Reliance Health Insurance vs Manipal Cigna Health Insurance

After the onset of COVID-19, almost no one can say that they take their health for granted. The importance of physical and mental well-being and the duty to take care of oneself has finally received the spotlight it deserved. And what better way to honour your health than with health insurance? By getting it, you agree to protect the health of yourself and your loved ones without any compromises. Let this comparison guide of Reliance Health Insurance and Manipal Cigna Health Insurance show you why health insurance is an essential part of maintaining your well-being. 

Reliance Health Insurance vs Manipal Cigna Health Insurance – Overview 

Parameter Reliance Health InsuranceManipal Cigna Health Insurance
No. of health insurance policies10+10+
E-servicesPolicy salePolicy renewalClaim settlement Branch locatorOnline consultation24x7 customer servicePolicy salePolicy renewalClaim settlement Branch locatorOnline consultation24x7 customer support 
Branches130+47
Claim settlement ratio (CSR)94%89.50%
Cashless claim settlement time Unspecified2 hours
Hospital network7,000+6,500+

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

Health Insurance Policies: Reliance Health Insurance vs Manipal Cigna Health Insurance

Reliance Health Insurance, part of the reputed Reliance Group, offers over 10 health insurance policies for almost every health need. Whether you need post-accident hospital care, lifestyle disease care, mental healthcare, maternity care – you will find an insurance policy for it. 

Manipal Cigna Health Insurance, part of the prestigious Manipal Group and the Cigna Corporation, also offers over 10 health insurance policies. They have a diverse range of health insurance policies with the option to opt for extensive coverage. 

Top-up Insurance: 

Reliance Health Insurance has Health Infinity – a Top-up Policy that offers: 

  • Sums insured (SI) up to Rs. 1,00,00,000
  • The option to enhance the SI up to Rs. 30,00,000 
  • Global insurance protection up to Rs. 20,00,000
  • Deductible of 10% of the SI 
  • Coverage for: 
  • Pre and post-hospitalization 
  • In-patient hospitalization 
  • Domiciliary (home) hospitalization
  • Daycare procedures
  • Organ donor expenses 
  • Critical illness treatment 
  • Mental illness treatment 
  • AYUSH treatments – 
  1. Ayurveda
  2. Unani
  3. Siddha
  4. Homeopathy
  • Advanced technology treatments 
  • Pre-existing diseases after a 3-year waiting period 
  • Ambulance charges (with no sub-limits) 
  • Daily hospital cash 
  • Wellness benefits
  • Automatic restoration of the SI  

Manipal Cigna has Super Top-up Plan – a Top-up Policy called that offers: 

  • SI up to Rs. 30,00,000
  • Deductible amounts up to Rs. 10,00,000 
  • Coverage for:
  • Pre and post-hospitalization
  • In-patient hospitalization 
  • Daycare procedures
  • Organ donor expenses
  • AYUSH treatments 
  • Non-medical items 
  • Ambulance charges 
  • Pre-existing diseases after a 2-4 year waiting period 
  • A critical illness rider for 11 critical illnesses and their treatment. The critical illnesses include:
  • Cancer
  • Stroke 
  • Kidney failure 
  • Multiple sclerosis 

Hospital Cash Insurance: 

Reliance Health Insurance’s Daily Hospital Cash Policy called Hospi-Care gives:

  • Daily cash benefits up to Rs. 4,000 for up to 60 days of hospitalization 
  • Twice the cash benefit for intensive care unit (ICU) hospitalization 
  • Up to Rs. 10,00,000 for policy-listed surgical procedures 
  • Up to Rs. 20,000 for unlisted surgeries 
  • Up to Rs. 50,000 for daycare procedures 
  • Up to Rs. 20,000 for three vector-borne diseases:
  • Malaria
  • Dengue 
  • Chikungunya 

Manipal Cigna’s Daily Hospital Cash Policy called Pro-Health Cash offers: 

  • Daily cash benefits up to Rs. 5,000 for up to 180 days of hospitalization 
  • Twice the cash benefit on hospitalization due to an accident 
  • Thrice the cash benefit for ICU hospitalization
  • Five times the cash benefit towards a recovery benefit  
  • A compassionate and a companion benefit 
  • Worldwide coverage up to three times the benefit amount 
  • Coverage for pre-existing diseases after a 4-year waiting period 

COVID-19 Insurance:

Reliance Health Insurance and Manipal Cigna Health Insurance offer: 

  1. The Corona Kavach Policy 
  2. The Corona Rakshak Policy 

The Corona Kavach Policy offers: 

  • SI up to Rs. 5,00,000
  • Coverage for: 
  • Pre and post-hospitalization 
  • In-patient hospitalization
  • Domiciliary hospitalization
  • AYUSH treatments 
  • Comorbidities 
  • Ambulance charges 
  • Daily hospital cash 
  • 5% discount in premiums to healthcare workers (only provided by Manipal Cigna)

The Corona Rakshak Policy offers: 

  • SI up to Rs. 2,50,000
  • Lump-sum payout of the entire SI on:
  • The diagnosis of COVID-19
  • Minimum 72-hours of hospitalization
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