Cholamandalam Ms vs Manipal Cigna Health Insurance 2026

Overview

Chola MS General Insurance is a 2001 JV of the Murugappa Group and Mitsui Sumitomo (Japan), driven by its T3 philosophy—Trust, Transparency and Technology.

COMPANY DETAILS

✎ Edit

Cholamandalam Ms

✎ Edit

Manipal Cigna

Number of health insurance plans	No. of Plans 1 ❯	No. of Plans 9 ❯
Sum insured	Sum Insured Up to ₹ 5 Crore	Sum Insured Up to ₹ 3 Cr
Claim ratio	Claim Ratio 94%	Claim Ratio 93.70%
Network hospitals	Network Hospital 12000+	Network Hospital -+
Solvency Ratio	Solvency Ratio 2.18	Solvency Ratio 1.76
Pan India Presence	Pan India Presence 1500	Pan India Presence 77
Claim Form	Claim Form Available	Claim Form Available
Annual premium (company level)	Annual premium (company level) 1,155.97 Crore	Annual premium (company level) 1,797.56 Crore
Years in operation	Years in operation 2002	Years in operation 2012
24×7 claim support	24×7 claim support Yes	24×7 claim support Yes
Claims settled within 3 months	Claims settled within 3 months 93.70	Claims settled within 3 months 88.59
Recommended Videos	▶ Cholamandalam Health Insurance Review 2025 \| Chola MS Full Details ▶ Manipal Cigna Health Insurance \| DETAILED Review \| Plans, Benefits & Claim Process

Health Insurance Companies

Finding a reliable insurance company is as critical as purchasing suitable medical insurance plans to avail of all the expected benefits of the policy. Here are the 28 most trusted health insurance providers in India.

Star Health Insurance

Care Health Insurance

Aditya Birla Health Insurance

HDFC ERGO Health Insurance

Apollo Munich Health Insurance

Niva Bupa Health Insurance

ICICI Lombard Health Insurance

Tata AIG Health Insurance

Bajaj General Insurance

SBI Health Insurance

Royal Sundaram Health Insurance

ManipalCigna Health Insurance

Reliance Health Insurance

IFFCO Tokio Health Insurance

Future Generali Health Insurance

National Health Insurance

United India Health Insurance

New India Health Insurance

Navi Health Insurance

ACKO Health Insurance

Digit Health Insurance

ZUNO General Insurance

Universal Sompo Health Insurance

Liberty Health Insurance

Kotak Mahindra Health Insurance

Magma Health Insurance

Cholamandalam MS Health Insurance

Oriental Health Insurance

Raheja QBE MS Health Insurance

Galaxy Health Insurance

Narayana Health Insurance

Know More About Health Insurance Companies

Cholamandalam Health Insurance

Chola MS Flexi Health

Chola MS Flexi Health is a customizable health insurance plan, offering sum insured options up to INR 25 Lakh for individuals or f...

Avail SI up to 25L
Medical Second Opinion
Compassionate Travel Cover

Newborn baby cover
Ambulance cover
Recharge benefit

Illegal activities
Alcoholism
Obesity
and cosmetic procedures

Medical second opinion
Daily care benefit
AYUSH coverage

Min entry age: 18 Years
Max entry age: 65 Years
Initial Waiting Period: 30 Days
Sum Insured: Up to 25 L

View plan

ManipalCigna Health Insurance

ManipalCigna Prime Senior Plan

The ManipalCigna Prime Senior Policy provides comprehensive health insurance specifically designed for senior citizens, available ...

Modern treatment cover
Low waiting periods
Room category flexibility

Daily cash for shared accommodation
Air ambulance
Domestic second opinion
Unlimited 100% SI restoration

OPD cover
Maternity and newborn cover
Compassionate travel

Any room upgradation
Unlimited SI restoration
PEDs waiting period reduction
Domestic second opinion (Elite)

Entry age: 56 to 75 years
SI: 3 to 50 Lakhs
Policy term: 1/2/3 years
Initial waiting period: 30 days

View plan

Top Up and Super Top Up

ManipalCigna Super Top-up Plus Plan

The ManipalCigna Super Top-Up Plus Plan offers crucial additional health coverage, extending protection beyond a base policy's sum...

Choose any hospital room
Affordable premiums
Healthcare inflation protection

Pre-hospitalization cover
Post-hospitalization cover
Modern treatment cover
AYUSH hospitalization

Obesity/ weight control
Change of gender treatments
Hazardous or adventure sports
Maternity not covered
Newborn baby cover NA

Organ donor cover
Discounts on premium
30 days grace period
Deductible options

Entry Age - 91 days
Max Entry Age - No Limit
SI - 1 - 30 Lakhs
Waiting Period - 30 Days

View plan

Senior Citizen Health Insurance

ManipalCigna ProHealth Cash Plan

ManipalCigna's ProHealth Cash Plan provides a daily cash benefit for hospitalization expenses, available in Basic and Enhanced var...

Daily hospital cash benefit
Worldwide cover option
Multiple discounts available

Available in 2 variants
Sickness Hospital Cash Benefit
ICU Cash Benefit
Worldwide Cover

Breach of law
Suicide or an attempt to commit suicide
Alcoholism or drug abuse
Contamination from Nuclear fuel or radiation

Option to choose coverage period
Family discount
Online renewal discount
Long-term discount

Entry age- 91 days to 65 years
Coverage period- 60/90/180 days
Sum Insured- INR 500-5000

View plan

Individual and Family Health Insurance

ManipalCigna Arogya Sanjeevani Plan

ManipalCigna Arogya Sanjeevani is a standard, affordable health insurance policy available for individuals or families, covering u...

AYUSH treatment cover
Covers modern treatments
Affordable & available for all

Room rent covered ICU charges covered Pre-hospitalisation expenses covered Daycare treatment covered

Breach of law Hazardous or adventure sports Contamination from nuclear fuel/radiation Unproven treatments

AYUSH treatment Modern treatments Cataract treatment

Minimum Entry Age: 18 Years Maximum Entry Age: 65 Years Initial Waiting Period: 30 Days Sum Insured: Up to INR 10 Lakh

View plan

Accident Health Insurance

ManipalCigna Lifestyle Protection Accident Care Plan

ManipalCigna Lifestyle Protection Accident Care offers financial protection against accidents, providing a lump sum payout for acc...

Lump sum payout
Dependent children cover
Loss of income benefit

Accidental death covered
Permanent total disability
Education fund
Emergency ambulance cover

Any PEDs
Suicide or an attempt at suicide
Intentional self-injury
Breach of law

Burns cover
Broken bones benefit
Temporary total disability

Entry age- Child: 5 - 25 years; Adult: 18 - 80 years
Sum Insured: INR 50
000 - 10 Crores
Accidental injury/death: Day 1

View plan

Individual and Family Health Insurance

ManipalCigna Super Top-up Plan

ManipalCigna's Super Top-Up Plan offers additional health coverage, activating once an existing base policy's sum insured is deple...

Boost Your Health Coverage
Eligibility Criteria and Features
Inclusions & Exclusions

AYUSH treatment
Modern treatment cover
Organ donor expenses

Maternity cover
Global cover
No OPD cover
Domiciliary care unavailable

In-patient hospitalization
Pre & post-hospitalization
Daycare procedures cover

Entry age: 18 years to no upper age limit
Policy term: 1/2/3 years
Initial waiting period: 30 days
Sum Insured: 3 to 30 Lakhs

View plan

Individual and Family Health Insurance

ManipalCigna Lifetime Health Plan

The ManipalCigna Lifetime Health Plan is a comprehensive health insurance offering high sum insured options (Rs. 50 Lakh to Rs. 3 ...

Know About the Plan & its Variants
Explore the Features & Eligibility
Inclusions and Exclusions

Covers treatment costs for HIV/AIDS and STDs
Covers mental illness
Offers global coverage

Vaccination not covered
IVF treatment not covered
Air ambulance not covered

Option for deductibles
Domestic and international coverage options

Min entry age: 18 Years Max entry age: 65 Years Initial Waiting Period: 30 Days Sum Insured: Up to 3 Crore

View plan

Individual and Family Health Insurance

Critical Care Plan

ManipalCigna's Critical Care Plan offers financial support and a lump sum payment upon diagnosis of 15 or 30 major critical illnes...

CI Cover
Eligibility & Features
30 CI Cover

15 or 30 major illnesses
Medical second opinion
Online wellness program

No daily cash benefit
In-patient hospitalization
OPD unavailable
Daycare procedures

Basic & advanced add-on cover benefits
Organ donor expenses

Entry age: 18 to 65 years
SI: 1 L to 25 Cr
Policy term: 1/2/3 years
Waiting period: 90 days

View plan

Individual and Family Health Insurance

ManipalCigna Sarvah Plan

ManipalCigna Sarvah is a health plan targeting India's "missing middle" population with affordable, inclusive coverage against ris...

Comprehensive coverage
High sum insured
Customized benefits

Coverage for major illness
Reduced waiting period for pre-existing diseases
Unlimited restoration
Surplus benefits

Maternity benefit not covered
No global coverage
Daily hospital cash not covered

Tatkal benefit
Comprehensive personal accident cover
Gullak and Sarathi benefits

Entry Age: 91 days
Maximum Entry Age: No Limit
Sum Insured: Up to 3 Crore
Waiting Period: 30 days

View plan

Health Insurance Articles

LIC Health Insurance Plans 2026

Oct, 2026 →

Escalate Your Health Insurance Complaint in India: Step by Step Guide

Oct, 2026 →

Health Insurance vs Term Insurance vs Life Insurance

Oct, 2026 →

Universal Health Insurance in India

Sep, 2026 →

IRDAI New Rules 2026: Latest Health Insurance Guidelines Explained

Sep, 2026 →

Private Medical Insurance in India

Sep, 2026 →

See More Health Insurance Articles

Bima Insurance Trinity

Feb, 2025 →

Health Insurance Waiting Period

Aug, 2024 →

Which Health Insurer Has the Highest Premiums in India?

May, 2025 →

Health Insurance for Gen Z

May, 2025 →

AI In Health Insurance

Apr, 2025 →

Health Insurance Budget

Aug, 2024 →

See More Health Insurance Articles

Compare with Other Insurers

New India Health United India Future Generali Kotak Mahindra Oriental Health Acko Health Insurance Navi Health Digit Health Universal Sompo Tata Aig Bajaj General Star Health Shriram Health Insurance Company Apollo Munich Health Insurance Icici Lombard Iffco Tokio National Health Reliance Health Royal Sundaram Hdfc Ergo Sbi Health Niva Bupa Health Care Health Manipal Cigna Aditya Birla Edelweiss Health Insurance Liberty Health Magma Health Raheja Qbe Galaxy Health Narayana Health Insurance Prudential Health Insurance Health Insurance Vs Term Insurance Vs Life Insurance

New India Health United India Future Generali Cholamandalam Ms Kotak Mahindra Oriental Health Acko Health Insurance Navi Health Digit Health Universal Sompo Tata Aig Bajaj General Star Health Shriram Health Insurance Company Apollo Munich Health Insurance Icici Lombard Iffco Tokio National Health Reliance Health Royal Sundaram Hdfc Ergo Sbi Health Niva Bupa Health Care Health Aditya Birla Edelweiss Health Insurance Liberty Health Magma Health Raheja Qbe Galaxy Health Narayana Health Insurance Prudential Health Insurance Health Insurance Vs Term Insurance Vs Life Insurance

Expert Reviewed

Reviewed By: Raj Kumar

With over 12 years of rich experience in the BFSI domain, with a specialisation in Life and Health Insurance, I have played a pivotal role in simplifying the insurance-buying process and delivering unparalleled service.

Overview

Talk to India's Top Insurance Advisor

Health Insurance Companies

Trouble connecting with an insurance company?

Cholamandalam Health Insurance

ManipalCigna Health Insurance

Health Insurance Articles

Compare with Other Insurers