Niva Bupa Health Insurance vs Manipal Cigna Health Insurance: Which Is The Better?

Niva Bupa and Manipal Cigna Health Insurance are two well-known insurers in India, offering diverse plans for individuals and families. While both emphasize comprehensive healthcare coverage, they vary in their claim settlement ratios, network hospitals, and additional benefits. Here’s a detailed comparison to help you choose the best health insurance plan for your needs.

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Niva Bupa vs. Manipal Cigna Health Insurance Comparison Table

Comparison Factor	Niva Bupa Health Insurance	Manipal Cigna Health Insurance
Coverage Options	Hospitalization, critical illness, maternity benefits, alternative treatments	Hospitalization, critical illness, maternity benefits, OPD, and wellness programs
Premium Cost (₹)	₹7 lakh to 1Cr. Age - 91 days 18yrs. (Child) 18yrs. to 60yrs. (Adult) Above 60 (senior citizen)	₹7 lakh to 1Cr. Age - 91 days 18yrs. (Child) 18yrs. to 60yrs. (Adult) Above 60 (senior citizen)
Claim Settlement Ratio	92.3%	98.74%
Network Hospitals	10,000+	10,000+
Room Rent Limit	Covered up to Sum Insured	Covered up to Sum Insured
Add-on Benefits & Riders	Critical illness cover, maternity benefits, air ambulance	Critical illness cover, wellness programs, global coverage options
Digital Claim Tracking	Available	Available
Customer Reviews	Praised for affordability and network hospitals	Recognized for efficient claims and global benefits

Detailed Benefits Comparison Table

Benefit	Niva Bupa Health Insurance	Manipal Cigna Health Insurance
Inpatient Care	Up to Sum Insured	Up to Sum Insured
Eligible Room Category	Single Private AC	Single Private AC
Pre-hospitalization Expenses	30 days, Up to Sum Insured	30 days, Up to Sum Insured
Post-hospitalization Expenses	60 days, Up to Sum Insured	60 days, Up to Sum Insured
Alternative Treatments	Covered under specific plans	Covered under specific plans
Day Care Treatment	Up to Sum Insured	Up to Sum Insured
Home Care / Domiciliary Hospitalization	Covered	Covered
Organ Donor	Covered	Covered
Emergency Ambulance	Covered	Covered
No Claim Bonus	Up to Sum Insured	Up to Sum Insured
Vaccination for Animal Bite	Covered under specific plans	Covered under specific plans
Health Checkup	Yes	Yes
Advanced Health Check-up	Available	Available
Personal Accident	Add-On	Add-On
Health Returns	Available	Available
Co-payment	No	No
PED Waiting Period	36 months	36 months
Modern Treatments	Yes	Yes
Air Ambulance	Add On	Add On

Choose the best health insurance

Best For:

Niva Bupa Health Insurance: Ideal for families seeking affordability, a large hospital network, and competitive premiums.
Manipal Cigna Health Insurance: Great for those requiring global coverage and extended pre- and post-hospitalization benefits.

Unique Advantages:

Niva Bupa Health Insurance: Affordable premiums, extensive network hospitals, and a high no-claim bonus.
Manipal Cigna Health Insurance: High claim settlement ratio, global healthcare options, and tailored wellness programs.

Which Health Insurance Should You Choose?

Your choice between Niva Bupa and Manipal Cigna Health Insurance depends on your priorities:

Choose Niva Bupa Health Insurance if affordability and a vast network of hospitals are key factors.
Choose Manipal Cigna Health Insurance if you prefer a higher claim settlement ratio, global coverage, and robust wellness benefits.

Contact us today to learn more about which health insurance plan is best for your needs and budget.

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Niva Bupa Health Insurance vs Manipal Cigna Health Insurance: Which Is The Better?

Niva Bupa vs. Manipal Cigna Health Insurance Comparison Table

Detailed Benefits Comparison Table

Choose the best health insurance

Which Health Insurance Should You Choose?

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