Max Bupa Health insurance vs Manipal Cigna Health Insurance

Compare Max Bupa vs Manipal Cigna Health Insurance Plans
Plan Type
Health
Coverage type
Coverage State
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Coverage amount
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Policy duration
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Max Bupa Manipal Cigna
Claims Settlement Ratio ** 85.96% 90.02%
Number of Lives Covered * 54,33,000 1,101,000
Network Hospitals 4,500 + 6,500 +
  • * As per IRDAI report for 2018-19
  • ** As per NL25 data published on the Insurance Company website
Max Bupa Heartbeat Max Bupa premia Max Bupa Companion Max Bupa Go-Active Manipal Cigna Manipal Cigna
Heartbeat Premia Companion Go-Active ProHealth ProHealth Select
In-patient Treatment
Covered up to sum insured Covered up to sum insured Covered up to sum insured Covered up to sum insured
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
Gold: Covered up to Sum Insured (except for Suite or above room category)
Platinum: Covered up to Sum Insured
Silver and Gold: Covered up to Sum Insured (except for Suite or above room category)
Platinum: Covered up to Sum Insured
Covered up to Sum Insured (except for Suite or above room category)
4 Lakhs: Up to 1% of base sum insured per day
5 to 25 Lakhs : No restriction (except suite or above room category)(Limit included in Inpatient Care sum insured)
Up to Single Private Room / Unlimited eligibility based on plan opted Covered up to Single Private Room
ICU Charges
Covered up to sum insured Covered Covered
4 Lakhs: Up to 2% of base sum insured per day
5 to 25 Lakhs : No restriction (except suite or above room category)
Covered up to sum insured Up to 4% of sum insured for ICU up to a max of 7,000
Pre-hospitalization
60 days (Covered upto sum insured) 90 days before the date of admission to the hospital 30 days before the date of admission to the hospital 90 days before the date of admission to the hospital Up to 60 days Covered Up to 60 days Covered
Post-hospitalization
90 days (Covered upto sum insured) 180 days after discharge from the hospital 60 days after discharge from the hospital 180 days after discharge from the hospital Up to 90 days Covered Up to 90 days Covered
Day Care Procedures
Covered up to sum insured Covered up to sum insured Covered up to sum insured Covered up to sum insured 500 plus listed Day Care treatments covered up to sum insured 171 procedures, covered up to full sum insured
Domiciliary Treatment
Covered up to sum insured Covered up to sum insured Covered up to sum insured Covered up to sum insured Treatment at home covered up to sum insured Covered up to sum insured
Emergency Ambulance
Network Hospital: Covered up to Sum Insured
Non-network Hospital: Covered up to Rs.2,000 per event
Network Hospital: Covered up to Sum Insured
Non-network Hospital: Covered up to Rs.2,000 per event
Up to Rs.3,000 per hospitalisation Up to Rs.3,000 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 Out patient dental treatment is covered Covered except for inpatient hospitalization due to an Accident. Not covered Not covered Not covered
Bariatric Surgery
Not Covered
Silver: Not Available
Gold: Covered up to Rs.1,00,000
Platinum: Covered up to Rs.1,50,000
(waiting period 3 Years)
Not Covered Not Covered Yes, if Bariatric surgery cover is opted Not covered
Ayush Benefit
Covered Covered Covered up to reasonable and customary charges Covered Ayurveda, Unani, Sidha 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
Gold(5 Lakhs): Covered up to Rs.40,000
7.5 Lakhs: Covered up to Rs.60,000
10 Lakhs: Covered up to Rs.70,000
15 Lakhs: Covered up to Rs.75,000
20 Lakhs: Covered up to Rs.80,000
30 & 50 Lakhs: Covered up to Rs.1,00,000
Platinum - 15 Lakhs: Covered up to Rs.120,000
20 Lakhs: Covered up to Rs.160,000;
50 lakhs & 1 crore: Covered up to Rs.200,000
(After continuous coverage of 24 months, up to 2 pregnancy)
Silver - 5 Lakhs: Covered up to Rs.40,000
7.5 Lakhs: Covered up to Rs.60,000
Gold - 10 Lakhs: Covered up to Rs.70,000
15 Lakhs: Covered up to Rs.75,000
20 Lakhs: Covered up to Rs.80,000
30 & 50 Lakhs: Covered up to Rs.1,00,000
Platinum - 1 crore to 3 crores: Covered up to Rs.200,000
(After continuous coverage of 24 months, up to 2 pregnancy)
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
Covered up to sum insured Covered up to sum insured Not Covered Not Covered Covered within maternity expenses Not covered
Organ Donor Expenses
Covered up to sum insured Covered up to sum insured Covered up to sum insured Covered up to sum insured Covered up to sum insured Covered up to sum insured
Vaccination (In case of post bite treatment)
Not Covered Not Covered
Varient1(2 to 4 Lakhs): Up to Rs.2,500
Varient2(5 to 12.5 Lakhs): Up to Rs.5,000
Varient3( 15 to 100 Lakhs): Up to Rs.7,500(OPD benefit upto defined limit as part of overall limit)
Not Covered Not covered Not covered
Daily Cash for Accompanying an Insured Child
Not Covered Not Covered If an insured child aged 12 years or less is hospitalized. The company pays 0.25% of base sum insured and maximum of Rs.2,000 per day for one accompanying adult for 24 hours. If an insured child aged 12 years or less is hospitalized. The company pays 0.25% of base sum insured and maximum of Rs.2,000 per day for one accompanying adult for 24 hours. Not covered Not covered
Health Check-up
Gold - 5 Lakhs: Annually covered up to Rs.1,250 per insured person
7.5 Lakhs: Annually covered up to Rs.1,875 per insured person
10 to 50 Lakhs: Annually covered up to Rs.2,500 per insured person
(Minimum 48 hrs of continuous hospitalisation required. Maximum coverage offered for 30 days/policy year)
Platinum - 15 Lakhs: Annually covered up to Rs.3,750 per insured person;
20 Lakhs to 1 Crore : Annually covered upto Rs.5,000 per insured person
Silver(5 Lakhs): Covered up to worth Rs.1,250 per insured person
Silver(7.5 Lakhs): Covered up to worth Rs.1,875 per insured person
Gold(10 to 20 Lakhs): Covered up to worth Rs 2,500 per insured person
Gold(30 Lakhs): Covered up to worth Rs 5,000 per insured person
Gold(50 Lakhs): Covered up to worth Rs.7,500 per insured person
Platinum(1crore to 3Crores): Covered up to worth Rs.10,000 per insured person
Varient1(2 to 4 Lakhs): once in every 2years
Varient2 & Varient3: Once in every year
Available
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
Gold: Rs.3,000 per day
Platinum: Rs.6,000 per day
(Min 48hrs contineous hospitalisation required coverage offered for 30 days per policy year)
Silver: Rs.3,000 per day
Gold: Rs.5,000 per day
Platinum: Rs.7,500 per day
Varient1: Rs.1,000 per day
Varient2: Rs.2,000 per day
Varient3: Rs.4,000 per day
(Min 48hrs contineous hospitalisation required)
Not Covered Not covered Not covered
Co-pay
Options of 10% and 20% co-payment NIL co-pay for all inpatients, Up to 20% for OPD & other treatments NIL co-pay for all inpatients, 10% for OPD treatment NIL co-pay for all inpatients, Up to 20% for OPD & other treatments Covered Covered
Pre-existing diseases coverage
Pre-existing diseases covered after 2 years of continuous coverage Pre-existing diseases covered after 4 years of continuous coverage Pre-existing diseases for 2 to 4 Lakhs is covered after 4 years and for 5 to 100 Lakhs is covered after 3 years of continuous coverage Pre-existing diseases covered after 3 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
Up to 100% of Base Sum Insured per year Up to 100% of Base Sum Insured per year Up to 100% of Base Sum Insured per year Up to 100% of Base Sum Insured per year 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 30 days
Renewal Benefit / Cumulative Bonus
10% on base sum insured for every claim free year and up to 100% 10% on base sum insured for every claim free year and up to 100% 20% on base sum insured for every claim free year and up to 100% Not Covered
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
Gold: Not Covered
Platinum: Covered up to Sum Insured
Covered up to Sum Insured Not Covered Not Covered Not covered Not covered
Available sum insured options
Gold: 5 to 50 Lakhs
Platinum: 15 Lakhs to 1 Crore
Silver: 5 to 7.5 Lakhs
Gold: 10 to 50 Lakhs
Platinum: 1 to 3 crores
Varient1: 2 to 4 Lakhs
Varient2: 5 to 12.5 Lakhs
Varient3: 15 to 100 Lakhs
1 to 25 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 1/2/3 years 1/2 years 1/2/3 years 1/2/3 years 1/2/3 years
Eligibility criteria
Adults from 18 to 99 years (dependents 91 days to 17 years) Adults from 18 to 99 years (dependents 91 days to 17 years) Adults from 18 to 99 years (dependents 91 days to 17 years) Adults from 18 to 99 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 Renewal for whole life
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