Kotak Mahindra vs Manipal Cigna Health Insurance 2026

Overview

Zurich Kotak General Insurance offers health plans for individuals and families, covering hospitalisation, daycare treatments and medical expenses.

COMPANY DETAILS

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Kotak Mahindra

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Manipal Cigna

Number of health insurance plans	No. of Plans 4 ❯	No. of Plans 9 ❯
Sum insured	Sum Insured Up to ₹ 25 L	Sum Insured Up to ₹ 3 Cr
Claim ratio	Claim Ratio 96.4%	Claim Ratio 93.70%
Network hospitals	Network Hospital 22600+	Network Hospital -+
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
Claims settled within 3 months	Claims settled within 3 months 96.76	Claims settled within 3 months 88.59
Recommended Videos	▶ Zurich Kotak Health Insurance Review 2025 \| Benefits, Premium & Claim Process Explained ▶ Manipal Cigna Health Insurance \| DETAILED Review \| Plans, Benefits & Claim Process

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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.

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Know More About Health Insurance Companies

Zurich Kotak Health Insurance

Zurich Kotak Group Health Care Policy

The Kotak Group Health Care insurance plan is detailed here, tailored for active members of Kotak Mahindra Bank and their dependen...

Domiciliary treatment cover
Get wellness benefits
Optional covers available

Domiciliary hospitalization
Daycare procedures
Donor expenses
In-patient treatment care

Obesity treatment unavailable
Breach of law
Cosmetic surgery
Maternity not covered

Room rent capping
AYUSH cover
Wellness benefits

Entry age - 18-55 Years
SI - 3/4/5 Lakhs
Plan type- Individual
Waiting Period - 30 days

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Individual

Zurich Kotak Accident Care Plan

The Zurich Kotak Accident Care Plan provides financial protection against the impact of accidents, covering treatment, hospitaliza...

Funeral expenses extensions
Children’s education grant
Lifelong renewability

Children education grant
Dead remains transportation
Convalescence benefit
Accident daily cash benefit

Room rent charges
Pre and post-hospitalization
Mental disorders
Self-inflicted injury

Ambulance charges
Accidental death
TTD PTD PPD cover

Entry Age 5 to 65 years
Policy term 1/2/3 years

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Individual and Family Health Insurance

Zurich Kotak Health Premier Plan

Kotak Mahindra Health Premier Plan offers comprehensive and customizable health insurance for individuals and families, available ...

Comprehensive coverage
Value-added benefits
Customizable plans

In-patient treatment
daycare treatment
ambulance cover
restoration benefit

Global coverage
modern treatment
IVF cover
Adventure sports

Maternity benefit
cumulative bonus
compassionate travel
vaccination

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

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Individual

Zurich Kotak Group Accident Protect Plan

The Zurich Kotak Group Accident Protect Plan offers essential financial protection against the severe impact of accidents, coverin...

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

Accident Cover
Accidental Death
Disability Cover

Adventure Sports
Illegal activities
Obesity Treatments

Permanent Total Disability
Partial Disability
Children education

Min Age: 5 Years
Max Age: 65 Years
Sum Insured: 25 L
Initial Waiting Period: NA

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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

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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

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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

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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

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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

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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

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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

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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

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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

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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.

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