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Last updated on: August 7, 2025
The ManipalCigna Prime Active Plan and ManipalCigna Prime Senior Elite Plan are two distinct health insurance offerings tailored to different age groups and health needs. The Prime Active Plan is designed for individuals and families aged 18–65 years, focusing on proactive wellness benefits, comprehensive hospitalization, and lifestyle disease management. In contrast, the Prime Senior Elite Plan caters exclusively to seniors aged 56–75 years with no upper entry age, providing coverage for age-related illnesses, higher sum insured options, and additional features like no mandatory pre-policy medicals and annual health check-ups. While both plans offer cashless hospitalization and a broad network of hospitals, Prime Active emphasizes preventive care for younger policyholders, whereas Prime Senior Elite ensures extensive support and security for senior citizens. The right choice depends on the applicant’s age and specific health requirements.
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Healthcare expenses are increasing in every year; choosing the appropriate health insurance policy in 2025 is more significant than ever. Among available options in the market, Manipalcigna, which is a reliable insurer in India, has come up with two popular products, Manipalcigna Prime Active Plan, and Manipalcigna Prime Senior Elite Plan. Learning the differences between these plans will assist you in choosing a good plan that fits your age, your health requirements and family background.
To make the choice easy and clear, we are going to deconstruct both plans, discuss their advantages, outline their characteristics and provide the answer to the most common questions.
Manipalcigna Prime Active Plan is a broad based health insurance policy created primarily to cover the adults and families seeking an all round insurance to cover such aspects as maternity, wellness, and accidental health covers. The plan best fits the 18-65 year old individuals or family that wants a balance between routine and lifestyle protection.
Pros:
Cons:
Did you know? The reason why many younger families choose this plan is due to the reward of wellness and no-claim bonus that greatly increases their amount of insured with the course of time.
Manipalcigna Prime Senior Elite Plan is specific to the seniors who are older than 61. It provides customised benefits on age-related conditions, increased cover on the chronic diseases, and few limitations aligned with the health profile of the elderly citizens.
Pros:
Cons:
Expert Insight: Older policyholders opt to have the Senior Elite Plan due to its flexibility in the co-payment and the special attention in case of hospitalisation claims.
We can compare the key specifications on the same list to make you see what plan fits your needs.
| Characteristics | Prime Active Plan | Prime Senior Elite Plan |
|---|---|---|
| Entry Age | 18 - 65 years | 61 years and over. |
| Sum Insured Range | 2 lakhs -1 crore | 5 lakhs- 25 lakhs. |
| Coverage | All inclusive (hospitalization, optional maternity, critical illness, wellness, etc.) | Targeted at the older risks (hospitalization, pre-existing diseases, home care) |
| Waiting of PEDs | 3 years old | 1 to 2 years. |
| Co-Payment | Typically above 61 years old | Less often, often no payment. |
| Wellness Programs | Available | Senior-specific programs. |
| Home Care | Limited | Included |
| Room Rent Limit | Work without capping in upper models | Work without capping in certain plans. |
Yes, but after 61 there is a co-payment provision and after 65, they typically would be better fitted to the Senior Elite Plan.
Right Manipalcigna health insurance plan will rely on your age, health risks, and family set up.
You are less than 60 years and need extended coverage of self or family.
Do you own an aged parent who is more than 61 years old?
Suresh, a 38 year old man who has a spouse and two children will take the Prime Active Plan to cover all family members including maternity benefits and free health checkups. He received no claim bonus last year, and this gave him coverage that was 25 percent higher without any additional premium.
Mr. Radhakrishnan, 68, was referred to the Prime Senior Elite Plan due to its home care benefit and a simplified claims process following a knee replacement operation-the plan has the specially designed coverage that covers joint replacement operation was helpful.
Did you know? The network of over 8700 hospitals under the company of Manipalcigna provided cashless treatments, reducing out-of-pocket costs in the two plans.
Waiting period is a very important aspect of health insurance particularly to pre existing illness or new inclusions.
The option of add-ons or of higher variants can save wait time on certain conditions.
Yes, the two plans have cashless claim settlement support in more than 8700 network hospitals in India. This is a strong feature that is looked upon by the seniors as well as the young families to save on time and paperwork during the admission.
Expert Insight: Cashless claim settlement can maintain low out-of-pocket costs and prompt treatment in particular cases of the elderly and critical cases.
Home care includes medical equipment, nurse, physiotherapy and a visiting doctor at home, which is helpful after surgery or discharge.
Although payment varies according to age, city, family size and sum insured, the approximate is as follows:
| Age/Family Type | Prime Active (INR Annual) | Prime Senior Elite (INR Annual) |
|---|---|---|
| Individual (Age 30) | 8,000 - 16,000 | Not eligible |
| Family, 2+2 (30-40) | 17,000 - 40,000 | Not eligible |
| Individual (Age 65) | 20,000 - 33,000 | 29,000 - 50,000 |
| Two Seniors (Age 68, 72) | NA | 55,000 - 1,15,000 |
The figures presented on behalf of 2025 revised estimates of the quotes offered by the most popular online market aggregating tools (without taking into account policybazaar and other mentioned brands).
Did you know? The online insurance marketplaces can assist you in comparing the plan premiums of Manipalcigna against the other insurers and select the amount insured and add-ons that is most affordable in your city and health scenario.
Yes, you may port to Senior Elite when you age, under medical underwriting and terms.
Manipalcigna have completely gone online. You can:
Priya, a 35-year-old marketing manager in Bangalore, is an insurance aggregator through the internet to compare Manipalcigna Prime Active and Senior Elite plans. The interesting no-claim bonus and the wellness reward made Prime Active a favourite in her shortlisting of Prime Active to take her young family of four. Reviews, simulated claims scenarios, and viewing the list of network hospitals in her area; she also did through the online portal, which helped the decision easier and less biased.
| Factor | Prime Active Plan | Prime Senior Elite Plan |
|---|---|---|
| Entry Age | 18 - 65 | 61+ |
| Max Sum Insured | 1 crore | 25 lakhs |
| Maternity/Newborn | As add-on | Not covered. |
| Home Care | Limited | Fully covered. |
| Wellness/Check-up | Comprehensive/Senior-specific. | |
| PED Waiting | 3 years | 1-2 years |
| Appropriate To | Individuals, Families | Senior Citizens. |
Q: Does a family qualify to be covered under the Prime Senior Elite Plan?
No, it is a policy designed exclusively towards the seniors typically in individual or senior couple floater only.
Q: Do the two plans cover diabetes?
Yes, but Senior Elite Plan begins to cover the chronic diseases such as diabetes with less waiting period of 1- 2 years.
Q: Is it possible to include the maternity cover to the Prime Senior Elite Plan?
No, the maternity cover can only be taken in the Prime Active plan because the seniors do not qualify to enjoy the maternity cover.
Q: Are there distinctions of free health checkup benefits?
Both plans have yearly checkups, but the tests in Senior Elite tend to be more age-related.
Q: How can I buy the plan for 2025?
Research the coverage and rates of the top online marketplaces and purchase directly with Manipalcigna to receive a faster policy issuance and service.
The age benefits of both Manipalcigna Prime Active and Prime Senior Elite are different. The Active plan is customized and is chosen by young families due to their wellness. The seniors are entitled to the additional guarantees and simple claim system of the Senior Elite plan. The best Manipalcigna health insurance in 2025 can be attained by comparing details and reading reviews on online platforms and keeping your mind like a watch.
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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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