ManipalCigna Health Insurance vs. Niva Bupa Health Insurance

ManipalCigna Health Vs. Niva Bupa Health Insurance

ManipalCigna and Niva Bupa Health Insurance offer coverage for hospitalization, COVID-19, critical illnesses, daycare procedures, ambulance charges, and more. In addition, access to high-quality medical facilities and hospitalisation costs can be difficult financially, given the rising cost of medical expenses. Therefore, getting health insurance coverage from ManipalCigna or Niva Bupa for you and your family can give you the extra security you require in these trying times.

Beyond the obvious advantage of being able to care for your loved ones with financial security, ManipalCigna or Niva Bupa health insurance is very helpful in combating the inflation of medical treatment costs. While ManipalCigna Health Insurance offers cashless hospitalization at 8500+ network hospitals, Niva Bupa Health Insurance offers 10,000+ network hospitals.

Continue reading to learn more about ManipalCigna Health Insurance and Niva Bupa Health Insurance in detail!

What is ManipalCigna Health Insurance?

ManipalCigna health insurance offers a wide range of health insurance services covering individual insurance products, critical illness, group Mediclaim, family floater, personal accident, top-up, and more to meet diverse medical needs. With its ground-breaking goods and services, ManipalCigna Health Insurance has made a name for itself in the healthcare sector, serving more than 93,000 clients.

By facilitating simple access to high-quality healthcare without encountering any financial hardships, ManipalCigna is dedicated to delivering health, wellness, and peace of mind to its clients. The Health Insurance by ManipalCigna is renowned for providing a variety of alluring features and advantages, including the switch-off benefit and premium waiver advantage. Additionally, it provides special health insurance options for elderly people, serious illnesses, and accidents. ManipalCigna Health Insurance has a solid track record not only in providing insurance products but also in quick and simple claims, with over 93, 000 satisfied customers and cashless approval settled within 2 hours.

Information on Niva Bupa Health Insurance

Niva Bupa Health Insurance has a significant market presence. It serves a wide range of health insurance products for everyone, including individuals, senior citizens, families, women, parents, self-employed individuals, and children. It has more than 10,000 network hospitals. Another plus is that Niva Bupa’s health insurance is renowned for providing a painless claims process. People with a variety of health needs and financial capacities can receive medical coverage through Niva Bupa health insurance. The health insurance by Niva Bupa provides you with advantages like prolonged pre- and post-hospitalization benefits, no room rent cap, cumulative bonus, and more.

Essential Features and Benefits of ManipalCigna Health Insurance

Due to the rising cost of healthcare, finding affordable healthcare and paying for hospital stays can be difficult financially. Therefore, obtaining health insurance for you and your family can give you the extra security you require in situations like these. In addition to the obvious advantage of being able to care for your loved ones with financial security, having health insurance is very helpful for fighting the inflation of medical costs.

Additional Benefits of Free Health Check-ups:

ManipalCigna Health Insurance offers customers the benefit of free health check-ups. The benefit may be used by customers once annually or once every two to four years.

Additional Protection over Employer Coverage:

Group health insurance is typically provided to employees by their employers. On the other hand, many group health insurance products on the market might not offer the necessary coverage benefits or adequate coverage. To supplement their employer’s insurance, ManipalCigna Health Insurance provides employees with independent health insurance options at reasonable premiums.

Cashless Benefit:

For the benefit of your cashless claim, ManipalCigna has partnered with some of India’s most renowned hospitals. When you submit a cashless claim, the insurance provider pays your medical costs right away rather than you having to. ManipalCigna offers customers simple access to cashless claims by collaborating with top hospitals.

Coverage Against Medical Expenses:

The health insurance by ManipalCigna provides coverage for inpatient hospitalisation, day care procedures, organ donor treatments, at-home therapies, ambulance services, and other costs. Additionally, ManipalCigna health insurance provides the insured with emergency worldwide coverage, extending their global reach of coverage.

Personal Accident Cover:

Additionally, ManipalCigna Health Insurance provides personal accident coverage, which includes a 100% payout of the insured amount in the event of accidental death or permanent total disability, emergency ambulance coverage, benefits for orphans, funeral costs, a fund for children’s education, and benefits for broken bones, comas, burns, and temporary total disability.

Daily Hospital Cash:

When your base insurance does not cover daily hospital expenses, ManipalCigna health insurance offers daily hospital cash that can be useful. In the course of the 1, 2, or 3-year health insurance period, the days can range from 60 to 90 to 180.

What Features and Benefits Does Niva Bupa Health Insurance Has to Offer?

Niva Bupa Health insurance comes with several benefits, which include cover for several medical expenses, tax benefits under Section 80D of the Income Tax Act, 1961, cover for critical illnesses, cashless claim benefits, additional protection over and above employer’s coverage, etc. Given below are some major benefits that you can avail of under the Niva Bupa health insurance.

Pre-Hospitalisation and Post-Hospitalisation Expenses:

The costs associated before and after you are admitted to the hospital for the same disease are referred to as pre-hospitalization and post-hospitalization expenses. These costs include visits to the doctor, diagnostic tests, prescribed medications, etc., as well as costs associated with follow-up visits.

Coverage of Medical Expenses:

All of the major medical expenses during medical emergencies, such as inpatient hospitalisation, pre-hospitalization and post-hospitalization costs, road ambulance costs, daycare costs, medical costs, domiciliary costs, organ donor costs, etc., will be covered by Niva Bupa health insurance.

Auto Recharge Function:

Financial limitations pose a real hardship in the event of a medical emergency. The Niva Bupa health insurance benefits can offer you quick, user-friendly auto-recharge facilities if your health insurance sum insured runs out and you need to refill it.

Organ Donor Expenses:

Another major feature and benefit of considering Niva Bupa Health insurance is that it keeps you secured from medical expenses arising due to organ donor expenses.

Advanced Medical Niva Bupa:

Your financial worries will be taken care of by the Niva Bupa health insurance benefits, which also cover a variety of contemporary medical procedures like robotic surgery. In addition to this, it will cover all of the major medical costs as well as other health problems like HIV/AIDS and Covid 19.

Lifetime Renewability:

Lifetime renewability benefits are among the features of Niva Bupa health insurance. You can continue to be covered throughout by renewing your health insurance on or before the due date if you pay the premium on time.

Tax Benefits:

Along with all of Niva Bupa’s other advantages, Section 80D of the Income Tax Act of 1961 gives you tax breaks on your insurance premium payments. Please note that the tax benefits are only accessible if the payment is made other than in cash.

Understand Differences Between ManipalCigna Health Insurance and Niva Bupa Health Insurance

It’s crucial to purchase health insurance for you and your family because, especially in the private sector, medical care is expensive. Being hospitalised can break the bank and ruin your finances. If the person who brings in the money is currently resting in a hospital bed, it will be even more difficult. If you are confused between Niva Bupa and ManipalCigna Health Insurance, then listed below is the comparison table that will clear all your doubts.

Key AspectsManipalCigna Health InsuranceNiva Bupa Health Insurance
Cashless Network HospitalsManipalCigna Health Insurance has a dedicated list of 8500+ cashless network hospitals, making medical facilities easily accessible.Niva Bupa Health Insurance has 10, 000+ network hospitals under its hood, thereby ensuring you won’t face difficulty in finding a hospital near you.
Happy CustomersWith their robust and quick customer support, the Health Insurance by ManipalCigna has 93,000+ happy customers.Niva Bupa Health Insurance, on the other hand, has more than 1 Crore+ happy customers.
Critical IllnessThe critical illness benefit is covered under the ManipalCigna Health Insurance.With the Health Insurance by Niva Bupa, the critical illness facility is available.
Incurred Claim RatioThe claim settlement ratio of ManipalCigna Health Insurance is 76.17 (FY 21-22) as per the IRDAI Report.On the flip side, Niva Bupa Health Insurance has a claim settlement ratio of 62.12 (FY 21-22) from the IRDAI report.
Tax BenefitsThere are tax benefits offered with ManipalCigna Health Insurance.With the Health Insurance by Niva Bupa, customers can easily avail of tax benefits, allowing them to save money.
No. of Health PlansThere are 18 health insurance plans under ManipalCigna Health Insurance.There are 10 plans under Niva Bupa Health Insurance.
Awards & Recognition

Leader in Customer Engagement Initiative 2023.

Best CX Strategy of the Year 2023

Best Health Insurance Company 2023.

Best Customer-Centric Company 2023.

ManipalCigna Health Insurance Certified as a “Great Place to Work”.

The Most Innovative Insurer 2023.

The Health Insurance Company of the Year Award – Awarded at the U.K. Health Insurance Awards 2009.

Best International Private Medical Insurance Provider 2008 – Awarded at the U.K. Health Insurance Awards.

Best Medical Insurer Company (2008, Bupa Arabia) – Awarded at the Jeddah Chamber of Commerce and Industry Health Committee Awards.

Best Healthcare Provider of the Year – Awarded at the U.K. Corporate Adviser Awards 2009.

Best Individual Private Medical Insurance Provider – Awarded at the U.K Money Marketing Awards 2009

Pre and Post-HospitalisationWith ManipalCigna Health Insurance, the pre-and post-hospitalisation expenses are also CoveredBoth pre-and post-hospitalisation expenses are covered under the Niva Bupa Health Insurance.
Preventive health checkupsDoes the ManipalCigna Health Insurance cover pre-health check-ups? Well, yes, it does.The Health Insurance by Niva Bupa also covers health checkups.
Mobile AppThere is a dedicated “myManipalCigna App” that allows you to easily modify, pay premiums, and renew your Manipal Cigna Health Insurance.Niva Bupa Health Insurance offers the “Niva Bupa Health” app.
Worth of Claims SettledSince its inception, ManipalCigna Health Insurance has settled claims of worth Rs. 2,093.Niva Bupa Health Insurance has settled a claim Worth Rs. 1,141 crores to date.
Premium StartingManipalCigna Health Insurance starts from ₹ 42 per day.Customers can easily get Niva Bupa Health Insurance, starting from ₹20/day.

Which Health Insurance Should You Choose: ManipalCigna or Niva Bupa Health Insurance?

As you can see, both ManipalCigna Health Insurance and Niva Bupa Health Insurance offer incredible health coverage to customers, making them a valid option among customers seeking health insurance.

If you are looking for health insurance with the greatest network of hospitals across the country along with less premium, then you can consider Niva Bupa Health Insurance. On the other hand, if you want to buy health insurance with a good claim settlement ratio, then ManipalCigna Health Insurance will serve the purpose.

Before you run into any health insurance, ensure you check their website and go through customer testimonials to make a lucrative investment.

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