Manipal Cigna vs Galaxy Health Health Insurance 2026 | PolicyX
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Overview

ManipalCigna (formerly Cigna TTK, renamed in 2019) is a standalone health insurer and a JV of the Manipal Group and Cigna, operating since 2014. It offers family health, critical illness, personal accident, super top-up and maternity plans, plus dedicated micro-insurance for rural communities.
COMPANY DETAILS ✎ Edit

Manipal Cigna

 ✎ Edit

Galaxy Health
Number of health insurance plans
Sum insured

Sum Insured

Up to ₹ 3 Cr

Sum Insured

Up to ₹ 1 Crore
Claim ratio

Claim Ratio

93.70%

Claim Ratio

98.9%
Network hospitals

Network Hospital

-+

Network Hospital

3216+
Solvency Ratio

Solvency Ratio

1.76

Solvency Ratio

4.70
Pan India Presence

Pan India Presence

77

Pan India Presence

71
Claim Form

Claim Form

Available

Claim Form

Available
Annual premium (company level)

Annual premium (company level)

1,797.56 Crore

Annual premium (company level)

16.95 Crore
Years in operation

Years in operation

2012

Years in operation

2023
24×7 claim support

24×7 claim support

Yes

24×7 claim support

Yes
Claims settled within 3 months

Claims settled within 3 months

88.59

Claims settled within 3 months

100
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ManipalCigna Health Insurance

Most popular
Senior Citizen 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

Galaxy Health Insurance

Most popular
Individual and Family Health Insurance

Galaxy Promise Health Plan

Galaxy Promise is a new health insurance plan from Galaxy Health Insurance, designed for younger generations in India with a uniqu...

  • Air Ambulance Cover
  • Room Rent Enhancement
  • Gala Fit Pro-Active Care
  • Unlimited restoration of SI
  • No co-payment
  • Room rent enhancement
  • Investigation and evaluation not covered
  • Dietary supplement
  • Unproven treatment
  • Alcoholism
  • Repatriation of mortal remains
  • Organ transplantation
  • Cashless everywhere
  • Min. Entry Age: 16 Days
  • Max. Entry Age: 65 Years
  • Initial Waiting Period: 24 Months
  • Sum Insured: Up to 1 Cr
View plan
Top Up and Super Top Up

Galaxy Top-up Health Insurance Plan

The Galaxy Top-Up Health Insurance Plan provides an enhanced safety net over existing base health coverage, helping mitigate subst...

  • Get exciting discounts
  • Digital ICU coverage
  • Gala Fit benefit
  • Family coverage
  • flexibility in deductible
  • Digital ICU coverage.
  • Investigation and evaluation
  • cosmetic surgery
  • unproven treatments.
  • Nanotechnology covered
  • modern treatment
  • delivery expenses covered.
  • Entry age: 18 years
  • Maximum entry age: 65 years
  • Sum Insured: INR 5 L to 2 Cr
  • Waiting Period: 30 days.
View plan
Individual and Family Health Insurance

Galaxy Twin 360

Galaxy Twin 360 is a comprehensive health insurance plan for young adults and families, offering dual coverage that combines in-pa...

  • Dual coverage for extended protection
  • All round 360 degree health benefits
  • Flexible coverage for individual needs
  • OPD benefits along with hospitalisation cover
  • usable benefits even in non-hospitalisation years
  • wellness and preventive care integration
  • Entry age capped at 45 years
  • OPD benefits have usage limits
  • newer insurer with limited long-term claims history
  • Lifelong renewability
  • multiple sum insured options
  • flexible premium payment modes
  • coverage for day-care and modern treatments
  • cashless treatment at network hospitals
  • Adults: 18 years to 45 years Children: 90 days to 18 years
View plan

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Reviewed By: Raj Kumar

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