Compare HDFC ERGO Health vs Manipal Cigna Health Insurace
| HDFC ERGO Health | Manipal Cigna | |
|---|---|---|
| Claims Settlement Ratio ** | 89.50% | 90.02% |
| Number of Lives Covered * | 1,07,13,000 | 1,101,000 |
| Network Hospitals | 7,400 + | 6,500 + |
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| Easy Health | Optima Restore | Arogya Sanjeevani | ProHealth | ProHealth Select |
| In-patient Treatment | ||||
| Covered | Covered up to sum insured | Covered | ProHealth Protect: For sum insured up to Rs.5.5 Lakhs - Covered up to Single Private Room For sum insured Rs.7.5 Lakhs and Above - Covered up to any Room Category except Suite or higher category ProHealth Plus: Any hospital room except Suite ProHealth Preferred: Any hospital room except Suite ProHealth Premier: Any hospital room except Suite ProHealth Accumulate: For sum insured up to Rs.5.5 Lakhs - Covered up to Single Private Room For sum insured Rs.7.5 Lakhs and Above - Covered up to any Room Category except Suite or higher category |
Covered |
| Room Rent | ||||
| Covered | Covered | Up to 2% of the sum insured subject to maximum of Rs.5,000 per day | Up to Single Private Room / Unlimited eligibility based on plan opted | Covered up to Single Private Room |
| ICU Charges | ||||
| Covered | Covered | Up to 5% of the sum insured subject to maximum of Rs.10,000 per day | Covered up to sum insured | Up to 4% of sum insured for ICU up to a max of 7,000 |
| Pre-hospitalization | ||||
| Up to 60 days | Up to 60 days | 30 days before the date of admission to the hospital | Up to 60 days Covered | Up to 60 days Covered |
| Post-hospitalization | ||||
| Up to 90 days | Up to 180 days | 60 days after discharge from the hospital | Up to 90 days Covered | Up to 90 days Covered |
| Day Care Procedures | ||||
| Covered | All day care procedures are covered | 150 day care procedures are covered | 500 plus listed Day Care treatments covered up to sum insured | 171 procedures, covered up to full sum insured |
| Domiciliary Treatment | ||||
| Covered | Covered up to sum insured | Not Covered | Treatment at home covered up to sum insured | Covered up to sum insured |
| Emergency Ambulance | ||||
| Up to Rs 2,000 per hospitalisation | Up to Rs 2,000 per hospitalisation | Up to Rs.2,000 per hospitalisation | ProHealth Plus: Up to 2,000 per event ProHealth Protect: Up to 3,000 per event ProHealth Plus: Actual expenses per event ProHealth Preferred & ProHealth Premier: Up to 2,000 per event ProHealth Accumulate: Up to 2,000 per event |
Up to 2,000 per hospitalization event |
| Dental Treatment | ||||
Individual - Standard & Exclusive: Not covered Platinum (4 lakhs to 10 lakhs): Up to 1 % of Sum insured subject to a maximum of Rs.5,000 Platinum (15 to 50 Lakhs): Up to 1 % of Sum insured subject to a maximum of Rs.7,500 Family - Standard & Exclusive: Not covered Platinum (4 to 10 Lakhs): Up to 1 % of Sum insured subject to a maximum of Rs.5,000 Platinum (15 to 50 Lakhs): Up to 1 % of Sum insured subject to a maximum of Rs.10,000 (waiting period : 3 years) |
Not covered | Dental treatment, necessitated due to disease or injury | Not covered | Not covered |
| Bariatric Surgery | ||||
| Not covered | Not covered | Not Covered | Yes, if Bariatric surgery cover is opted | Not covered |
| Ayush Benefit | ||||
Standard: Up to Rs.20,000 Exclusive & Platinum (3 to 10 Lakhs): Up to Rs.25,000 Exclusive & Platinum (15 to 50 Lakhs): Up to Rs.50,000 |
Not covered | Covered | In-patient hospitalization covered up to sum insured | Coverage for Ayurvedic, Yoga & Naturopathy, Unani, Siddha and Homeopathy up to the limit of sum insured |
| Maternity Benefits | ||||
Standard: Not covered Exclusive & Platinum (3 to 10 Lakhs): Normal Delivery Rs.15,000, Caesarean Delivery Rs.25,000 Exclusive & Platinum (15 to 50 Lakhs): Normal Delivery Rs.30,000, Caesarean Delivery Rs.50,000 (Waiting Period: 4 Years) |
Not covered | Not Covered | ProHealth Plus: 15,000 for normal; 25,000 for C-section (per event ProHealth Preferred: 50,000 for normal; 1 lac for C-section (per event) ProHealth Premier: 1 lac for normal; 2 lacs for C-section (per event) |
Not covered |
| New Born baby cover | ||||
Standard: Not covered Exclusive & Platinum: Additional Benefit on payment of additional premium |
Not covered | Not Covered | Covered within maternity expenses | Not covered |
| Organ Donor Expenses | ||||
| Covered | Covered up to sum insured | Not Covered | Covered up to sum insured | Covered up to sum insured |
| Vaccination (In case of post bite treatment) | ||||
| Not covered | Not covered | Not Covered | Not covered | Not covered |
| Health Check-up | ||||
Standard: Every 4 years, 1% of sum insured, up to Rs.5,000, irrespective of claim Exclusive: Every 3 years, 1% of sum insured, up to Rs. 5,000, irrespective of claim Platinum: Every 2 years, 1% of sum insured, up to Rs.5,000, irrespective of claim |
Individual - 3 Lakhs: Not covered 5 Lakhs: Up to Rs.1,500 10 Lakhs: Up to Rs.2,000 15 Lakhs: Up to Rs.4,000 20 to 50 Lakhs: Up to Rs.5,000 Family - 3 Lakhs: Not covered 5 Lakhs: Up to Rs.2,500 10 Lakhs: Up to Rs.5,000 15 Lakhs: Up to Rs.8,000 20 to 50 Lakhs : Up to Rs.10,000 |
Covered | ProHealth Plus: Available each policy year(excluding the first year ProHealth Protect: Available once every 3 rd policy year ProHealth Preferred & ProHealth Premier: Available each policy year(excluding the first year) ProHealth Accumulate: Available once every 3 rd policy year |
Covered |
| Hospital daily allowance | ||||
Standard: Rs.500 per day, maximum Rs.3,000 Exclusive & Platinum (3 to 5 Lakhs): Rs.500 per day, maximum Rs.3,000 Exclusive & Platinum (7.5 to 10 Lakhs): Rs.800 per day, maximum Rs.4,800 Exclusive & Platinum (15 to 50 Lakhs): Rs.1,000 per day, maximum Rs.6,000 (Choosing shared accommodation) |
Not Covered | 3 to 15 Lakhs: Rs.800 per day, maximum Rs.4,800 20 to 50 Lakhs: Rs.1,000 per day, maximum Rs.6,000 (Choosing shared accommodation) |
Not covered | Not covered |
| Co-pay | ||||
| NIL Co-pay under this plan | NIL Co-pay under this plan | 5% Co-pay applicable on all claims | Covered | Covered |
| Pre-existing diseases coverage | ||||
| Covered after a waiting period of 3 years | Covered after a waiting period of 3 years | Covered after a waiting period of 4 years | Preferred plan & Premier plans covered after 24 months Accumulate & Plus plans covered after 36 months Protect plan covered after 48 months |
Not Covered |
| Restore Benefit | ||||
| NIL Restoration Benefit under this plan | Equal to 100% of Basic sum insured | NIL Restoration benefit | Up to 100% of Base sum insured per year | Up to 100% of Base sum insured per year |
| General waiting period | ||||
| 30 days | 30 days | 30 days | 30 days | 30 days |
| Renewal Benefit / Cumulative Bonus | ||||
| 10% on base sum insured for every claim free year and up to 100%. | 50% for every claim free year up to 100% of basic sum insured | 5% for every claim free year up to 50% of sum insured | ProHealth Plus: Available once every 3 rd policy year ProHealth Protect & ProHealth Plus: Guaranteed 5%, Max - 200% ProHealth Preferred & ProHealth Premier: Guaranteed 10%, Max - 200% ProHealth Accumulate: Guaranteed 5%, Max - 200% |
5% each year maximum up to 100% on non-reducing basis |
| Emergency Air Ambulance | ||||
Standard: Not covered Exclusive & Platinum (3 to 10 lakhs): Not covered Exclusive & Platinum (15 to 50 Lakhs): Up to Rs.2.5 lakhs per hopsitalisation |
3 to 5 Lakhs: Not covered 10 to 50 Lakhs: Covered up to Rs.2.5 lakhs per hospitalization and maximum up to sum insured in an year |
Not Covered | Not covered | Not covered |
| Available sum insured options | ||||
Individual - Standard Plan: Rs.1 to 15 Lakhs Exclusive Plan: Rs.3 to 50 Lakhs Platinum Plan: Rs.4 to 50 Lakhs Family - Standard Plan: Rs.2 to 15 Lakhs Exclusive Plan: Rs.3 to 50 Lakhs Platinum Plan: Rs.4 to 50 Lakhs |
Individual: Rs.50,000 to 10 Lakhs Floater: Rs.2 to 10 Lakhs |
Rs.1 to 5 Lakhs | ProHealth Plus: Rs.4.5, 5.5, 7.5, 10, 15, 20, 25, 30, 50 Lakhs ProHealth Protect: Rs.2.5, 3.5, 4.5, 5.5, 7.5, 10, 15, 20, 25, 30, 50 Lakhs ProHealth Premier: Rs.100 Lakhs ProHealth Preferred: Rs.15, 30, 50 Lakhs ProHealth Accumulate: Rs.5.5, 7.5, 10, 15, 20, 25, 30, 50 Lakhs |
ManipalCigna ProHealth Select Insurance Plan A: Rs.0.5 1,2,3,4,5,7,10,15,20,25 lakhs Plan b: Rs.2,3,4,7,10,15,20,25 lakhs |
| Policy can be purchased for | ||||
| 1/2 years | 1/2 years | 1 year | 1/2/3 years | 1/2/3 years |
| Eligibility criteria | ||||
| Adults from 18 to 65 years (dependents 91 days to 5 years) | Adults from 18 to 65 years (dependents 91 days to 5 years) | Adults from 18 to 65 years (dependents 91 days to 17 years) | Min Entry Age: Child - 91 days, Adult - 18 years Max Entry Age: No limit |
Minimum Entry Age: 91 Months Maximum Entry Age For Dependent Children: 23 Years Maximum Entry Age for Adults: 65 years |
| Renewability | ||||
| Renewal for whole life | Renewal for whole life | Renewal for whole life | Renewal for whole life | Renewal for whole life |
| Daily Cash for Accompanying an Insured Child | ||||
Standard : Not covered; Exclusive & Platinum (3 to 5 Lakhs): Rs.300 per day, maximum Rs.9,000 Exclusive & Platinum (7.5 to 10 Lakhs): Rs.500 per day, maximum Rs.15,000 Exclusive & Platinum (15 to 50 Lakhs): Rs.800 per day, maximum Rs.24,000 |
Not covered | Not Covered | Not covered | Not covered |
| Claims loading | ||||
| Applicable | Applicable | No Loading | No Loading | No Loading |
| Portablity (At the time of renewal) | ||||
| Yes | Yes | Yes | Yes | Yes |
| Tax Benefits Limit | ||||
| Income tax benefit under section 80D | Income tax benefit under section 80D | Income tax benefit under section 80D | Income tax benefit under section 80D | Income tax benefit under section 80D |
