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

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Manipal Cigna

Number of health insurance plans
Sum insured

Sum Insured

Up to ₹ 1 Cr and Unlimited

Sum Insured

Up to ₹ 3 Cr
Claim ratio

Claim Ratio

92.39%

Claim Ratio

93.70%
Network hospitals

Network Hospital

10000+

Network Hospital

-+
Solvency Ratio

Solvency Ratio

3.03

Solvency Ratio

1.76
Pan India Presence

Pan India Presence

212

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
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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 with ...

  • 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

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

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