Home / Compare health insurance / Reliance vs Manipal Cigna Health Insurance

Reliance vs Manipal Cigna Health Insurance

Compare Reliance vs Manipal Cigna 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 
Reliance Manipal Cigna
Claims Settlement Ratio ** 80.61% 90.02%
Number of Lives Covered * 22,48,000 1,101,000
Network Hospitals 4,000 + 6,500 +
  • * As per IRDAI report for 2018-19
  • ** As per NL25 data published on the Insurance Company website
reliance reliance reliance reliance Manipal Cigna Manipal Cigna
HealthGain Healthwise Health Infinity Arogya Sanjeevani ProHealth ProHealth Select
In-patient Treatment
Covers hospitalisation expenses due to an disease/illness/injury Covers hospitalisation expenses due to an disease/illness/injury Covered, No sub-limits 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
Covered Covered Covered 2% of sum insured, maximum up to Rs.5,000 per day Up to Single Private Room / Unlimited eligibility based on plan opted Covered up to Single Private Room
ICU Charges
Covered Covered Covered 5% of sum insured, maximum up to 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
Up to 60 days
Standard: 30 days before the date of admission to the hospital
Silver & Gold: 60 days before the date of admission to the hospital
Covered up to 90 days Up to 30 days Up to 60 days Covered Up to 60 days Covered
Post-hospitalization
Up to 60 days
Standard: 60 days after discharge from the hospital
Silver & Gold: 90 days after discharge from the hospital
Covered up to 90 days Up to 60 days Up to 90 days Covered Up to 90 days Covered
Day Care Procedures
Covered Covered Covered, No sub-limits All day care procedures are covered 500 plus listed Day Care treatments covered up to sum insured 171 procedures, covered up to full sum insured
Domiciliary Treatment
Up to 10% of base sum insured,subject to maximum of Rs.50,000 Limited to 10% of Sum Insured Covered, No sub-limits Not Covered Treatment at home covered up to sum insured Covered up to sum insured
Emergency Ambulance
Plan A: Up to Rs.1,500
Plan B: Rs.3,000 per hospitalisation
Standard: 500 per hospitalisation
Silver: 750 per hospitalisation
Gold: 1,000 per hospitalisation
Covered, No sub-limits Up to 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 Dental treatment, necessitated due to disease or an injury Not Covered Dental treatment, necessitated due to disease or an injury Not covered Not covered
Bariatric Surgery
Not covered Not covered Not covered Not covered Yes, if Bariatric surgery cover is opted Not covered
Ayush Benefit
Not Covered Not Covered ​Covered, No Sub limits Covered 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
Not covered Not covered 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
Not covered Not covered Not covered Not covered Covered within maternity expenses Not covered
Organ Donor Expenses
​50% of Sum Insured up to maximum Rs.5 Lakhs
Standard: Not Covered
Silver & Gold: Covered
​Covered, No Sub-imits 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 Not covered
Health Check-up
Covered
Individual: Covered up to 1% of sum insured
Family Floater: Covered up to 1.25% of sum insured
Annual health check-up is avilable 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
Not Covered
Standard & Silver: No Covered
Gold: Rs.250 per day up to 7 days
Not Covered Not Covered Not covered Not covered
Co-pay
NIL for insureds below 61 years/ 20% co-pay for ages above 61 years Not Covered NIL for Regular Treatments / Up to 50% for Special Treatments 5% Co-pay applicable on all claims Covered Covered
Pre-existing diseases coverage
Covered after a waiting period of 3 years
Standard: Covered after a waiting period of 4 years
Silver & Gold: covered after 2 years of continuous coverage
Covered after a waiting period of 3 years Covered after a waiting period of 4 years 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 under certain plans NIL restoration benefit Up to 100% of Base Sum Insured per year under certain plans NIL restoration benefit 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
33.33% increase in Base Sum Insured for every claim free year; maximum up to 100% 5% on base sum insured for every claim free year and up to 20% Not Covered 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
Not covered Not covered Not covered Not covered Not covered Not covered
Available sum insured options
Plan A: Rs.3 to 9 Lakhs
Plan B: Rs.12 lac,15 lac & 18 Lakhs
Rs.1 to 5 Lakhs Rs.3 Lakhs to 1 Crore 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 year 1 year 1/2/3 years​ 1 year 1/2/3 years 1/2/3 years
Eligibility criteria
5 years onwards, Dependent children between 91 days to 5 years can be covered only if both parents are covered under the policy Adults from 18 to 65 years (dependents 3 months to less than 18 years) Adults from 18 to 65 years (dependents 3 months to less than 25 years) Adults from 18 to 65 years (dependents 3 months to less than 25 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
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

Compare other health insurance plans

Compare Health Benefit Plans

India health insurance blogs and articles

health insurance India
Tips for buying best mediclaim insurance

India health insurance tips and tricks to choose the best medical insurance in India.. Continue reading

Top reasons for health insurance claims rejection

Find out the different reasons why a medical insurance claim is rejected, Cashless hospitalization, Reimbursement.. Continue reading

India health insurance coverage, factors and premium calculator

Factors for medical insurance in India, How much is the premium and the coverage offered by India health insurance plans..Continue reading

Health insurance useful links

How to buy online?

You can buy insurance online by using a credit/debit card, direct funds transfer using NEFT or RTGS or by using a cheque

Know more »

Health Insurance Benefits

Indian Mediclaim Insurance Benefits

Know more »

Compare health plans

Compare Indian health insurance policies, Health insurance India comparison


Know more »

India health insurance Blogs

E India Insurance - Blog

Know more »

Insurance Articles

Health Insurance Articles


Know more »

Health insurance FAQ

FAQ related to Indian health insurance. Get answers for any health insurance questions


Know more »

India Health Insurance Partners

  • Tata Aig
  • bajaj-allianz
  • reliance
  • cholamandalam
  • religare health Insurance
  • apollo
  • Star Health
  • max bupa
  • future generali
  • hdfc ergo
  • cigna ttk
  • universal sompo
  • SBI
  • iffco tokio
  • Cigna TTK
  • Icici Prudential
  • Ageon
  • Edelweiss
  • Max Lifw
  • TATA AIA Logo
  • kotak health Insurance Plans
  • go digit
  • bharti axa health Insurance Plans
  • Oriental Logo
  • New India Logo
  • Hdfc
  • Raheja QBE health Insurance Plans
-

ONLINE CHAT

Keep in touch

  • Address

    InstantCover Insurance Web Aggregator Private limited
    710, 6th B Cross, 16th Main Road, Koramangala 3rd Block, Bangalore - 560 034.

  • +91-(80)-41101026
  • Send an email
CIN: U66000KA2018PTC117713 | IRDAI Web aggregator License Code Number: IRDAI / INT / WBA /53/ 2018, Valid till 07/08/2022