Hdfc Ergo vs Manipal Cigna

HDFC My:Health Women Suraksha is a comprehensive policy designed to cater to the evolving health and well-being needs of today's women. The policy of...

Unique Features

• Cancer Cover
• Assault And Burn Cover
• 41 Critical Illness Cover

• Lifetime renewal
• Wellness Incentives
• Add-On Coverage

• Obesity or weight control
• Cosmetic surgeries
• Maternity cover
• Change of gender treatment

• Post Diagnosis Support
• Cancer Cover
• Major Illness Cover
• Surgical Procedure
• Critical Illness Cover

• Entry age: 18 to 65 years
• Sum insured: 1 Lakh to 1 Crore
• Policy term: 1/2/3 years

The Arogya Sanjeevani Policy from HDFC ERGO is a basic plan designed for individual or family floater coverage. It provides essential medical support ...

Unique Features

• 3 plan variants
• Double coverage
• E-opinion on critical illnesses

• Pre and post-hospitalization
• Doctor consultation
• AYUSH treatment
• Preventive health check-ups

• Maternity expenses
• Daily hospital cash
• Modern treatment
• Organ donor cover

• Family floater cover
• Sum Insured up to 10 Lakhs
• Lifelong renewability

• Min. Entry Age: 18 Years
• Max. Entry Age: 65 Years
• Sum Insured: Up to 10 Lakhs
• Initial Waiting Period: 30 Days

The HDFC ERGO Optima Secure Global plan offers vital and extended coverage both within and outside India, providing comprehensive protection without g...

Unique Features

• India & Worldwide Coverage
• High SI up to 2 Crores
• Aggregate Deductible Discounts

• Worldwide coverage
• high sum insured up to INR 2 Crores
• 4-level sum insured restoration benefit
• aggregate deductible discounts
• and no deductions on non-medical expenses.

• INR 10
• 000 deductible for overseas claims
• aggregate deductible applicable only in India
• no coverage for vaccinations
• maternity and newborn baby cover not included in the base plan.

• E-opinion for 51 critical illnesses
• availability of various add-on covers
• optional Overseas Travel Secure add-on.

• Entry Age: 18 to 65 Years Sum Insured: INR 1 Crore to INR 2 Crores Initial Waiting Period: 30 Days Policy Term: 1
• 2
• or 3 Years

The HDFC ERGO Optima Secure Plan is designed to provide policyholders with improved financial protection against rising healthcare costs. It offers up...

Unique Features

• 3 plan variants
• Double coverage
• E-opinion on critical illnesses

• Hospital Cash Benefit
• No Cost Instalment Option
• Restore Benefit
• Unlimited Restore

• Maternity cover NA
• Newborn care unavailable
• OPD cover unavailable

• Aggregate deductible discounts
• Disposables & consumables cover
• Worldwide cover

• Entry age: 18 years to no max limit
• SI: 5 Lakhs to 2 Crore
• Policy term: 1/2/3 years
• Initial waiting period: 30 days

The HDFC ERGO Personal Accident Insurance plan offers worldwide coverage and lifelong renewability. A key benefit of this plan is that it does not req...

Unique Features

• Worldwide coverage
• No pre-policy medicals
• Lifelong renewability

• Accidental Death
• Permanent Total Disability
• Broken Bones
• Burns

• Breach of law
• Pregnancy or childbirth
• Self-inflicted injury

• Ambulance costs
• Hospital cash
• Lump sum payout benefit
• Air ambulance cover

• Entry Age: 18 - 65 years
• Policy Term: 1/2/3 years
• Initial Waiting Period: None
• Sum Insured: 20 L - 10 Cr

The iCan Cancer Insurance is a cancer-specific plan offered by HDFC ERGO Health Insurance Company. It covers medical expenses incurred during the trea...

Unique Features

• Key Features
• Eligibility & Exclusions
• iCan Cancer Plan Sample Premiums

• Cancer cover
• In-patient hospitalization
• Ambulance cover

• Maternity cover
• Newborn cover
• Organ donor cover
• Global coverage

• COVID-19 cover
• Pre and post-hospitalization
• ICU charges

• Entry age: 5 to 65 years
• Policy term: 1 year
• Initial waiting period: 120 days

HDFC ERGO Health Suraksha Plan is a comprehensive plan from HDFC ERGO Insurance Company, providing 360-degree protection against rising medical expens...

Unique Features

• Key Features
• Eligibility & Age Restrictions
• Types of My:Health Suraksha Smart Plans

• Air ambulance cover
• Recovery benefit
• Infertility cover

• Vaccination cover unavailable
• Second medical opinion not available
• Maternity cover unavailable
• Newborn baby cover unavailable

• Family discount
• Long-term policy discount
• Loyalty discount

• Entry age: 18 years to no upper age limit
• Sum insured: 3 Lakh to 75 Lakh
• Policy term: 1/2/3 years
• Initial waiting period: 30 days

HDFC ERGO Health Insurance offers an Energy Diabetes plan, which is ideal for those suffering from Diabetes Type 1, Diabetes Mellitus Type 2, pre-diab...

Unique Features

• Personalized health coach option
• Get rewards to reduce your premiums
• Diabetes and Hypertension without waiting period

• Personal health coach
• Rewards for premium discount
• Diabetes and Hypertension cover

• ICU cover unavailable
• AYUSH treatment not covered
• OPD not covered
• Domiciliary treatment unavailable

• Organ donor cover
• Ambulance services
• Pre & post-hospitalization cover

• Entry age: 18 to 65 years
• Policy term: 1 year
• Initial waiting period: 30 days
• Sum insured: 2 L to 50 L

HDFC ERGO Health Insurance's Health Wallet plan is a comprehensive health insurance plan that not only ensures your health today but also secures your...

Unique Features

• Worldwide Emergency Care
• Avail 6% interest on un-used SI
• Cashless Homecare treatment

• Inpatient and outpatient cover
• OPD cover
• Domiciliary hospitalization

• Air ambulance
• E-consultations
• Health check-up
• Modern treatment cover

• Global coverage
• Daycare procedures
• Health check-up
• Vaccination charges

• Entry age: 18 to 65 years
• Initial waiting period: 30 days
• Sum insured: 3 to 50 Lakhs
• Policy term: 1/2/3 years

The HDFC Ergo Super Top-Up plan is an excellent option to ensure ample cover for the best medical treatment without restrictions. It complements your ...

Unique Features

• Plan Specifications
• Key Features & Benefits
• Quick Buying And Claim Process

• Day care procedures
• High sum insured
• 6-hour response guarantee

• Adventure sport injuries
• Self-inflicted injuries
• War

• Deductibles offered
• Covers family members
• Versatile plan

• Min entry age: 18 years
• Max entry age: 65 years
• Initial Waiting Period: 30 days
• Sum Insured: Up to 20 Lakhs

HDFC ERGO Koti Suraksha is a health insurance plan that provides a sum insured of up to INR 1 crore. The Koti Suraksha Plan by HDFC ERGO Insurance Com...

Unique Features

• High sum insured
• Health and wellness plan
• Emergency worldwide coverage

• Air ambulance
• OPD cover
• Domiciliary hospitalization
• Emergency global coverage

• Vaccination not covered
• Modern treatment unavailable
• Maternity & newborn baby care unavailable

• In-patient hospitalization
• Daycare procedures
• Health check-up cover

• Entry age: 18 to 65 years
• Sum insured: 50 Lakhs & 1 Crore
• Waiting period: 30 days
• Policy term: 1/2/3 years

HDFC ERGO Optima Restore Policy is HDFC ERGO's best-selling plan since its launch. It offers comprehensive health cover to you and your family under t...

Unique Features

• Recovery benefit
• SI restoration
• Waiting period reduction

• Restore benefit
• 2X Multiplier benefit
• Renewal discounts

• AYUSH not covered
• OPD cover unavailable
• Global health cover

• Recovery benefits
• Organ donor cover
• In-patient and out-patient hospitalization

• Entry Age: 18 - 65 Years
• Sum Insured: 3 | 5 | 10 | 15 | 20 | 25 | 50L
• Initial Waiting Period: 30 Days

HDFC ERGO Optima Lite Health Insurance Plan is an affordable health insurance policy that provides necessary health insurance coverage to individuals ...

Unique Features

• 100% Cumulative Bonus Benefit
• No Room Rent Limits
• Affordable Entry-Level Health Cover

• Affordable premiums
• Unlimited restore benefit
• No disease-wise sub-limits

• Low sum insured options (₹5L–₹7.5L)
• Room rent cap (1% SI) causing deductions
• Not suitable for metro/high-cost treatment needs

• Preventive health check-up every year after 1st renewal
• Covers non-medical expenses (optional Protect benefit)
• Daily cash allowance for shared room hospitalisation

• Entry age: 91 days (children) to 18 years (adults)
• No maximum age limit
• Available for individual and family floater (self
• spouse
• children
• parents)

Senior citizens are often susceptible to various health conditions that require comprehensive medical care. Providing them with health insurance that ...

Unique Features

• 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

Buying health insurance that provides 360-degree coverage against medical emergencies for you and your family is essential today. ManipalCigna ProHeal...

Unique Features

• 360 Degree Family Coverage
• Additional Wellness Programs
• OPD Charges Covered

• Bariatric surgery
• Maternity coverage
• Newborn baby cover
• Daily cash benefits

• Compassionate travel
• Copayment unavailable
• Sub-limits not applicable

• Air ambulance cover
• OPD available
• Domiciliary hospitalization

• Entry age: 18 years to no max limit
• SI: 5 L to 1 Cr
• Policy term: 1/2/3 years
• Initial waiting period: 30 days

A gift of better healthcare for the golden years of life!The ManipalCigna Prime Senior Elite plan is specially designed for the senior citizens of you...

Unique Features

• Modern treatment cover
• Flexible health check-ups
• Air ambulance cover

• In-patient hospitalisation
• Daycare treatment
• Domiciliary hospitalisation
• Sum insured restoration
• Organ donor expense coverage

• Cataract not covered
• Sports injury cover
• Cosmetic treatment unavailable
• Baldness not covered
• Higher co-pays applicable

• AYUSH treatment cover
• Second e-opinion covered
• Multiple discounts available
• OPD add-on cover available
• COVID-19 treatment cover

• Entry Age: 56 - 75 years
• Sum Insured: INR 5 - 50 Lakhs
• Waiting Period: 30 days

"Your Health Deserves Better!" Get safeguarded with a health plan that provides all-around healthcare facilitation. ManipalCigna Prime Protect plan is...

Unique Features

• Customizable health benefits
• High-value covers
• Health reward discounts

• In-patient hospitalisation
• Daycare treatment
• Domiciliary hospitalisation
• Sum insured restoration
• Organ donor cover

• Adventure sport injuries
• Cosmetic treatment
• Alcoholism/drug abuse
• Self-inflicted injury

• Optional covers
• Add-ons available
• Unlimited benefits up to SI
• Bariatric surgery cover
• AYUSH treatment cover

• Child Entry Age: 91 days - 25 Years; Adult Entry Age: 18 Years - No Limit; Sum Insured (SI): INR 3 Lakhs - 1 Crore; Waiting Period: 30 days

"It's Super Easy, Super Affordable." ManipalCigna Super Top-up Plus Plan is an additional protection that you can buy to expand your base health plan�...

Unique Features

• 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

ManipalCigna ProHealth Cash Policy: Your financial safety net, anytime, anywhere. The ManipalCigna ProHealth Cash plan offers financial support during...

Unique Features

• 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

Protect your family with the ManipalCigna Arogya Sanjeevani Policy! The ManipalCigna Arogya Sanjeevani Policy is a standard health insurance plan that...

Unique Features

• AYUSH treatment cover
• Covers modern treatments
• Affordable & available for all

• <ul> <li>Room rent covered</li> <li>ICU charges covered</li> <li>Pre-hospitalisation expenses covered</li> <li>Daycare treatment covered</li> </ul>

• <ul> <li>Breach of law</li> <li>Hazardous or adventure sports</li> <li>Contamination from nuclear fuel/radiation</li> <li>Unproven treatments</li> </ul>

• <ul> <li>AYUSH treatment</li> <li>Modern treatments</li> <li>Cataract treatment</li> </ul>

• <ul> <li>Minimum Entry Age: 18 Years</li> <li>Maximum Entry Age: 65 Years</li> <li>Initial Waiting Period: 30 Days</li> <li>Sum Insured: Up to INR 10 Lakh</li> </ul>

The ManipalCigna Lifestyle Protection Accident Care plan comes in three variants which ascend in coverage options (which you'll read about in the spec...

Unique Features

• 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

ManipalCigna Health Insurance offers additional coverage with its Super Top-up plan, complementing your existing health insurance policy. This plan pr...

Unique Features

• 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

ManipalCigna Lifetime Health Insurance is a reliable health insurance plan that prioritizes your healthcare needs. It offers a multitude of comprehens...

Unique Features

• 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

ManipalCigna Health Insurance Company offers its Critical Illness policy, which is a global plan that assures financial support during critical times ...

Unique Features

• 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

'Sahi Health Insurance Chuno, SADA SECURE RAHO' Yep, that's right, this is what ManipalCigna's new Sarvah plan talks about. With this plan, ManipalCig...

Unique Features

• 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