Raheja QBE Health Insurance vs Manipal Signa Health Insurance

Nowadays, health insurance is becoming more and more of an all-inclusive necessity. Several insurance companies offer a range of health plans at affordable rates. With a little bit of research on the internet, you can compare different health plans and find the one fitting your budget and needs. Start with this Raheja QBE Health Insurance and Manipal Cigna Health Insurance comparison guide.

Raheja QBE Health Insurance versus Manipal Cigna Health Insurance – Overview

Parameter Raheja QBE Health Insurance Manipal Cigna Health Insurance
Number of health insurance plans 14 11
E-services Policy sale
Policy renewal
Claim settlement 
Branch locator
Online doctor consultation
24×7 customer support 
Policy sale
Policy renewal
Claim settlement 
Branch locator
Online doctor consultation
24×7 customer support 
Branches 12+ 47
Incurred claim ratio 33% 54%
Hospital network 5,000+ 6,500+


Source: IRDAI Annual Report 2018-19 

Health Insurance Policies: Raheja QBE Health Insurance and Manipal Cigna Health Insurance

Raheja QBE has 14 health insurance policies to choose from. They have a diverse range of policies. From covering critical illnesses, all-stage cancer, accidents, COVID-19, etc. to the needs of individuals, families, group and even Indians travelling to foreign countries, Raheja QBE aims to provide all-round coverage. 

Manipal Cigna has 11 comprehensive health insurance policies. These policies provide coverage for individual, family (including senior-citizen), multi-individual and group (employer-employee) needs. They offer separate plans to secure you against critical illnesses, accidents, COVID-19 etc.

Below is a comparison of Raheja QBE Health Insurance versus Manipal Cigna Health Insurance and three of their insurance plans. After learning about the key offerings of both insurance companies, you can select the one suiting your needs the best. 

Arogya Sanjeevani Policy:

An Arogya Sanjeevani Policy is a standard health insurance policy that you can avail of at an affordable premium rate. 

Raheja QBE’s Arogya Sanjeevani Policy offers: 

  • Sum insured (SI) between Rs.1 lakh and Rs.5 lakhs
  • Coverage for pre, post and in-patient hospitalization charges
  • Coverage for AYUSH treatment and daycare procedures
  • Provision of EMI facility to make payment of premium 
  • The Policy on individual and family floater basis

Manipal Cigna’s Arogya Sanjeevani Policy offers: 

  • Sum insured (SI) between Rs.1 lakh and Rs.5 lakhs
  • Coverage for pre, post and in-patient hospitalization charges
  • Coverage for AYUSH treatment, modern treatment, and daycare procedures
  • Coverage for cataract treatment and dental treatment owing to an illness/injury
  • Coverage for road ambulance services (up to Rs.2 thousand per hospitalization)
  • The Policy on individual and family floater basis

Personal Accident Policy:

Raheja QBE’s Personal Accident Policy offers: 

  • Separate policies for individual and groups
  • Payment of full SI on death or permanent total disability owing to accidents
  • A specific percentage of payment of SI for permanent partial disability and temporary total disability
  • Compensation for ambulance charges, funeral expenses
  • Compensation in the event of job loss as a result of permanent total disability

Manipal Cigna’s Personal Accident Policy offers: 

  • Three sub-plans (Basic, Enhanced and Comprehensive)
  • SI amount up to Rs.10 crores
  • 100% lump-sum payout of SI on death or permanent total disability owing to accidents
  • Up to 100% lump-sum payout of SI on permanent partial disability 
  • Payment of 10%-100% of SI for burns (depending on the degree of burns)
  • Provision of orphan benefit (payment of 100% SI in case of death of both parents)
  • Compensation up to 3 months in case of job-loss
  • Payment of 10% of SI as child education benefit 

Corona Kavach Policy:

The mandatory directive of the IRDAI states that all insurance companies must provide coverage against COVID-19. In pursuance, the companies are offering the Corona Kavach and Corona Rakshak policies to for 3.5, 6.5 or 9.5 months. 

Raheja QBE’s Corona Kavach Policy offers: 

  • The Policy to individuals, families and corporate groups
  • SI between Rs.50 thousand and Rs.5 lakhs
  • Coverage for pre, post and in-patient hospitalization
  • Coverage for homecare treatment and AYUSH treatment
  • Optional add-on of daily hospital cash allowance 

Manipal Cigna’s Corona Kavach Policy offers: 

  • SI up to Rs. 5 lakhs 
  • Coverage for in-patient hospitalization, homecare treatment and AYUSH treatment
  • Indemnification of pre and post hospitalization charges 
  • 5% discount to healthcare workers
  • Coverage for ambulance charges
  • Optional add-on of daily hospital cash allowance 

This Raheja QBE Health Insurance and Manipal Cigna Health Insurance guide aim to ease your purchasing decision. For more clarity, reach out to a professional insurance expert before buying health insurance.