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Last updated on: August 7, 2025
The ManipalCigna Prime Active Plan and Prime Senior Classic Plan cater to different age groups and health needs. The Prime Active Plan is designed for individuals and families aged 18 to 65 years, offering extensive coverage, wellness programs, and optional riders for added protection. It appeals to younger policyholders seeking flexibility and broader health benefits. In contrast, the Prime Senior Classic Plan is tailored for seniors aged 56 and above, focusing on age-related health concerns with features like minimal sub-limits, higher entry age, and coverage for pre-existing diseases sooner. While both plans offer cashless claims and hospitalization benefits, the main differences are in eligibility, waiting periods, and specific senior-friendly features. Your choice should depend on your age, health requirements, and whether you want comprehensive coverage or specialized senior care.
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In making the right health insurance decision, it is important to know the difference between similar sounding ones. Among the well-liked plans of ManipalCigna two are worth noting in 2025 ManipalCigna Prime Active Plan and ManipalCigna Prime Senior Classic Plan. The two are targeted at various age groups and health profiles, which means that one should compare them directly to make a sound decision.
In this paper, the paper will provide a line-by-line comparison of these two plans of 2025. You will learn the features, advantages, disadvantages, deductibles, and practical examples so that you can select the appropriate plan to suit your requirements or that of close ones. It is important to remember that you should continually confirm the latest information with the insurer and only make the final choice after that.
ManipalCigna Prime Active Plan is an all inclusive health insurance policy, which is targeted primarily to young adults, working professionals and families. It will cover major health crisis, hospitalisation, and standard medical costs to protect those individuals and nuclear families.
This plan is known for:
The Prime Senior Classic Plan of ManipalCigna is designed specifically to target elderly people and in most cases, they target people in their late 60s and above. It is aimed at offering high level of security to older people who may be experiencing rising health issues or already have diseases.
Key highlights include:
Health needs differ with age. A 35 year old would not necessarily fit a 70 year old in terms of health plan. All of the plans provide features due to general health needs of their target population segment, therefore it is essential to select a plan which will cater to real health needs and life stage.
These two plans usually take the first position in the list of those found by people who search online on health insurance for Indian seniors citizens in 2025 or the best coverage to buy as a young professional. But what are the differences and which one suits you? Let’s break it down.
Did you know? Households in India are choosing plans, which not only provide wellness and preventive benefits of healthcare, but also emergency coverage.
People Also Ask: Who is the Prime Senior Classic Plan to be considered?
When you are over 60 years or you are seeking best health insurance of parents in India 2025, then the Senior Classic Plan is optimized to suit your case. Its waiting times and characteristics are conducive to the typical requirements of the older adults.
The following is an obvious side-by-side comparison with the 2025 parameters:
| Feature | Prime Active Plan | Prime Senior Classic Plan |
|---|---|---|
| Eligibility/Entry Age | 18 to 65 years | 61 years and over |
| Sum Insured Options | 3 lakh -1 crore | 3 lakh -25 lakh. |
| Hospital Network | 8500+ hospitals | 8500+ hospitals |
| Pre-existing Disease Waiting | 24 to 48 months | 24 months usr. |
| No Claim Bonus | Up to 200 percent - 100 percent. | |
| Restore Benefit | Unlimited | Unlimited. |
| Day Care Procedures | 540+ | 540+ |
| Wellness Programs | Complete | Age restricted. |
| Co-payment | None except by default | None until 70 years, and thereafter, 20 percent. |
| OPD/Domiciliary Cover | Optional | Included. |
| Age of entry of Dependent Children | 91 days- | Not applicable. |
| Health Check-ups | Periodical, health-related | Annual, starting day one. |
Reference: ManipalCigna official documents 2025.
Restore Benefit- It is a feature whereby should you exhaust your entire sum insured in a year the insurance company will automatically reinstate it in a claim in the same policy year without additional premium. It is an added advantage to families that have frequent medical conditions.
Pros:
Cons:
Pros:
Cons:
Professional Vision: To silver age customers, the annual health checkups and instant cover of pre-existing diseases can be a boon of mental satisfaction. The majority of competitors maintain wait time at 36 months or longer.
Family Case: Ranjit, 40 years old, has wife and two children and desired an all-round insurance. They have selected the Prime Active Plan, which was appealing due to the broad benefits, including children since their infancy, and wellness.
Senior Case: Mrs. Anil, 67, is a diabetic patient with hypertension and the Senior Classic Plan was suitable since it would cover her on the first day with a 24-month waiting period of pre-existing illnesses. The coverage of OPD assisted her in making the regular visits to the doctor without the additional expense.
Are you in need of a nuclear family or working professionals under 60 years old health insurance to cover your healthcare budget, baby to major surgery? Prime Active Plan is set to secure your healthcare budget.
Prime Senior Classic is not targeted at entire families, but individuals who are 61 years and older, and require a cover that is care-oriented, particularly when they have chronic health conditions.
People also Ask: Am I able to change the Active to the Senior Classic Plan?
When you are an existing customer of ManipalCigna who attains 61 years, you can port or upgrade to Senior Classic Plan. Portability regulations are applicable and allowances such as accrued no-claim bonus are normally portable, though enquire with the company.
Did you know? As much as 20 to 30 percent of the average Indian bill may comprise pre and post hospitalisation costs such as tests, scans, and medicines. These are covered by both plans, only the periods allowed might be different.
You should always be prudent to employ digital insurance marketplaces that will allow you to compare ManipalCigna plans with those of other insurers side-by-side. This guarantees you the best premium rates, cover details and can see actual user reviews. Posting plans of different companies on the same online site is time-saving and avoids conflict of missing concealed information.
Q: How are the differences between Prime Active and Senior Classic plan?
A: Prime Active targets young adults and families, Senior Classic targets senior citizens, above 61. Both are age-relevant with coverage and features.
Q: Does Senior Classic cover pre-existing disease on a day 1 basis?
A: No but the waiting period is only 24 months which is less than most of the competitors.
Q: Can parents be included into the Prime Active Plan?
A: Parents older than 65 years must be included in the Senior plans as most plans are limited to the age of 65.
Q: Are the two plans lifelong renewable by ManipalCigna?
A: Yes, they are both lifetime renewable except where stated to the contrary.
Q: Does it accept other treatment such as Ayurveda?
A: AYUSH coverage is provided on the Active and Senior Classic plans according to the policy terms.
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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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