Niva Bupa Health vs Manipal Cigna Health Insurance 2026 | PolicyX

Overview

Niva Bupa (formerly Max Bupa) is a standalone health insurer backed by global healthcare group Bupa. Founded in 2008, it offers simple plans for individuals, families and senior citizens, a wide cashless hospital network and an in-house claim process.
COMPANY DETAILS ✎ Edit

Niva Bupa Health

✎ Edit

Manipal Cigna

Number of health insurance plans
Sum insured

Sum Insured

Up to ₹ Unlimited

Sum Insured

Up to ₹ 1 Cr
Claim ratio

Claim Ratio

94.4%

Claim Ratio

98%
Network hospitals

Network Hospital

10000+

Network Hospital

15000+
Solvency Ratio

Solvency Ratio

3.03

Solvency Ratio

1.76
Pan India Presence

Pan India Presence

320

Pan India Presence

77
Claim Form

Claim Form

Available

Claim Form

Available
Annual premium (company level)

Annual premium (company level)

6,762.23 Crore

Annual premium (company level)

1,797.56 Crore
Years in operation

Years in operation

2008

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

92.4

Claims settled within 3 months

88.59
Recommended Videos
Niva Bupa Health Insurance Review | Max Bupa Health Insurance | Niva Bupa Health Insurance Plan 2025

▶ Niva Bupa Health Insurance Review | Max Bupa Health Insurance | Niva Bupa Health Insurance Plan 2025

Manipal Cigna Health Insurance | DETAILED Review | Plans, Benefits & Claim Process

▶ Manipal Cigna Health Insurance | DETAILED Review | Plans, Benefits & Claim Process

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Niva Bupa Health Insurance

Individual and Family Health Insurance

Niva Bupa Aspire Plan

The Niva Bupa Aspire Health Insurance Plan is designed for young individuals, offering comprehensive coverage up to ₹1 Crore wit...

  • Global Treatment
  • Provides Maternity Cover
  • Lock the Clock
  • Overseas treatment coverage
  • Booster benefit
  • Covers organ donor transplant
  • Second medical opinion
  • Teleconsultation
  • No suicide cover
  • No war injury cover
  • Baby food & utility charges excluded
  • Laundry charges excluded
  • No certificate charges
  • 4 unique variants of the plan
  • Cash-bag benefit
  • WellConsult OPD Wallet
  • Cashless claim settlement
  • AYUSH Treatment
  • Entry age - 18 years. Maximum entry age - No age limit. Sum Insured (SI) - INR 3 Lakh to 1 Crore. Waiting Period - 30 days.
View plan
Individual and Family Health Insurance

Niva Bupa Arogya Sanjeevani Policy

Niva Bupa's Arogya Sanjeevani policy offers an affordable, comprehensive indemnity health plan for individuals and families, cover...

  • COVID-19 treatment coverage
  • Pre and post-hospitalisation cover
  • Lower co-pay on your claims
  • COVID-19 coverage
  • Cumulative bonus
  • AYUSH treatment
  • Room rent cover
  • Preventive health check-ups
  • No maternity cover
  • COVID-19 care not covered
  • Home care treatment is not covered
  • OPD not covered
  • Ambulance cover not available
  • Individual & family floater plan
  • Cashless claim settlement
  • Premiums are affordable
  • Minimum Entry Age: 3 Months - 25 Years (for children in family plan)
  • Adult Entry Age: 18 - 65 Years
  • Sum Insured: INR 50
  • 000 - INR 10 Lakh
  • Initial Waiting Period: 30 Days
View plan

ManipalCigna Health Insurance

Individual and Family Health Insurance

ManipalCigna ProHealth Prime Advantage

ManipalCigna ProHealth Prime Advantage is a comprehensive health insurance plan offering 360-degree family coverage, including OPD...

  • 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
View plan
Senior Citizen Health Insurance

ManipalCigna Prime Senior Elite Plan

The ManipalCigna Prime Senior Elite plan offers comprehensive health insurance tailored for senior citizens, covering modern treat...

  • 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
View plan

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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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