OneAssure

Health Insurance

ManipalCigna

Select Prime Senior Classic

Cover people from age 56 in a single private air-conditioned room, add a 10% cumulative bonus after each claim-free year up to 100%, and apply a 20% co-pay, with optional restoration from ₹5 lakh.

88%

Claim Settlement Ratio

8,500+

Network Hospitals

6.5/10

Plan Rating

Policy Policy Wording

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Our Verdict

Expert Review: ManipalCigna Select Prime Senior Classic

Final Verdict

Prime Senior Classic is a senior-focused health insurance plan that combines comprehensive hospitalization coverage with unlimited restoration benefits and coverage for modern treatments.

About

What Is Select Prime Senior Classic?

ManipalCigna Prime Senior Classic is a senior citizen health insurance plan designed to provide broad protection against hospitalization expenses. The policy covers inpatient treatment, daycare procedures, AYUSH treatment, domiciliary care, donor expenses, advanced medical treatments, mental health conditions, and HIV/AIDS-related hospitalization. A key feature of the plan is its 100% restoration benefit available multiple times during the policy year, helping ensure continued coverage even after large claims.

Prime Senior Classic Ratings

Prime Senior Classic

Insurer Rating

6.21

out of 10

Insurance Rating

6.5

out of 10

No Room Rent Limit

Yes

Consumables Covered

No

No Co-payment

Yes

Loyalty Bonus >= 500%

Yes

No Disease Sublimits

Yes

Unlimited Restoration

No

Additional Benefits (Informational Only — Not part of score)

PED Waiting <= 2 Years

No

Maternity Available

No

Waiting Period Waiver

Yes

Testimonials

Real People. Real Relief

These are the moments that show what we really do. We don't sell you a policy. We stand by you when it matters most.

I want to sincerely thank Sunad for being there for me throughout the entire claim process. He helped me through so many ups and downs, always patient and ready to support when things got tough. I honestly don’t know how I would have managed without his guidance and encouragement. Sunad made a difficult situation feel a lot less stressful, and I’m truly grateful for his kindness and steadfast help.

Prashant Pandey

Mumbai, Maharashtra

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.

Jatin Gala

Mumbai, Maharashtra

My heartfelt thanks to the OneAssure team for making my insurance claim process effortless. Right from the very first interaction, they demonstrated professionalism, clear communication, and an impressive command of the procedures involved. Their swift updates, timely guidance, and persistent follow-through removed all the stress from what could have been a complicated experience.

Anju Renjith

Bengaluru, Karnataka

I am truly grateful for the support and guidance I received in settling my insurance claim. The entire process was handled with great professionalism, clarity, and efficiency. Their prompt response, deep knowledge of the procedures, and consistent follow-ups ensured a smooth and hassle-free experience.Thank you once again for your invaluable help, highly recommended!

Yogesh Meena

Jaipur, Rajasthan

I recently had the pleasure of purchasing health insurance for my parents through this company, and my experience has been exceptional...The team was incredibly patient and took the time to explain every detail to me. No matter how many times I asked questions, they were always calm and thorough in their explanations. Their professionalism and dedication made a significant difference in helping me make an informed decision.

Akash Kumar

West Bengal

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Inclusions

ManipalCigna Select Prime Senior Classic Inclusions

Room Rent

Normal: Single Private AC Room
ICU: Covered up to policy limits

Advanced Treatments

Uterine Artery Embolization
HIFU (High Intensity Focused Ultrasound)
Balloon Sinuplasty
Deep Brain Stimulation
Oral Chemotherapy
Immunotherapy (Monoclonal Antibody Injection)
Intra-vitreal Injections
Robotic Surgeries
Stereotactic Radiosurgery
Bronchial Thermoplasty
Green Laser / Holmium Laser Prostate Treatment
Intra Operative Neuro Monitoring (IONM)
Stem Cell Therapy for Hematological Conditions

Co-payment

Not mentioned

Cashless Healthcare Providers

Cashless Facility Available

Waiting Period

30 days — standard initial exclusion applies to all fresh illnesses, except for hospitalization arising due to an accident. [1, 2]

Daycare Treatment

Covered

AYUSH Treatment

Covered

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About the company

About ManipalCigna

ManipalCigna Health Insurance is one of the major health insurance companies in India. It is a joint venture between the Manipal Group and Cigna Corporation. The company was established in 2014 and was rebranded in 2019. It is based in Mumbai and has more than 600 cities in the whole country where it has a presence.
The insurer offers a comprehensive line of health insurance solutions, among which individual, family floater, senior citizen, critical illness, personal accident, and top-up plans are the main ones. Programs like ProHealth Prime, Lifetime Health, and Sarvah are made to cover the widest possible range of medical expenses with the sum insured starting from ₹3 lakh to going as high as ₹3 crore. Some of the inclusive features are unlimited restoration, cumulative bonuses, and even coverage for pre-existing health conditions, but only after a waiting period. Besides that, ManipalCigna caters to fitness needs of people, provides health checks, and offers maternity cover in some of their policies.
The company has more than 14500 hospitals in its network all over the country, thus it is easy for the customers to avail cashless treatment. Although its percentage of average claim settlement is 88.59%, which is just a little bit below the industry standard. However, ManipalCigna is credited with its path-breaking ideas and customer-focused strategy, among the Indian health insurance companies, which keeps it ahead of the pack.