Office No. 402, 4th Floor, Marathon Nextgen Campus, Marathon Icon, Ganapatrao Kadam Marg, opposite Peninsula Corporate Park, Lower Parel, Mumbai, Maharashtra 400013
Star Health Insurance and Manipal Cigna Health Insurance are two top contenders in the Indian health insurance market. Both offer a variety of health plans tailored to meet the needs of individuals and families, with features like critical illness coverage, maternity benefits, and wellness programs. However, they differ in their claim settlement ratios, hospital networks, and policy offerings. Here’s a detailed comparison to help you decide which provider best meets your healthcare needs.
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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Star Health Insurance
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Manipal Cigna Health Insurance
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|---|---|---|
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Coverage Options
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Hospitalization, critical illness, maternity benefits, personal accident cover, wellness benefits
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Comprehensive hospitalization, critical illness, maternity benefits, wellness programs
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Premium Cost (₹)
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₹7 lakh to 1Cr.
Age - 91 days ti 18yrs. (Child)
18yrs. to 60yrs. (Adult)
Above 60 (senior citizen)
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₹7 lakh to 1Cr.
Age - 91 days ti 18yrs. (Child)
18yrs. to 60yrs. (Adult)
Above 60 (senior citizen)
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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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Covered up to Sum Insured (flexible options available)
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Covered up to Sum Insured
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Add-on Benefits & Riders
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Critical illness cover, maternity benefits, personal accident cover, wellness programs
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Critical illness cover, maternity benefits, wellness programs
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Digital Claim Tracking
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Available
|
Available
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Claim Settlement Ratio
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99.2%
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98.74%
|
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Customer Reviews
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Positive feedback for quick claim settlement, wide network hospitals, and affordable premiums
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Praised for prompt claim settlements and customer service
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Claim Settlement Process
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High claim settlement ratio of 99.2%, in-house claims team, digital claim tracking
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High claim settlement ratio of 98.74%, in-house claims team, digital claim tracking
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Benefit
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Star Health Insurance
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Manipal Cigna 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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Single Private AC (select plans)
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Single Private AC
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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, based on plan
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Alternative Treatments
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Covered under specific plans
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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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Covered
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Covered
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Organ Donor
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Covered
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Covered
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Emergency Ambulance
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Covered
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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 under specific plans
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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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Yes
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Yes
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Personal Accident
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Available
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Available
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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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No
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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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Add On
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Add On
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Best For:
Unique Advantages:
The decision between Star Health Insurance and Manipal Cigna Health Insurance depends on your specific needs:
Contact us today to learn more about which health insurance plan is best for your needs and budget.
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