Manipal Cigna vs Niva Bupa Health Insurance 2026

Overview

As one of the few standalone health insurance providers, ManipalCigna Health Insurance has established itself as a market leader since 2014. This trusted company is a joint venture between the distinguished Manipal Group and Cigna Corporation. ManipalCigna offers a diverse portfolio of quality-driven products, covering everything from family health insurance, critical illness, and personal accident to super top-ups and maternity insurance. They also cater to rural communities with dedicated micro-insurance products, helping you feel safe and supported when healthcare needs arise.

COMPANY DETAILS

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Manipal Cigna

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Niva Bupa

Number of health insurance plans	No. of Plans 12 ❯	No. of Plans - ❯
Sum insured	Sum Insured Up to ₹ 1 Cr	Sum Insured Up to ₹ 1 Cr
Claim ratio	Claim Ratio 98%	Claim Ratio 98%
Network hospitals	Network Hospital 15000+	Network Hospital 10000+
Solvency Ratio	Solvency Ratio 1.76	Solvency Ratio 3.03
Pan India Presence	Pan India Presence 77	Pan India Presence 320
Claim Form	Claim Form Available	Claim Form Available
Annual premium (company level)	Annual premium (company level) 1,797.56 Crore	Annual premium (company level) 6,762.23 Crore
Years in operation	Years in operation 2012	Years in operation 2008
24×7 claim support	24×7 claim support Yes	24×7 claim support Yes
IRDAI registration number	IRDAI registration number 151	IRDAI registration number 145
Claims settled within 3 months	Claims settled within 3 months 88.59	Claims settled within 3 months 92.4
Recommended Videos	▶ Manipal Cigna Health Insurance \| DETAILED Review \| Plans, Benefits & Claim Process ▶ Niva Bupa Health Insurance Review \| Max Bupa Health Insurance \| Niva Bupa Health Insurance Plan 2025

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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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ManipalCigna Health Insurance

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Know More About Health Insurance Companies

ManipalCigna Health Insurance

ManipalCigna Prime Senior Plan

Senior citizens are often susceptible to various health conditions that require comprehensive medical care. Providing them with he...

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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Individual and Family Health Insurance

ManipalCigna ProHealth Prime Advantage

Buying health insurance that provides 360-degree coverage against medical emergencies for you and your family is essential today. ...

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

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Senior Citizen Health Insurance

ManipalCigna Prime Senior Elite Plan

A gift of better healthcare for the golden years of life!The ManipalCigna Prime Senior Elite plan is specially designed for the se...

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

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Individual and Family Health Insurance

ManipalCigna Prime Protect Plan

"Your Health Deserves Better!" Get safeguarded with a health plan that provides all-around healthcare facilitation. ManipalCigna P...

Customizable health benefits
High-value covers
Health reward discounts

In-patient hospitalisation
Daycare treatment
Domiciliary hospitalisation
Sum insured restoration
Organ donor cover

Adventure sport injuries
Cosmetic treatment
Alcoholism/drug abuse
Self-inflicted injury

Optional covers
Add-ons available
Unlimited benefits up to SI
Bariatric surgery cover
AYUSH treatment cover

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

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Top Up and Super Top Up

ManipalCigna Super Top-up Plus Plan

"It's Super Easy, Super Affordable." ManipalCigna Super Top-up Plus Plan is an additional protection that you can buy to expand yo...

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 ProHealth Cash Policy: Your financial safety net, anytime, anywhere. The ManipalCigna ProHealth Cash plan offers fina...

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

Protect your family with the ManipalCigna Arogya Sanjeevani Policy! The ManipalCigna Arogya Sanjeevani Policy is a standard health...

AYUSH treatment cover
Covers modern treatments
Affordable & available for all

<ul> <li>Room rent covered</li> <li>ICU charges covered</li> <li>Pre-hospitalisation expenses covered</li> <li>Daycare treatment covered</li> </ul>

<ul> <li>Breach of law</li> <li>Hazardous or adventure sports</li> <li>Contamination from nuclear fuel/radiation</li> <li>Unproven treatments</li> </ul>

<ul> <li>AYUSH treatment</li> <li>Modern treatments</li> <li>Cataract treatment</li> </ul>

<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>

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Accident Health Insurance

ManipalCigna Lifestyle Protection Accident Care Plan

The ManipalCigna Lifestyle Protection Accident Care plan comes in three variants which ascend in coverage options (which you'll re...

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 Health Insurance offers additional coverage with its Super Top-up plan, complementing your existing health insurance ...

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

ManipalCigna Lifetime Health Insurance is a reliable health insurance plan that prioritizes your healthcare needs. It offers a mul...

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 Health Insurance Company offers its Critical Illness policy, which is a global plan that assures financial support du...

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

'Sahi Health Insurance Chuno, SADA SECURE RAHO' Yep, that's right, this is what ManipalCigna's new Sarvah plan talks about. With t...

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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Compare with Other Insurers

New India Health United India Future Generali Cholamandalam Ms Kotak Mahindra Oriental Health Acko Health Navi Health Digit Health Universal Sompo Tata Aig Bajaj General Star Health Shriram Health Insurance Company Apollo Munich Icici Lombard Iffco Tokio National Health Reliance Health Royal Sundaram Hdfc Ergo Sbi Health Niva Bupa Health Care Health Aditya Birla Edelweiss Health Insurance Liberty Health Magma Health Raheja Qbe Galaxy Health Narayana Health Insurance Niva Bupa

New India Health United India Future Generali Cholamandalam Ms Kotak Mahindra Oriental Health Acko Health Navi Health Digit Health Universal Sompo Tata Aig Bajaj General Star Health Shriram Health Insurance Company Apollo Munich Icici Lombard Iffco Tokio National Health Reliance Health Royal Sundaram Hdfc Ergo Sbi Health Niva Bupa Health Care Health Manipal Cigna Aditya Birla Edelweiss Health Insurance Liberty Health Magma Health Raheja Qbe Galaxy Health Narayana Health Insurance

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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