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Last updated on: September 19, 2025
The ICICI Lombard Elevate Plan and the ManipalCigna Prime Senior Elite Plan are both health insurance products designed for senior citizens but offer distinct advantages. The Elevate Plan by ICICI Lombard provides customizable sum insured options, extensive network hospitals, no-claim bonus, and robust coverage for hospitalization, day-care procedures, and pre/post-hospitalization. In contrast, the ManipalCigna Prime Senior Elite Plan is tailored for seniors over 56 years, featuring high sum insured choices (up to ₹50 lakhs), no pre-policy medicals for some, unlimited restoration, annual health check-ups, and unique senior-centric features like coverage for shared accommodation and non-medical expenses. While ICICI Lombard focuses on flexibility and network strength, ManipalCigna stands out for its comprehensive, senior-specific benefits and enhanced support services. Choosing between the two depends on individual requirements, such as sum insured preferences, value-added services, and plan-specific inclusions.
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As the medical expenses of India are soaring particularly in elderly citizens, it is obligatory to select an inclusive health insurance. Many aged people and their families are now considering the leading policies such as the Elevate Plan by ICICI Lombard and the Prime Senior Elite Plan by ManipalCigna in 2025. Naturally, when you want a solid coverage, lifelong renewability, prevention wellness, and an insurer that would be easy to deal with, you would choose to compare the two highest rated medical insurance products.
The two plans are specifically designed to target the elderly, and the main services available on them include pre-existing disease insurance, organ donor spending, and advanced hospitalization insurance. However, the choice can be complex because of disparities in the benefits, waiting periods, claim procedures, and prices.
We will explore their main characteristics, distinctions, satisfaction aspects to customers and traps to enable you to choose the best health cover to cover your golden years in 2025.
ICICI Lombard Elevate Plan is a new senior citizen health insurance that covers the senior citizens aged above 55. It specializes in the provision of wide cover on age related diseases and after care hospitalization. This policy is becoming trendy due to ease of flexibility in the volume amount of sum insured and rapid settlement of claims digitally.
Did you know?
The Elevate Program provided by ICICI Lombard provides a digital health aid application, monitoring vitals and medication schedules to help preventive health management among senior citizens.
Pros:
Cons:
| Feature | Details |
|---|---|
| Entry Age | 55 years and above |
| Pre-Existing Waiting | 24 months |
| Network Hospitals | 8000 plus |
| No Claim Bonus | Up to 20 percent |
| Restoration Benefit | Up to 100 percent |
| Wellness Programs | Yes |
ManipalCigna Prime Senior Elite is designed to meet higher healthcare inclusion requirements of individuals 60 years of age and older. This is known to have high sum insured options, distinctive disease management and comprehensive cover of hospitalization and this makes it a good choice in 2025.
Did you know?
The ManipalCigna collaborates with a network of super-specialty hospitals all across the country, hence providing greater accessibility to transplant, cardiac and cancer care even to elderly policyholders.
Pros:
Cons:
| Feature | Details |
|---|---|
| Entry Age | 60 years and above |
| PED Waiting | 24 to 48 months |
| Network Hospitals | 9000 plus |
| Room Rent Capping | None |
| Restoration | Unlimited |
| Optional Global Cover | Yes |
The determinants of health insurance of older citizens are hospitalization, inclusion of pre-existing and the waiting periods. The two plans have the same general coverage but have minor differences that are crucial.
ICICI Lombard Elevate:
ManipalCigna Prime Senior Elite:
Special Highlight: ManipalCigna offers disease management plans on usual conditions among the elderly (such as diabetes), and it includes e-consultations and wellness benefits without any additional charges during the first year.
P: What is the broader disease management in 2025 in the senior citizen plan?
A: The Prime Senior Elite by ManipalCigna covers more in terms of management, such as the personalized coaching and provision of outpatient treatment in certain options.
Did you know?
In India, pre-existing disease waiting period was limited to a maximum of 48 months across all health insurance plans beginning in India 2024, which guarantees faster cover of long-term illnesses.
One of the main considerations of decision making among the seniors is cost as most of them are on a fixed pension or post-retirement income.
| Plan | Premium (Approx.) |
|---|---|
| ICICI Lombard Elevate | [?]33,000 to [?]38,000 |
| ManipalCigna Prime Senior Elite | 41,000 to 46,000[?] |
Key Points:
Q: Does the renewal discount on the both plans?
A: Yes, both insurers offer no-claim bonuses (up to 10 -20 percent) and long-term renewal bonuses to loyal policy-holders.
Did you know?
A large number of insurers now have digital payment discounts, and some of them forego renewal loadings provided that your claim history is clean in the last two years.
Preventive services and wellness are very significant in the management of health among seniors particularly in matters that involve chronic illnesses.
ICICI Lombard Elevate Plan:
ManipalCigna Prime Senior Elite:
Experts’ Insights:
The competition of insurance providers in 2025 is no longer limited to supporting claims, but also to the features of preventive healthcare that will decrease the claims and enhance the quality life of the elderly population.
It is also easy to change an insurer because of the guidelines of IRDAI that govern portability. An effective claims procedure and customer responsiveness are also required by elderly citizens.
Q: Can I easily change to a family floater to an individual senior plan?
A: Policyholders are allowed to transfer their accumulated benefits and NCB to family plans to senior citizen specific plans upon renewing at underwriting.
Did you know?
According to the data released by IRDAI 2024-25, the ratio of claim rejection at ManipalCigna was one of the lowest in the sector of senior plans last year.
The two policies are also comprehensive as far as protection is concerned, but not devoid of restrictions.
ICICI Lombard Elevate:
ManipalCigna Prime Senior Elite:
Q1: Which strategy is most effective in the high cost metro cities?
ManipalCigna Prime Senior Elite is not limited to room rent and his restoration is also unlimited.
Q2: Would I be able to purchase either of the plans online in 2025?
Yes, online purchase can be done with eKYC and digital signatures in both ICICI Lombard Elevate and ManipalCigna Prime Senior Elite.
Q3: Which is the ratio of claim settlement of these insurers?
They both have claim settlement ratios greater than 95 percent, whereas practical experience lies with adequate documentation and timely communication with the hospital.
Q4: Do these plans have free medical checkups?
Yes, the two schemes provide checkup on a yearly basis. ManipalCigna might include more tests on its higher variants.
Q5: Are medical tests annual in renewing the policies?
In most cases, health checkups are voluntary and are only compulsory in some exceptional cases of significant health developments during renewal.
Q6: Does my NCB have portability in case I change plans?
Yes, the No Claim Bonus (NCB) is portable provided that in case of a transfer to a similar amount of insured and waiting periods are transferred according to the IRDAI principles.
How could we improve this article?
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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