Office No. 402, 4th Floor, Marathon Nextgen Campus, Marathon Icon, Ganapatrao Kadam Marg, opposite Peninsula Corporate Park, Lower Parel, Mumbai, Maharashtra 400013
Manipal Cigna Health Insurance and Future Generali Health Insurance are both popular choices, each catering to different coverage needs and preferences. Below is a detailed side-by-side comparison to help you make an informed choice. For a tailored quote, connect with our insurance advisors.
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
|
Comparison Factor
|
Manipal Cigna Health Insurance
|
Future Generali Health Insurance
|
|---|---|---|
|
Coverage Options
|
Hospitalization, critical illness, maternity benefits, preventive health check-ups, wellness benefits
|
Hospitalization, critical illness, maternity cover, and limited wellness benefits
|
|
Premium Cost (₹)
|
₹2 Lakh to ₹1 Cr
Age: 91 days to 25 yrs. (child), 18 yrs. to 65 yrs. (adult), Above 65 (senior citizen)
|
₹3 Lakh to ₹50 Lakh
Age: 91 days to 25 yrs. (child), 18 yrs. to 65 yrs. (adult), Above 65 (senior citizen)
|
|
Claim Settlement Process
|
High claim settlement ratio of 98.74%, app-based tracking, and efficient in-house claims support
|
80.5% claim settlement ratio, app-based tracking, limited processing support
|
|
Network Hospitals
|
6,500+
|
4,000+
|
|
Room Rent Limit
|
Up to sum insured
|
Capped based on plan
|
|
Add-on Benefits & Riders
|
Critical illness cover, personal accident cover, maternity benefits, and wellness rewards
|
Limited add-ons, including critical illness rider and personal accident cover
|
|
Digital Claim Tracking
|
Available
|
Limited
|
|
Claim Settlement Ratio
|
98.74%
|
80.5%
|
|
Customer Reviews
|
Positive reviews for high claim ratio, broad coverage, and digital support
|
Mixed reviews, noted for affordability but limited claim processing support
|
|
Benefit
|
Manipal Cigna Health Insurance
|
Future Generali Health Insurance
|
|---|---|---|
|
Inpatient Care
|
Up to Sum Insured
|
Up to Sum Insured
|
|
Eligible Room Category
|
Single Private AC
|
Based on plan
|
|
Pre-hospitalization Expenses
|
60 days, Up to Sum Insured
|
30 days, based on plan
|
|
Post-hospitalization Expenses
|
180 days, Up to Sum Insured
|
60 days, based on plan
|
|
Alternative Treatments
|
Up to Sum Insured
|
Limited by plan
|
|
Day Care Treatment
|
Up to Sum Insured
|
Limited by plan
|
|
Home Care / Domiciliary Hospitalization
|
Up to Sum Insured
|
Limited by plan
|
|
Organ Donor
|
Up to Sum Insured
|
Limited by plan
|
|
Emergency Ambulance
|
Up to Sum Insured
|
Capped per plan
|
|
No Claim Bonus
|
Up to 50% additional coverage
|
Limited, varies by plan
|
|
Vaccination for Animal Bite
|
Not Covered
|
Not Covered
|
|
Health Checkup
|
Yes
|
Yes
|
|
Advanced Health Check-up
|
Available
|
Not Available
|
|
Personal Accident
|
Add-On
|
Add-On
|
|
Health Returns
|
Available through wellness rewards
|
Not Available
|
|
Co-payment
|
No
|
Required in some plans
|
|
PED Waiting Period
|
36 months
|
36 months
|
|
Modern Treatments
|
Yes
|
Limited to select plans
|
|
Air Ambulance
|
Add On
|
Not Available
|
Best For:
Unique Advantages:
The choice between Manipal Cigna Health Insurance and Future Generali Health Insurance depends on your individual preferences:
Contact us today to learn more about which health insurance plan is best for your needs and budget.
There are 29 lakh insurance agents and 1.5 lakh financial consultants in India. But BTW Financial services and IMF offer you something that most don’t.
