National Insurance Health Insurance vs Manipal Cigna Health Insurance

Are you looking to buy a health insurance policy that gives you all-round 360-degree coverage at the price you want? Trust leading insurance providers like National Insurance Company and Manipal Cigna Health Insurance to find a policy that offers you value for money and choice.

National Insurance Company versus Manipal Cigna Health Insurance – Overview 

ParameterNational Insurance CompanyManipal Cigna Health Insurance
Number of health insurance plans1311
E-servicesPolicy sale, Policy renewal, Claim settlement, Branch locator, Online consultation, 24×7 customer helpPolicy sale, Policy renewal, Claim settlement, Branch locator, Online consultation, 24×7 customer support
Branches173047
Claim settlement ratio85.47%89.50%
Claim settlement timeWithin 7 daysWithin 2 hours
Hospital network6,000+6,500+

Source: IRDAI Annual Report 2018-19 

Health Insurance Policies: National Insurance Company versus Manipal Cigna Health Insurance 

National Insurance Company offers 13 health insurance policies that cover the needs of individuals, families, students, and senior citizens. They provide coverage against accidents, critical ailments, and COVID-19. They also have policies for those who wish to study, holiday or pursue business/employment abroad. 

Manipal Cigna Health Insurance offers 11 health insurance policies that cover the needs of individuals, families, senior citizens, and corporate groups (employer-employee). They provide coverage against accidents, critical ailments, and COVID-19, among other health issues. 

Here’s a 3-plan comparison of National Insurance Company and Manipal Cigna Health Insurance 

Family Floater Policy 

National Insurance has 3 family floater policies:

  • National Super Top-up Policy
  • National Parivar Mediclaim Policy
  • National Parivar Mediclaim Plus Policy

These policies provide: 

  • A sum insured (SI) amount up to Rs.50,00,000 (50 lakhs)
  • Coverage for in-patient, pre, and post hospitalization 
  • Reimbursement of domiciliary hospitalization expenses 
  • Coverage for non-allopathic (AYUSH)# treatment 
  • Coverage for day-care procedures, organ donor transplant, and 12 advanced technology treatments
  • A maternity and newborn baby cover
  • Reimbursement of air and road ambulance expenses 
  • Reimbursement of expenses incurred for anti-rabies vaccination and vaccination of children (up to the age of 14 years)
  • Coverage for infertility and pre-existing diseases after the completion of the waiting period
  • Indemnification of expenses incurred for HIV/ AIDS treatment, morbid obesity treatment and correction of eyesight 

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

Manipal Cigna has 3 family floater policies: 

  • ProHealth Select (with 2 sub-covers) 
  • ProHealth Insurance (with 5 sub-covers)
  • Super Top-up (with 2 sub-covers)

These policies provide: 

  • A sum insured (SI) amount up to Rs.1,00,00,000 (1 crore)
  • Coverage for in-patient, pre, and post hospitalization 
  • Coverage for over 540 day-care procedures and domiciliary hospitalization
  • Coverage for organ donor expenses, AYUSH treatment, and modern technology treatment  
  • Coverage for maternity needs, newborn baby expenses and first-year vaccination
  • Coverage for ambulance expenses 
  • Health check-up, health rewards and health maintenance benefits (like dental treatment cover, cover for diagnostic tests, etc.)

Critical Illness Policy

National Insurance Critical Illness Policy offers: 

  • A sum insured (SI) amount up to Rs.75,00,000 (75 lakhs)
  • Coverage for up to 37 critical illnesses like cancer, permanent paralysis, third-degree burns, etc.
  • Lump-sum payment of SI upon diagnosis
  • Coverage for pre-existing diseases on payment of extra premium

Manipal Cigna Critical Illness Policy has 2 sub-covers – Critical Care Basic and Critical Care Enhanced. They offer:

  • A sum insured (SI) amount up to Rs.25,00,00,000  (25 crore)
  • Coverage for up to 30 critical illnesses like cancer, coma, first heart attack, kidney failure, etc.  
  • Lump-sum or staggered payment of SI upon diagnosis 
  • Coverage for a second medical opinion
  • Access to online wellness programs 

Arogya Sanjeevani Policy

National Insurance Arogya Sanjeevani Policy offers:

  •  A sum insured (SI) amount up to Rs.5,00,000 
  • Coverage for in-patient, pre, and post hospitalization 
  • Coverage for day-care procedures and AYUSH treatment 
  • 50% of SI for advanced surgical procedures and 25% of SI for cataract treatment  

Manipal Cigna Arogya Sanjeevani Policy offers:

  • A sum insured (SI) amount up to Rs.5,00,000 
  • Coverage for in-patient, pre, and post hospitalization 
  • Coverage for day-care procedures, AYUSH treatment, and advanced surgical procedures 
  • 25% of SI for cataract treatment 
  • Reimbursement of ambulance expenses (up to Rs.2000 per hospitalization) 

Based on the comparative features of National Insurance Company and Manipal Cigna Health Insurance, you can pick the right policy best matching your unique needs.

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