run. It is depicted here that both plans are used to serve various milestones of life.
Both Lifetime and Prime Active plans are sold on different online marketplaces hence it is not hard to compare policies of many companies at a graphical view. This saves time, lets you filter by premium, benefits and add-ons, and lets you apply immediately with quick documentation. Check the wordings and inclusions of each plan and ensures that you finalize the payment.
People Also Ask: Do Manipalcigna health plans cover pre-existing diseases?
The two plans include pre-existing conditions within a waiting period which is reduced in Prime Active in some chronic diseases.
Q1: Do I have the right to add family members to either plan any time?
Yes, newborns, spouses or parents may be added at renewal or on special occasions but within the company regulations.
Q2: Does Manipalcigna provide cashless treatment in the country?
The two plans will offer a broad network of cashless hospitals exceeding 8500 hospitals as of 2025.
Q3: What is the claim settlement ratio at Manipalcigna health insurance?
The claim settlement ratio of Manipalcigna is more than 97 percent constantly, which demonstrates its high reliability.
Q4: Are annual health checkups so free?
Yes, the two plans cover annual or biannual check-ups of health provided the amount insured and the policy terms.
Q5: Is it possible that NRI or returning Indians should take these plans into account?
Absolutely. Both plans are very good alternatives to NRIs who may want to go back to India and they take in a wide scope of medical services with global health records documentation.
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Written by Prem Anand, a content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors.
Prem Anand is a seasoned content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors. He has a strong command of industry-specific language and compliance regulations. He specializes in writing insightful blog posts, detailed articles, and content that educates and engages the Indian audience.
The content is prepared by thoroughly researching multiple trustworthy sources such as official websites, financial portals, customer reviews, policy documents and IRDAI guidelines. The goal is to bring accurate and reader-friendly insights.
This content is created to help readers make informed decisions. It aims to simplify complex insurance and finance topics so that you can understand your options clearly and take the right steps with confidence. Every article is written keeping transparency, clarity, and trust in mind.
Based on Google's Helpful Content System, this article emphasizes user value, transparency, and accuracy. It incorporates principles of E-E-A-T (Experience, Expertise, Authoritativeness, Trustworthiness).
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