Office No. 402, 4th Floor, Marathon Nextgen Campus, Marathon Icon, Ganapatrao Kadam Marg, opposite Peninsula Corporate Park, Lower Parel, Mumbai, Maharashtra 400013
Aditya Birla Health Insurance and Manipal Cigna Health Insurance are both prominent players in the Indian health insurance market, offering a wide variety of plans designed to cater to individual needs. Both insurers provide a range of benefits, but they differ in their approach to coverage, claim settlement processes, and additional features. Below is a detailed comparison based on expert advice and available data. For personalized assistance, reach out to our insurance advisors for customized health insurance quotes tailored to your requirements.
Our insurance advisor can provide you with more information about these plans. Based on your requirements, we will send you a customized health insurance quote.
Very Easy 3 step Process
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Comparison Factor
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Aditya Birla Health Insurance
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Manipal Cigna Health Insurance
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|---|---|---|
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Coverage Options
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Comprehensive hospitalization, critical illness, wellness rewards, maternity benefits, annual health check-ups.
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Hospitalization, critical illness cover, wellness benefits, annual health check-ups, mental health coverage
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Premium Cost (₹)
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₹7 lakh to 1Cr.
Age - 91 days to 18yrs. (Child)
18yrs. to 60yrs. (Adult)
Above 60 (senior citizen)
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₹7 lakh to 1Cr.
Age - 91 days to 18yrs. (Child)
18yrs. to 60yrs. (Adult)
Above 60 (senior citizen)
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Claim Settlement Process
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High claim settlement ratio of 97.97%, in-house claims team, app-based claim tracking for faster processing.
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High claim settlement ratio of 98.74%, transparent claim processing, digital tracking for real-time updates
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Network Hospitals
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10,000+
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10,000+
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Room Rent Limit
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Up to sum insured (select plans); flexibility with premium add-ons
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Up to sum insured
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Add-on Benefits & Riders
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Critical illness cover, wellness rewards, personal accident cover, maternity benefits
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Critical illness cover, wellness benefits, hospital daily cash, personal accident cover
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Digital Claim Tracking
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Available
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Available
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Claim Settlement Ratio
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97.97%
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98.74%
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Customer Reviews
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Positive reviews for wellness rewards, digital claims support, and high settlement ratio.
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Positive reviews for quick claims processing, extensive network hospitals, and helpful customer service
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Benefit
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Manipal Cigna Health Insurance
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Aditya Birla Health Insurance
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|---|---|---|
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Inpatient Care
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Up to Sum Insured
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Up to Sum Insured
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Eligible Room Category
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Covered up to Single Private A/C Room
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Single Private AC or higher
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Pre-hospitalization Expenses
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30 days, Up to Sum Insured
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30 days, Up to Sum Insured
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Post-hospitalization Expenses
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60 days, Up to Sum Insured
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60 days, Up to Sum Insured
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Alternative Treatments
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Up to Sum Insured
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Covered under specific plans
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Day Care Treatment
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Up to Sum Insured
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Up to Sum Insured
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Home Care / Domiciliary Hospitalization
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Up to Sum Insured
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Covered
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Organ Donor
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Up to Sum Insured
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Covered
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Emergency Ambulance
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Up to Sum Insured
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Covered
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No Claim Bonus
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Up to Sum Insured
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Up to Sum Insured
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Vaccination for Animal Bite
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Not Covered
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Covered
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Health Checkup
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Yes
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Yes
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Advanced Health Check-up
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As per package
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As per package
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Personal Accident
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Add-On
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Add-On
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Health Returns
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Available
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Available
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Co-payment
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Optional, varies with policy type
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No
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PED Waiting Period
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24 months
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24 months
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Modern Treatments
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Yes
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Yes
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Air Ambulance
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Available as Add-On
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Available as Add-On
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The decision between Aditya Birla Health Insurance and Manipal Cigna Health Insurance ultimately depends on your personal priorities:
Contact us today to learn which health insurance plan is best for your needs and budget.
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