Manipal Cigna vs New India Assurance Health Insurance

Compare Manipal Cigna vs New India Assurance Health Insurance Plans
Plan Type
Health
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  OR age    years
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Manipal Cigna New India
Claims Settlement Ratio ** 90.02% 97.32%
Number of Lives Covered * 1,101,000 8,75,61,000
Network Hospitals 6,500 + 3,000 +
  • * As per IRDAI report for 2018-19
  • ** As per NL25 data published on the Insurance Company website
Manipal Cigna Manipal Cigna New India Assurance New India Assurance New India Assurance New India Assurance
ProHealth ProHealth Select Mediclaim Premier Mediclaim Floater Mediclaim Arogya Sanjeevani
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 Covered Covered Covered Covered
Room Rent
Up to Single Private Room / Unlimited eligibility based on plan opted Covered up to Single Private Room Not exceeding 1% of the sum insured per day Covered Not exceeding 1% of the sum insured per day 2% of the sum insured subject to maximum of Rs.5,000 per day
ICU Charges
Covered up to sum insured Up to 4% of sum insured for ICU up to a max of 7,000 Not exceeding 2% of the Sum Insured per day Covered Not exceeding 2% of the Sum Insured per day Up to 5% of sum insured subject to maximum of Rs.10,000 per day
Pre-hospitalization
Up to 60 days Covered Up to 60 days Covered 30 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 30 days before the date of admission to the hospital
Post-hospitalization
Up to 90 days Covered Up to 90 days Covered 60 days after discharge from the hospital 90 days after discharge from the hospital 60 days after discharge from the hospital 60 days after discharge from the hospital
Day Care Procedures
500 plus listed Day Care treatments covered up to sum insured 171 procedures, covered up to full sum insured 139 Day Care procedures are covered Covered Covered Covered
Domiciliary Treatment
Treatment at home covered up to sum insured Covered up to sum insured Not Covered Not Covered Not Covered Not 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 1% of the Sum Insured Covered 1% of the Sum Insured Rs.2,000 per hospitalisation
Dental Treatment
Not covered Not covered Not Covered Not Covered Not Covered Dental treatment, necessitated due to disease or injury
Bariatric Surgery
Yes, if Bariatric surgery cover is opted Not covered Not Covered Not Covered Not Covered Not 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 Up to 25% of sum insured Up to 20% of Sum Insured Up to 25% of sum insured 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
5 Lakhs and Above: 10% of the sum insured(Waiting period: 36 months)
(Optional)
Plan A: Up to Rs.50,000
Plan B: Up to Rs.100,000
5 Lakhs and Above: 10% of the sum insured(Waiting period: 36 months)
(Optional)
Not Covered
New Born baby cover
Covered within maternity expenses Not covered Covered Covered for any Illness or Injury Covered Not Covered
Organ Donor Expenses
Covered up to sum insured Covered up to sum insured Covered Covered hospitalisation expenses
(excluding cost of organ)
Covered hospitalisation expenses
(excluding cost of organ)
Not Covered
Vaccination (In case of post bite treatment)
Not covered Not covered Not Covered Not Covered Not Covered Not Covered
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 Health check up for every 3 claim free years Health check up for every 3 claim free years Covered Not Covered
Hospital daily allowance
Not Covered Not Covered 0.1% Sum Insured per day, up to a maximum of 1% Sum Insured
Plan A: Rs.2,000 per day
Plan B: Rs.4,000 per day
0.1% Sum Insured per day, up to a maximum of 1% Sum Insured Not Covered
Co-pay
Covered Covered Option of Co-pay up to 20% on certain mediclaim plans NIL Co-pay under this plan NIL Co-pay under this plan 5% Co pay applicable on all claims
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 Covered after 4 years of continuous coverage Covered after 3 years of continuous coverage Covered after 4 years of continuous coverage Covered after 4 years of continuous coverage
Restore Benefit
Up to 100% of Base sum insured per year Up to 100% of Base sum insured per year NIL Restoration benefit NIL Restoration benefit NIL Restoration benefit NIL Restoration benefit
General waiting period
30 days 30 days 30 days 30 days 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 25% for every claim free year up to 50% of sum insured Not Covered 25% for every claim free year up to 50% of sum insured 5% for every claim free year up to 50% of sum insured
Emergency Air Ambulance
Not Covered Not Covered Not Covered Up to Rs.1,00,000 for any one illness Not Covered Not Covered
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
Rs.1 to 15 Lakhs Rs.15 Lakhs to 1 Crore Rs.2 to 15 Lakhs Rs.1 to 5 Lakhs
Policy can be purchased for
1/2/3 years 1/2/3 years 1/2/3 years 1/2/3 years 1/2/3 years 1 year
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 65 years (dependents 91 days to 17 years) Adults from 18 to 65 years (dependents 91 days to 17 years) Adults from 18 to 65 years (dependents 91 days to 17 years) Adults from 18 to 65 years (dependents 91 days to 17 years)
Renewability
Renewal for whole life 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
Not covered Not covered Not Covered Not Covered Not Covered Not Covered
Claims loading
No Loading No Loading No Loading No Loading No Loading No Loading
Portablity
(At the time of renewal)
Yes 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 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