Manipal Cigna vs Godigit Health Insurance

Compare Manipal Cigna vs Godigit Health Insurance Plans
Plan Type
Health
Coverage type
Coverage State
Coverage City
Coverage amount
Date of birth
  OR age    years
Policy duration
Gender
Start date
End date
* Name, Email Id & Mobile No. are required 
Manipal Cigna Godigit
Claims Settlement Ratio ** 90.02% 60
Number of Lives Covered * 1,101,000 --
Network Hospitals 6,500 + 6,400 +
  • * As per IRDAI report for 2018-19
  • ** As per NL25 data published on the Insurance Company website
Manipal Cigna Manipal Cigna Godigit Godigit
ProHealth ProHealth Select Digit Health Care Plus Digit Health Plus
In-patient Treatment
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
Maxima Restore Super: All Illness Hospitalization
Early Cover: All Illness Hospitalization
Super Care: All Illness Hospitalization
Covered
Room Rent
Up to Single Private Room / Unlimited eligibility based on plan opted Covered up to Single Private Room
Maxima Restore Super: No room rent restriction
Early Cover: No room rent restriction
Super Care: No room rent restriction
Covered(shared or private room subject to a Limit Per Day as opted by You and mentioned in Your Policy )
ICU Charges
Covered up to sum insured Up to 4% of sum insured for ICU up to a max of 7,000 Covered Covered
Pre-hospitalization
Up to 60 days Covered Up to 60 days Covered
Maxima Restore Super: 30 days
Early Cover: 30 days
Super Care: 30 days
Covered
Post-hospitalization
Up to 90 days Covered Up to 90 days Covered
Maxima Restore Super: 60 days
Early Cover: 60 days
Super Care: 60 days
Covered
Day Care Procedures
500 plus listed Day Care treatments covered up to sum insured 171 procedures, covered up to full sum insured
Maxima Restore Super: Covered
Early Cover: Covered
Super Care: Covered
Covered
Domiciliary Treatment
Treatment at home covered up to sum insured Covered up to sum insured
Maxima Restore Super: Not Covered
Early Cover: Not Covered
Super Care: Not Covered
Covered
Emergency Ambulance
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
Maxima Restore Super: 1% upto Rs.5,000
Early Cover: 1% upto Rs.5,000
Super Care: 1% upto Rs.5,000
Covered
Dental Treatment
Not covered Not covered
Maxima Restore Super: Covered
Early Cover: Covered
Super Care: Covered
Covered
Bariatric Surgery
Yes, if Bariatric surgery cover is opted Not covered
Maxima Restore Super: Covered
Early Cover: Covered
Super Care: Covered
Covered
Ayush Benefit
In-patient hospitalization covered up to sum insured Coverage for Ayurvedic, Yoga & Naturopathy, Unani, Siddha and Homeopathy up to the limit of sum insured
Maxima Restore Super: Not Covered
Early Cover: Not Covered
Super Care: Not Covered
Covered
Maternity Benefits
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
Maxima Restore Super: Not Covered
Early Cover: Not Covered
Super Care: Not Covered
Covered (if opted by You.)
New Born baby cover
Covered within maternity expenses Not covered
Maxima Restore Super: Not Covered
Early Cover: Not Covered
Super Care: Not Covered
Covered (if opted by You.)
Organ Donor Expenses
Covered up to sum insured Covered up to sum insured
Maxima Restore Super: Covered
Early Cover: Not Covered
Super Care: Not Covered
Organ transplantation charges, including donor’s pre and post hospitalization expenses are covered and the limit is 5% of the amount claimed.
Vaccination (In case of post bite treatment)
Not covered Not covered
Maxima Restore Super: Not Covered
Early Cover: Not Covered
Super Care: Not Covered
Covered (if opted by You.)
Health Check-up
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
Maxima Restore Super: Covered
Early Cover: Covered
Super Care: Covered
Covered
Hospital daily allowance
Not Covered Not Covered
Maxima Restore Super: Covered
Early Cover: Covered
Super Care: Covered
Covered
Co-pay
Covered Covered
Maxima Restore Super: No Age based Co-Payment
Early Cover: No Age based Co-Payment
Super Care: No Age based Co-Payment
Covered
Pre-existing diseases coverage
Preferred plan & Premier plans covered after 24 months
Accumulate & Plus plans covered after 36 months
Protect plan covered after 48 months
Not Covered
Maxima Restore Super: 2 year waiting period for PED
Early Cover: 2 year waiting period for PED
Super Care: 3 year waiting period for PED & 2 year for Specific illness
Pre-existing Disease as defined in this policy shall not be covered until the number of months of continuous coverage as opted by you and mentioned in policy schedule
Restore Benefit
Up to 100% of Base sum insured per year Up to 100% of Base sum insured per year
Maxima Restore Super: Not Covered
Early Cover: Not Covered
Super Care: Not Covered
NIL restoration benefit
General waiting period
30 days 30 days
Maxima Restore Super: 30 days
Early Cover: 30 days
Super Care: 30 days
30 days
Renewal Benefit / Cumulative Bonus
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
Maxima Restore Super: 10% each claim free year (max 50%)
Early Cover: 10% each claim free year (max 50%)
Super Care: 10% each claim free year (max 50%)
You would be eligible for Cumulative Bonus at the time of renewal as mentioned in Your Policy Schedule
Emergency Air Ambulance
Not Covered Not Covered
Maxima Restore Super: Not Covered
Early Cover: Not Covered
Super Care: Not Covered
Air ambulance cover is provided in case of life threatening medical conditions requiring immediate transportation to the proximate hospital.
Available sum insured options
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
Maxima Restore Super: Rs.3 to 25 Lakhs
Early Cover: Rs.3 to 25 Lakhs
Super Care: Rs.3 to 25 Lakhs
Starting from Rs. 2 Lakh
Policy can be purchased for
1/2/3 years 1/2/3 years
Maxima Restore Super: 1/2/3 years
Early Cover: 1/2/3 years
Super Care: 1/2/3 years
1/2/3 years
Eligibility criteria
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
Adults from 18 to 80 years (dependent children will be covered till the age of 25 years)
Between the age group of 1 year and 60 years
Renewability
Renewal for whole life Renewal for whole life Renewal for whole life Renewal for whole life
Daily Cash for Accompanying an Insured Child
Not covered Not covered
Maxima Restore Super: Not Covered
Early Cover: Not Covered
Super Care: Not Covered
Covered
Claims loading
No Loading No Loading No Loading No Loading
Portablity
(At the time of renewal)
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

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