HDFC ERGO vs Manipal Cigna Health Insurance

Compare HDFC ERGO vs Manipal Cigna Health Insurance Plans
Plan Type
Health
Coverage type
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HDFC Ergo Manipal Cigna
Claims Settlement Ratio ** 62.73% 90.02%
Number of Lives Covered * 27,48,000 1,101,000
Network Hospitals 6,000 + 6,500 +
  • * As per IRDAI report for 2018-19
  • ** As per NL25 data published on the Insurance Company website
Hdfc ergo Hdfc ergo Hdfc ergo Manipal Cigna Manipal Cigna
Health Suraksha Health Suraksha Silver Arogya Sanjeevani ProHealth ProHealth Select
In-patient Treatment
Covered Covered 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
At Actual capping on room rent 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
At Actuals Covered Up to 5% of 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
60 days before the date of admission to the hospital 60 days before the date of admission to the hospital 30 days before the date of admission to the hospital Up to 60 days Covered Up to 60 days Covered
Post-hospitalization
180 days after discharge from the hospital 180 days after discharge from the hospital 60 days after discharge from the hospital Up to 90 days Covered Up to 90 days Covered
Day Care Procedures
Covered Covered Covered 500 plus listed Day Care treatments covered up to sum insured 171 procedures, covered up to full sum insured
Domiciliary Treatment
Covered Covered Covered Treatment at home covered up to sum insured Covered up to sum insured
Emergency Ambulance
Silver Smart: Rs.2,000
Gold Smart: Rs.3,500
Platinum Smart: Sum insured 20 to 50 lakhs: Rs.3,500;
Sum insured 50 & 75 lakhs : Rs.15,000
Covered Maximum of 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
Not Covered 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
Covered Covered
Expenses incurred for inpatient care treatment under Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy
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
Covered(Optional)
(Waiting period : 3 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
Up to parent care sum insured(Optional) Not Covered Not Covered Covered within maternity expenses Not covered
Organ Donor Expenses
Covered Covered 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
Covered
1% of Sum Insured after every 4 consecutive and continuous claim free years with us (Subject to a maximum up to Rs.5,000)
Not 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
Covered up to Sum Insured Covered up to Sum Insured Not Covered Not covered Not covered
Daily Cash for Accompanying an Insured Child
Not Covered Not Covered Not Covered Not covered Not covered
Co-pay
Silver Smart: No co-pay for all treatment, Optional Co pay available between 10%/20%;
Gold Smart : No co-pay for all treatment, Optional Co pay available between 15%/25%;
Platinum Smart: No co-pay for all treatment, Optional Co pay available between 15%/25%
NIL / co-pay applicable upto 20% for treatment in higher class cities 5% co-pay on all claims Covered Covered
Pre-existing diseases coverage
Pre-existing diseases covered after 3 years of continuous coverage Pre-existing diseases covered after 4 years of continuous coverage Pre-existing diseases covered after 4 years of continuous coverage 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
Sum Insured Rebound upto 100% of Sum Insured per year Not Covered Not Covered 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
Silver Smart & Gold Smart: 10% on base sum insured for every claim free year and up to 100%;
Platinum Smart: 25% on base sum insured for every claim free year and up to 200%
5% on base sum insured for every claim free year and up to 50% 5% on base sum insured for every claim free year and up to 50%
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
Silver Smart:Not Covered;
Gold Smart: Up to 2 lakhs;
Platinum Smart : Up to 5 lakhs.
Not Covered Not Covered Not covered Not covered
Available sum insured options
Silver Smart: Rs.3 to 5 Lakhs
Gold Smart: Rs.7.5 to 15 Lakhs
Platinum Smart: Rs.20 to 75 Lakhs
Rs.3 to 50 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
1/2/3 Years 1/2/3 Years 1 Year 1/2/3 years 1/2/3 years
Eligibility criteria
Adults from 18 Years to lifetime entry (dependents 91 days to 25 years) Adults from 18 Years to lifetime entry (dependents 91 days to 25 years) Adults from 18 to 65 years (dependents 91 days to 25 years).If the child above 18 years of age is financially independent, he or she shall be ineligible for coverage in the subsequent renewals 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
Claims loading
Loading Loading 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

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CIN: U66000KA2018PTC117713 | IRDAI Web aggregator License Code Number: IRDAI / INT / WBA /53/ 2018, Valid till 07/08/2022