Manipal Signa Health Insurance vs Liberty Health Insurance

Picking the right health insurance policy can be time-consuming and confusing. To narrow down to a suitable insurance policy, comparing the benefits offered by different insurance companies can help. Trusted insurance companies like Manipal Cigna Health Insurance and Liberty Health Insurance provide a range of insurance policies that can fit your budget and needs. 

Manipal Cigna Health Insurance versus Liberty Health Insurance – Overview 

Parameter Manipal Cigna Health Insurance Liberty Health Insurance
Number of health insurance plans 11 9
E-services Policy salePolicy renewalClaim settlement Branch locatorOnline consultation24x7 customer support  Policy salePolicy renewal Claim settlement Branch locatorOnline consultation24x7 customer support 
Branches 47 110
Claim settlement ratio 89.50% 91%
Claim settlement time Cashless claim settlement within 2 hours Claim settlement at the earliest
Hospital network 6,500+ 5,000+


Source: IRDAI Annual Report 2018-19 

Health Insurance Policies: Manipal Cigna Health Insurance versus Liberty Health Insurance

Manipal Cigna Health Insurance offers eleven health insurance policies. These policies cover individual, family, senior citizen, and corporate groups (employer-employee) needs. Their plans provide coverage against critical illnesses, accidents, and COVID-19, among other health concerns.  

Liberty Health Insurance offers nine health insurance policies on an individual and on a family floater basis. Their plans provide coverage against accidents, critical illnesses and COVID-19, among other health problems. 

This Manipal Cigna Health Insurance and Liberty Health Insurance comparison guide will help you select a policy matching your needs. 

Arogya Sanjeevani Policy: 

Manipal Cigna Arogya Sanjeevani Policy offers: 

  • A sum insured (SI) amount ranging between Rs.1,00,000 and Rs.5,00,000 
  • Coverage for pre, post and in-patient hospitalization
  • Coverage for day-care treatment and non-allopathic (AYUSH) # treatment 
  • Coverage for modern treatments and advanced surgical procedures 
  • Coverage up to 25% of SI for cataract treatment 
  • Reimbursement of ambulance expenses (up to Rs.2000 per hospitalization) 
  • 5% cumulative bonus on a claim-free year 

# – AYUSH (Ayurveda, Yoga, Unani, Siddha, Homeopathy)

Liberty Health Insurance Arogya Sanjeevani Policy offers:

  • A sum insured (SI) amount ranging between Rs.1,00,000 and Rs.5,00,000 
  • Coverage for pre, post and in-patient hospitalization
  • Coverage for day-care treatment and non-allopathic (AYUSH) treatment 
  • 25% of SI for cataract treatment and 50% of SI for modern treatments 
  • Coverage for dental treatment and plastic surgery owing to disease/ injury
  • Road ambulance cover up to Rs.2,000 per hospitalization 
  • 5% cumulative bonus in a claim-free year 

Personal Accident Policy: 

Manipal Cigna Personal Accident Policy offers: 

  • 3 sub-plans (Basic, Enhanced and Comprehensive) and a Sum Insured (SI) amount ranging between Rs.50,000 and Rs.10,000,000
  • 100% lump-sum payout of the SI on accidental death or permanent total disability 
  • Up to 100% lump-sum payout of the SI on permanent partial disability 
  • 3 months of compensation in case of loss of employment 
  • 10% payment of the SI towards a child education benefit 
  • Coverage for funeral expenses and road ambulance costs 
  • Optional coverage for burns, broken bones and coma 

Liberty Health Insurance Personal Accident Policy offers: 

  • 100% payout of Sum Insured (SI) on accidental death 
  • 50%-100% payout of SI on permanent total disability 
  • Up to 70% of SI on permanent partial disability and temporary total disability 
  • Up to 100% payout of SI for broken bones 
  • Coverage for hospitalization expenses and daily hospital cash allowance 
  • Up to 100% payout of SI for the education of two dependent children 
  • Indemnification of transportation and funeral expenses 

Corona Kavach Policy: 

Manipal Cigna Corona Kavach Policy offers: 

  • A SI amount up to Rs.5,00,000
  • Coverage for in-patient hospitalization expenses
  • Indemnification of 15-day pre-hospitalization expenses and 30-day post-hospitalization expenses 
  • Coverage for AYUSH treatment and homecare treatment
  • 5% discount on premium payment to healthcare workers 

Liberty Health Insurance Corona Kavach Policy offers:

  • A SI amount between Rs.50,000 – Rs.5,00,000
  • Coverage for pre, post and in-patient hospitalization charges 
  • Coverage for AYUSH treatment and homecare treatment 
  • Optional add-on of daily hospital cash allowance (up to 0.5% of SI)

Now, you can choose between Manipal Cigna Health Insurance and Liberty Health Insurance and select an insurance policy as per your needs. You can also browse through similar comparisons of other companies offering such insurance plans. 

Manipal Cigna vs Liberty Health Insurance

What is permanent total disability?

Permanent total disability entails an injury caused by an accident and the consequence of which disables and prevents the policyholder from carrying out any business/occupation for a substantial or permanent period of time from the date of the accident.

What is an Arogya Sanjeevani Policy?

An Arogya Sanjeevani Policy is a standard plain vanilla health insurance policy mandated by the IRDAI that is offered by all insurance companies across India. This policy aims to provide health care at affordable premium rates and is in line with the IRDAIs mandatory directive.

Who is a dependent child as per the Personal Accident Policy?

A dependent child is a natural or legally adopted child who is financially dependent on the policyholder for survival and does not have his / her independent source of income. The age limit for dependent children is generally 25 years.