Kotak Mahindra vs Manipal Cigna

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Overview

Zurich Kotak General Insurance offers health insurance plans for individuals and families, covering hospitalization, daycare treatments, and medical expenses. The company focuses on simple plans, flexible add-ons, and digital services, making it easier to buy policies and manage claims. Its health products are designed to give both basic and comprehensive coverage based on customer needs.
COMPANY DETAILS Edit

Kotak Mahindra

Edit

Manipal Cigna

Number of health insurance plans
Sum insured

Sum Insured

Up to 25 L

Sum Insured

Up to 1 Cr
Claim ratio

Claim Ratio

96.4%

Claim Ratio

98%
Network hospitals

Network Hospital

22600+

Network Hospital

15000+
Solvency Ratio

Solvency Ratio

5.73

Solvency Ratio

1.76
Pan India Presence

Pan India Presence

19

Pan India Presence

77
Claim Form

Claim Form

Available

Claim Form

Available
Annual premium (company level)

Annual premium (company level)

748.22 Crore

Annual premium (company level)

1,797.56 Crore
Years in operation

Years in operation

2015

Years in operation

2012
24×7 claim support

24×7 claim support

Yes

24×7 claim support

Yes
IRDAI registration number

IRDAI registration number

152

IRDAI registration number

151
Claims settled within 3 months

Claims settled within 3 months

96.76

Claims settled within 3 months

88.59
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Zurich Kotak Health Insurance

Group Health Insurance

Kotak Group Health Care insurance plan is specially designed to cater to the healthcare needs of active group members of Kotak Mahindra Bank Limited. ...

Unique Features

  • Domiciliary treatment cover
  • Get wellness benefits
  • Optional covers available

Zurich Kotak Group Health Care Policy (Pros)

Zurich Kotak Group Health Care Policy
  • Domiciliary hospitalization
  • Daycare procedures
  • Donor expenses
  • In-patient treatment care

Zurich Kotak Group Health Care Policy (Cons)

Zurich Kotak Group Health Care Policy
  • Obesity treatment unavailable
  • Breach of law
  • Cosmetic surgery
  • Maternity not covered

Zurich Kotak Group Health Care Policy (Other Benefits)

Zurich Kotak Group Health Care Policy
  • Room rent capping
  • AYUSH cover
  • Wellness benefits

Zurich Kotak Group Health Care Policy (Eligibility Criteria)

Zurich Kotak Group Health Care Policy
  • Entry age - 18-55 Years
  • SI - 3/4/5 Lakhs
  • Plan type- Individual
  • Waiting Period - 30 days

Individual

Out of 1.35 million deaths happening in road crashes, almost 93% of the accidental deaths occur in averagely developed countries like India. We're not...

Unique Features

  • Funeral expenses extensions
  • Children’s education grant
  • Lifelong renewability

Zurich Kotak Accident Care Plan (Pros)

Zurich Kotak Accident Care Plan
  • Children education grant
  • Dead remains transportation
  • Convalescence benefit
  • Accident daily cash benefit

Zurich Kotak Accident Care Plan (Cons)

Zurich Kotak Accident Care Plan
  • Room rent charges
  • Pre and post-hospitalization
  • Mental disorders
  • Self-inflicted injury

Zurich Kotak Accident Care Plan (Other Benefits)

Zurich Kotak Accident Care Plan
  • Ambulance charges
  • Accidental death
  • TTD PTD PPD cover

Zurich Kotak Accident Care Plan (Eligibility Criteria)

Zurich Kotak Accident Care Plan
  • Entry Age 5 to 65 years
  • Policy term 1/2/3 years

Individual and Family Health Insurance

Zurich Kotak Health Premier is a versatile option for ensuring the health and wellness of yourself and your loved ones. It allows policyholders to und...

Unique Features

  • Comprehensive coverage
  • Value-added benefits
  • Customizable plans

Zurich Kotak Health Premier Plan (Pros)

Zurich Kotak Health Premier Plan
  • In-patient treatment
  • daycare treatment
  • ambulance cover
  • restoration benefit

Zurich Kotak Health Premier Plan (Cons)

Zurich Kotak Health Premier Plan
  • Global coverage
  • modern treatment
  • IVF cover
  • Adventure sports

Zurich Kotak Health Premier Plan (Other Benefits)

Zurich Kotak Health Premier Plan
  • Maternity benefit
  • cumulative bonus
  • compassionate travel
  • vaccination

Zurich Kotak Health Premier Plan (Eligibility Criteria)

Zurich Kotak Health Premier Plan
  • Entry age 18 years (min) - 65 years (max)
  • SI 2 Lakh to 2 Crore
  • Initial waiting period 30 days
  • Policy period 1/2/3 years

Individual

It's insurance against adversities caused by accidents.The Union Minister of Road Transport and Highways, Nitin Gadkari, revealed that over 4.8 lakh r...

Unique Features

  • AD PTD & PPD Covers
  • Children’s Education Grant
  • Lifestyle Modification Cover

Zurich Kotak Group Accident Protect Plan (Pros)

Zurich Kotak Group Accident Protect Plan
  • Accident Cover
  • Accidental Death
  • Disability Cover

Zurich Kotak Group Accident Protect Plan (Cons)

Zurich Kotak Group Accident Protect Plan
  • Adventure Sports
  • Illegal activities
  • Obesity Treatments

Zurich Kotak Group Accident Protect Plan (Other Benefits)

Zurich Kotak Group Accident Protect Plan
  • Permanent Total Disability
  • Partial Disability
  • Children education

Zurich Kotak Group Accident Protect Plan (Eligibility Criteria)

Zurich Kotak Group Accident Protect Plan
  • Min Age: 5 Years
  • Max Age: 65 Years
  • Sum Insured: 25 L
  • Initial Waiting Period: NA

ManipalCigna Health Insurance

Senior Citizen Health Insurance

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

ManipalCigna Prime Senior Plan (Pros)

ManipalCigna Prime Senior Plan
  • Daily cash for shared accommodation
  • Air ambulance
  • Domestic second opinion
  • Unlimited 100% SI restoration

ManipalCigna Prime Senior Plan (Cons)

ManipalCigna Prime Senior Plan
  • OPD cover
  • Maternity and newborn cover
  • Compassionate travel

ManipalCigna Prime Senior Plan (Other Benefits)

ManipalCigna Prime Senior Plan
  • Any room upgradation
  • Unlimited SI restoration
  • PEDs waiting period reduction
  • Domestic second opinion (Elite)

ManipalCigna Prime Senior Plan (Eligibility Criteria)

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

Individual and Family Health Insurance

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

ManipalCigna ProHealth Prime Advantage (Pros)

ManipalCigna ProHealth Prime Advantage
  • Bariatric surgery
  • Maternity coverage
  • Newborn baby cover
  • Daily cash benefits

ManipalCigna ProHealth Prime Advantage (Cons)

ManipalCigna ProHealth Prime Advantage
  • Compassionate travel
  • Copayment unavailable
  • Sub-limits not applicable

ManipalCigna ProHealth Prime Advantage (Other Benefits)

ManipalCigna ProHealth Prime Advantage
  • Air ambulance cover
  • OPD available
  • Domiciliary hospitalization

ManipalCigna ProHealth Prime Advantage (Eligibility Criteria)

ManipalCigna ProHealth Prime Advantage
  • 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

Senior Citizen Health Insurance

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

ManipalCigna Prime Senior Elite Plan (Pros)

ManipalCigna Prime Senior Elite Plan
  • In-patient hospitalisation
  • Daycare treatment
  • Domiciliary hospitalisation
  • Sum insured restoration
  • Organ donor expense coverage

ManipalCigna Prime Senior Elite Plan (Cons)

ManipalCigna Prime Senior Elite Plan
  • Cataract not covered
  • Sports injury cover
  • Cosmetic treatment unavailable
  • Baldness not covered
  • Higher co-pays applicable

ManipalCigna Prime Senior Elite Plan (Other Benefits)

ManipalCigna Prime Senior Elite Plan
  • AYUSH treatment cover
  • Second e-opinion covered
  • Multiple discounts available
  • OPD add-on cover available
  • COVID-19 treatment cover

ManipalCigna Prime Senior Elite Plan (Eligibility Criteria)

ManipalCigna Prime Senior Elite Plan
  • Entry Age: 56 - 75 years
  • Sum Insured: INR 5 - 50 Lakhs
  • Waiting Period: 30 days

Individual and Family Health Insurance

"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

ManipalCigna Prime Protect Plan (Pros)

ManipalCigna Prime Protect Plan
  • In-patient hospitalisation
  • Daycare treatment
  • Domiciliary hospitalisation
  • Sum insured restoration
  • Organ donor cover

ManipalCigna Prime Protect Plan (Cons)

ManipalCigna Prime Protect Plan
  • Adventure sport injuries
  • Cosmetic treatment
  • Alcoholism/drug abuse
  • Self-inflicted injury

ManipalCigna Prime Protect Plan (Other Benefits)

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

ManipalCigna Prime Protect Plan (Eligibility Criteria)

ManipalCigna Prime Protect Plan
  • 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

Top Up and Super Top Up

"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

ManipalCigna Super Top-up Plus Plan (Pros)

ManipalCigna Super Top-up Plus Plan
  • Pre-hospitalization cover
  • Post-hospitalization cover
  • Modern treatment cover
  • AYUSH hospitalization

ManipalCigna Super Top-up Plus Plan (Cons)

ManipalCigna Super Top-up Plus Plan
  • Obesity/ weight control
  • Change of gender treatments
  • Hazardous or adventure sports
  • Maternity not covered
  • Newborn baby cover NA

ManipalCigna Super Top-up Plus Plan (Other Benefits)

ManipalCigna Super Top-up Plus Plan
  • Organ donor cover
  • Discounts on premium
  • 30 days grace period
  • Deductible options

ManipalCigna Super Top-up Plus Plan (Eligibility Criteria)

ManipalCigna Super Top-up Plus Plan
  • Entry Age - 91 days
  • Max Entry Age - No Limit
  • SI - 1 - 30 Lakhs
  • Waiting Period - 30 Days

Senior Citizen Health Insurance

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

ManipalCigna ProHealth Cash Plan (Pros)

ManipalCigna ProHealth Cash Plan
  • Available in 2 variants
  • Sickness Hospital Cash Benefit
  • ICU Cash Benefit
  • Worldwide Cover

ManipalCigna ProHealth Cash Plan (Cons)

ManipalCigna ProHealth Cash Plan
  • Breach of law
  • Suicide or an attempt to commit suicide
  • Alcoholism or drug abuse
  • Contamination from Nuclear fuel or radiation

ManipalCigna ProHealth Cash Plan (Other Benefits)

ManipalCigna ProHealth Cash Plan
  • Option to choose coverage period
  • Family discount
  • Online renewal discount
  • Long-term discount

ManipalCigna ProHealth Cash Plan (Eligibility Criteria)

ManipalCigna ProHealth Cash Plan
  • Entry age- 91 days to 65 years
  • Coverage period- 60/90/180 days
  • Sum Insured- INR 500-5000

Individual and Family Health Insurance

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

ManipalCigna Arogya Sanjeevani Plan (Pros)

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

ManipalCigna Arogya Sanjeevani Plan (Cons)

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

ManipalCigna Arogya Sanjeevani Plan (Other Benefits)

ManipalCigna Arogya Sanjeevani Plan
  • <ul> <li>AYUSH treatment</li> <li>Modern treatments</li> <li>Cataract treatment</li> </ul>

ManipalCigna Arogya Sanjeevani Plan (Eligibility Criteria)

ManipalCigna Arogya Sanjeevani Plan
  • <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>

Accident Health Insurance

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

ManipalCigna Lifestyle Protection Accident Care Plan (Pros)

ManipalCigna Lifestyle Protection Accident Care Plan
  • Accidental death covered
  • Permanent total disability
  • Education fund
  • Emergency ambulance cover

ManipalCigna Lifestyle Protection Accident Care Plan (Cons)

ManipalCigna Lifestyle Protection Accident Care Plan
  • Any PEDs
  • Suicide or an attempt at suicide
  • Intentional self-injury
  • Breach of law

ManipalCigna Lifestyle Protection Accident Care Plan (Other Benefits)

ManipalCigna Lifestyle Protection Accident Care Plan
  • Burns cover
  • Broken bones benefit
  • Temporary total disability

ManipalCigna Lifestyle Protection Accident Care Plan (Eligibility Criteria)

ManipalCigna Lifestyle Protection Accident Care Plan
  • Entry age- Child: 5 - 25 years; Adult: 18 - 80 years
  • Sum Insured: INR 50
  • 000 - 10 Crores
  • Accidental injury/death: Day 1

Individual and Family Health Insurance

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

ManipalCigna Super Top-up Plan (Pros)

ManipalCigna Super Top-up Plan
  • AYUSH treatment
  • Modern treatment cover
  • Organ donor expenses

ManipalCigna Super Top-up Plan (Cons)

ManipalCigna Super Top-up Plan
  • Maternity cover
  • Global cover
  • No OPD cover
  • Domiciliary care unavailable

ManipalCigna Super Top-up Plan (Other Benefits)

ManipalCigna Super Top-up Plan
  • In-patient hospitalization
  • Pre & post-hospitalization
  • Daycare procedures cover

ManipalCigna Super Top-up Plan (Eligibility Criteria)

ManipalCigna Super Top-up Plan
  • 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

Individual and Family Health Insurance

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

ManipalCigna Lifetime Health Plan (Pros)

ManipalCigna Lifetime Health Plan
  • Covers treatment costs for HIV/AIDS and STDs
  • Covers mental illness
  • Offers global coverage

ManipalCigna Lifetime Health Plan (Cons)

ManipalCigna Lifetime Health Plan
  • Vaccination not covered
  • IVF treatment not covered
  • Air ambulance not covered

ManipalCigna Lifetime Health Plan (Other Benefits)

ManipalCigna Lifetime Health Plan
  • Option for deductibles
  • Domestic and international coverage options

ManipalCigna Lifetime Health Plan (Eligibility Criteria)

ManipalCigna Lifetime Health Plan
  • Min entry age: 18 Years Max entry age: 65 Years Initial Waiting Period: 30 Days Sum Insured: Up to 3 Crore

Individual and Family Health Insurance

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

Critical Care Plan (Pros)

Critical Care Plan
  • 15 or 30 major illnesses
  • Medical second opinion
  • Online wellness program

Critical Care Plan (Cons)

Critical Care Plan
  • No daily cash benefit
  • In-patient hospitalization
  • OPD unavailable
  • Daycare procedures

Critical Care Plan (Other Benefits)

Critical Care Plan
  • Basic & advanced add-on cover benefits
  • Organ donor expenses

Critical Care Plan (Eligibility Criteria)

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

Individual and Family Health Insurance

'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

ManipalCigna Sarvah Plan (Pros)

ManipalCigna Sarvah Plan
  • Coverage for major illness
  • Reduced waiting period for pre-existing diseases
  • Unlimited restoration
  • Surplus benefits

ManipalCigna Sarvah Plan (Cons)

ManipalCigna Sarvah Plan
  • Maternity benefit not covered
  • No global coverage
  • Daily hospital cash not covered

ManipalCigna Sarvah Plan (Other Benefits)

ManipalCigna Sarvah Plan
  • Tatkal benefit
  • Comprehensive personal accident cover
  • Gullak and Sarathi benefits

ManipalCigna Sarvah Plan (Eligibility Criteria)

ManipalCigna Sarvah Plan
  • Entry Age: 91 days
  • Maximum Entry Age: No Limit
  • Sum Insured: Up to 3 Crore
  • Waiting Period: 30 days
Raj Kumar

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.