Niva Bupa (Max Bupa) Health Insurance vs Manipal Cigna Health Insurance

Even though the vaccine is out, right now, staying at home is your best bet for maintaining your health. This is because most states are facing a shortage of vaccines, and it will be some time before there will be a restock. At such a crucial time, it is vital to take all steps to protect yourself and others, even if that means preparing for the worst-case scenario. A step that can secure you and your loved ones is buying health insurance after comparing the benefits offered by insurers such as Niva Bupa (Max Bupa) Health Insurance and Manipal Cigna Health Insurance, and others. 

Niva Bupa (Max Bupa) Health Insurance vs Manipal Cigna Health Insurance – Overview

Parameter Niva Bupa (Max Bupa) Health Insurance Manipal Cigna Health Insurance
No. of health insurance policies 10+ 10+
E-services Policy salePolicy renewalClaim settlementOnline consultationBranch locatorAssistive chat services Policy salePolicy renewalClaim settlement Branch locatorOnline consultation24x7 customer support 
Branches 25+ 47
Claim settlement ratio (CSR) 92% 89.50%
Cashless claim settlement time 30 minutes  2 hours
Hospital network 5,000+ 6,500+

Source: The Insurance Regulatory and Development Authority of India’s (IRDAI) Annual Report – 2019-20. 

Health Insurance Policies: Niva Bupa (Max Bupa) Health Insurance vs Manipal Cigna Health Insurance

Both, Niva Bupa (Max Bupa) Health Insurance and Manipal Cigna Health Insurance offer over 10 health insurance policies. They have high claim paying abilities (as seen from their CSR in the table above) and quick turnaround times for claim settlement. Their policies cater to the individual, familial, senior-citizen, and corporate group health needs. 

Top-up Insurance: 

Niva Bupa (Max Bupa) has 2 top-up insurance policies: 

  • Health Recharge 
  • Money Saver 

These policies offer: 

  • Sums insured (SI) up to Rs. 1,00,00,000
  • Affordable premium prices 
  • Deductible options up to Rs. 10,00,000 for co-payment of the SI 
  • Coverage for: 
  • Pre and post-hospital care  
  • In-patient hospital care  
  • Domiciliary hospital care  
  • Daycare procedures 
  • AYUSH treatments including: 
  1. Ayurveda
  2. Unani
  3. Siddha
  4. Homeopathy
  • Organ donor expenses 
  • Mental illnesses and their treatment 
  • HIV/ AIDS treatment 
  • Advanced treatments 
  • Artificial life maintenance equipment 
  • Daily hospital cash 
  • Ambulance charges
  • Pharmacy and diagnostic services 
  • E-consultation
  • Optional personal accident and critical illness covers 
  • 100% restoration of the SI on exhaustion 

Manipal Cigna’s Top-up Policy called the Super Top-up Plan offers: 

  • SI up to Rs. 30,00,000
  • Deductible amounts up to Rs. 10,00,000 for co-payment of the SI
  • Low premium prices  
  • Coverage for:
  • Pre and post-hospital care
  • In-patient hospital care  
  • AYUSH treatments 
  • Daycare procedures
  • Organ donor expenses
  • Non-medical items 
  • Road ambulance charges 
  • Pre-existing diseases after a waiting period 
  • A critical illness rider for 11 critical illnesses 

Critical Illness Insurance: 

Niva Bupa (Max Bupa)’s Critical Illness Policy, called Criticare offers: 

  • SI up to Rs. 2,00,00,000
  • 100% payout of the SI on the diagnosis of a policy listed critical illness 
  • Coverage for:
  • 20 life-threatening illnesses and surgical procedures such as: 
  1. Cancer 
  2. Kidney failure
  3. Major burns
  4. Loss of speech
  5. Open heart surgery
  6. Bone marrow transplant 
  • In-patient hospitalization
  • Diagnostic tests/ procedures 
  • Prosthetic implants 
  • Ambulance charges 
  • 10% of the SI for physiotherapy care 

Manipal Cigna’s Critical Illness Policy called ‘Lifestyle-Protection Critical Care’ offers: 

  • SI up to Rs. 25,00,00,000
  • Lump-sum or staggered payout options 
  • 100% of the SI on the diagnosis of a policy listed critical illness 
  • Worldwide protection
  • Coverage for up to 30 life-threatening illnesses and surgical procedures such as: 
  1. Cancer
  2. Kidney failure 
  3. Liver failure 
  4. Permanent paralysis 
  5. Aorta graft surgery
  6. Open-chest CABG
  • A second medical opinion

Saral Suraksha Bima: 

The Saral Suraksha Bima is a standard accident insurance policy offered by all insurers, including Niva Bupa (Max Bupa) Health Insurance and Manipal Cigna Health Insurance. The insurance policy shares similar features and includes: 

  • SI options up to Rs. 1,00,00,000
  • 100% of the SI on the death of the insured due to an accident
  • Up to 100% of the SI on permanent total disablement of the insured 
  • Up to 50% of the SI on permanent partial disablement of the insured 
  • Add-on coverage for:
  • Temporary total disablement
  • Education expenses of the insured’s children
  • In-patient hospitalization expenses 
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