Manipal Cigna vs Oriental Health Insurance

Compare Manipal Cigna vs Oriental Health Insurance Plans
Plan Type
Health
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Manipal Cigna Oriental
Claims Settlement Ratio ** 90.02% 99.48%
Number of Lives Covered * 1,101,000 3,03,25,000
Network Hospitals 6,500 + 4,300 +
  • * As per IRDAI report for 2018-19
  • ** As per NL25 data published on the Insurance Company website
Manipal Cigna Manipal Cigna Oriental Oriental Oriental
ProHealth ProHealth Select Individual Mediclaim Happy Floater 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
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
Silver & Gold: 1% of the sum insured per day
Diamond: Rs.10,000 and 0.5% of the sum insured above Rs.10 lakhs 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
Silver & Gold: 2% of the sum insured per day
Diamond: Rs.20,000 and 1% of the sum insured above Rs.10 lakhs 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 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 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 Covered Covered Covered
Domiciliary Treatment
Treatment at home covered up to sum insured Covered up to sum insured Covered up to sum insured Covered up to sum insured 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 Rs.2,000 or 1% of the sum insured not exceeding Rs.4,000
Silver: Rs.1,000 per illness and 1% of the sum insured subject to maximum Rs.3,000 per policy period
Gold: Rs.2,000 per illness and Rs.6,000 per policy period
Diamond: Rs.3,000 per illness and Rs.8,000 per policy period
Rs.2,000 per hospitalisation
Dental Treatment
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
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 Covered 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 Not Covered
Silver & Gold: Not Covered
Diamond: COvered up to 2.5% of the sum insured
Not Covered
New Born baby cover
Covered within maternity expenses Not covered Not Covered
Silver & Gold: Not Covered
Diamond: Covered up to 2.5% of the sum insured up to 90 days from the date of birth
Not Covered
Organ Donor Expenses
Covered up to sum insured Covered up to sum insured Covered Lumpsum payment of 10% of the sum insured. Not Covered
Vaccination (In case of post bite treatment)
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 Not Covered Not Covered Not Covered
Hospital daily allowance
Not Covered Not Covered 0.1% of the sum insured per day subject to maximum of 6 days per insured person
Silver: Not Covered
Gold: 0.1% of Sum Insured (Rs.600 to RS.1,000) per day of Hospitalisation,subject to a maximum compensation for 10 days per Illness. Overall liability of the Company during the Policy Period will be limited to 1.5% of the Sum Insured
Diamond: 0.1% of Sum Insured (Rs.1,200 to RS.2,000) per day of Hospitalisation,subject to a maximum compensation for 10 days per Illness. Overall liability of the Company during the Policy Period will be limited to 1.5% of the Sum Insured
Not Covered
Co-pay
Covered Covered Option of Voluntary Co-pay of 10% or 20% with premium reduction Mandatory Co-pay of 10% up to 70years / Additional 20% above 70 years 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 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
General waiting period
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 Not Covered Not Covered 5% for every claim free year up to 50% of sum insured
Emergency Air Ambulance
Not Covered Not Covered Not Covered 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 10 Lakhs
Silver: Rs.2 to 5 Lakhs
Gold: Rs.6 to 10 Lakhs
Diamond: Rs.12 to 20 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 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)
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
Not covered Not covered Not Covered Not Covered Not Covered
Claims loading
No Loading No Loading Loading 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