Aditya Birla Health Insurance vs Manipal Cigna Health Insurance

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Aditya Birla Health Insurance versus Manipal Cigna Health Insurance – Overview 

ParameterAditya Birla Health Insurance Manipal Cigna Health Insurance
Number of health insurance plans10+11
E-servicesPolicy salePolicy renewalClaim settlementOnline consultationBranch locator24x7 customer supportPolicy salePolicy renewalClaim settlement Branch locatorOnline consultation24x7 customer support 
Branches65047
Claim settlement ratio (CSR)93.68%89.50%
Cashless claim settlement timeWithin 2 hoursWithin 2 hours
Hospital network7,000+6,500+ 

*Source: IRDAI Annual Report 2018-19 

Health Insurance Policies: Aditya Birla Health Insurance versus Manipal Cigna Health Insurance 

Aditya Birla Health Insurance offers over 10 health insurance policies that cover the needs of individuals, families, senior citizens and corporate groups. Their policies also provide coverage against COVID-19, critical illnesses, accidents, cancer, chronic illnesses, among other health issues. 

Manipal Cigna Health Insurance offers 11 health insurance policies that cover the needs of individuals, families, senior citizens, and corporate groups. Their policies also provide coverage against critical illnesses, accidents, and COVID-19, among other health eventualities. 

Family Floater Policy:

Aditya Birla has 3 Family Floater Policies: 

  • Activ Health Platinum – Essential and Enhanced 
  • Activ Assure Diamond 

They provide: 

  • A sum insured (SI) amount up to Rs.2,00,00,000 (2 crore)
  • Cover for pre, post and in-patient hospital care 
  • Cover for home care treatment and non-allopathic (AYUSH) treatment
  • Cover for over 500 day-care procedures, organ donor expenses, chronic diseases, and vaccination expenses  
  • Cover for road and air ambulance expenses
  • Health returns that give back 30% of the premium paid 
  • 100%-150% reload on the sum insured per year 
  • Option to add accident and cancer cover 

Manipal Cigna has 3 family floater policies – ProHealth Select, ProHealth Insurance, and Super Top-up. 

They provide: 

  • A sum insured (SI) amount up to Rs.1,00,00,000 (1 crore)
  • Cover for pre, post and in-hospital care 
  • Cover for over 540 day-care procedures, modern/advanced treatment, and organ donor expenses
  • Cover for homecare treatment and non-allopathic (AYUSH) treatment
  • A maternity and newborn baby cover
  • Cover for road ambulance costs (up to Rs.2,000 per hospitalization) 
  • Health rewards that give back 20% of the premium paid 
  • Worldwide protection in case of emergency 

Personal Accident Policy: 

Aditya Birla Personal Accident Policy provides: 

  • 100% payment of the sum insured (SI) in case of accidental death and permanent total disability 
  • Up to 100% payment of the SI in case of permanent partial disability
  • A weekly benefit of up to Rs.50,000 for up to 100 weeks in case of temporary total disability
  • 10% of SI towards a child education benefit and orphan benefit of one/ more dependent children
  • An option to add cover for broken bones, coma and burns
  • A cover for funeral expenses and road ambulance expenses 
  • A modification benefit, repatriation of benefit and a compassionate visit benefit

Manipal Cigna Personal Accident Policy provides: 

  • A SI amount up to Rs.10,00,00,000
  • 100% payment of the SI in case of accidental death and permanent total disability 
  • Up to 100% payment of the SI in case of permanent partial disability 
  • 10%-100% payout of the SI for burns, broken bones and coma  
  • An orphan benefit that gives 100% payment of the SI to one/ more dependent children 
  • 3 months compensation equivalent to the salary of the policyholder in case of job loss 
  • 10% payment of the SI towards a child education benefit 

Daily Hospital Cash Policy: 

A Daily Hospital Cash Policy is to cover ancillary hospitalization expenses.  

Aditya Birla Daily Hospital Cash Policy provides: 

  • A daily hospital cash benefit for 30-60 days per policy year (between Rs.500 – Rs.10,000 per day of hospitalization)
  • Twice the amount of hospital cash in case of ICU hospitalization/hospitalization due to an accident 
  • A wellness coach for guidance on nutrition, fitness and lifestyle 

Manipal Cigna Daily Hospital Cash Policy provides: 

  • A sum insured (SI) amount between Rs.500 – Rs.5,000 per day of hospitalization for up to 180 days per policy year
  • Access to online wellness programs and worldwide coverage 

With the help of the comparative study of Aditya Birla Health Insurance and Manipal Cigna Health Insurance and 3 of their popular health insurance policies, you can make an informed buy.