Sbi Health vs Manipal Cigna Health Insurance 2026 | PolicyX

Overview

SBI General Insurance, backed by the trusted SBI brand, offers dependable health plans for individuals, families and senior citizens—with 6,000+ network hospitals for cashless treatment, efficient claim settlement and responsive customer support.
COMPANY DETAILS ✎ Edit

Sbi Health

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Manipal Cigna

Number of health insurance plans
Sum insured

Sum Insured

Up to ₹ Unlimited

Sum Insured

Up to ₹ 3 Cr
Claim ratio

Claim Ratio

96.13%

Claim Ratio

93.70%
Network hospitals

Network Hospital

16600+

Network Hospital

-+
Solvency Ratio

Solvency Ratio

2.03

Solvency Ratio

1.76
Pan India Presence

Pan India Presence

141

Pan India Presence

77
Claim Form

Claim Form

Available

Claim Form

Available
Annual premium (company level)

Annual premium (company level)

3,093.43 Crore

Annual premium (company level)

1,797.56 Crore
Years in operation

Years in operation

2009

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

97.05

Claims settled within 3 months

88.59
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Health Insurance Companies

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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SBI Health Insurance

The SBI Hospital Daily Cash policy provides a daily cash benefit to cover incidental hospitalization expenses like food, transport...

  • Daily cash benefit
  • Convalescence expenses
  • No medical check-up required
  • Daily cash benefit
  • Convalescence benefit
  • Multiple plan options
  • Illegal activities
  • Alcoholism
  • Obesity
  • Hospitalization benefits
  • ICU hospitalization
  • Affordable premiums
  • Min entry age: 18 years
  • Max entry age: 65 years
  • Initial Waiting Period: 30 days
  • Sum Insured: Up to INR 2
  • 000
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Individual and Family Health Insurance

SBI Arogya Top-Up Policy

SBI Arogya Top-up Policy provides additional health insurance coverage, activating once a standard health policy's sum insured is ...

  • Enhanced coverage
  • Eligibility criteria
  • Key features
  • In-patient hospitalisation
  • Pre & post hospitalisation
  • Ambulance cover
  • Global coverage
  • Air ambulance
  • Compassionate visit
  • OPD cover unavailable
  • Organ donor expenses
  • Domiciliary treatment
  • Modern treatment
  • Entry age: 3 months to 65 years
  • SI: 1 to 50 Lakhs
  • Policy term: 1/2/3 years
  • Initial waiting period: 30 days
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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
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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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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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