Tata Aig vs Manipal Cigna Health Insurance 2026

TATA AIG Health Insurance Company

TATA AIG Accident Guard Plan

TATA AIG's Accident Guard Plan provides comprehensive financial protection against unforeseen accidents for individuals aged 18 an...

Comprehensive accident care
Coverage for child education
No waiting period

Temporary total disability
Child enhancement benefit
Air ambulance
Loss of hearing

No alcoholism cover
No war injury cover
No cataract cover
No STD cover

Fractures
Burns
Total disablement cover
Accidental death

Entry age- 6 months
Max entry age- 65 years
SI- NA
Waiting period- 30 days

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Individual and Family Health Insurance

Medicare Premier Plan

Tata AIG Medicare Premier is a comprehensive health insurance plan for individuals and families, offering global planned hospitali...

Eligibility Criteria
Benefits and Features
Inclusions and Exclusions

Wellness service
Compassionate travel
Home care
Restore benefit

Injury due to suicide attempt
Death due to drugs
Injuries due to breach of law
STDs

OPD dental treatment
First-year vaccinations
In-patient treatment
Second medical opinion

Entry Age: 18 years
Maximum Entry Age: 65 years
Sum Insured (SI): ₹5 Lakh to ₹3 Crore
Waiting Period: 30 days

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Critical Illness Health Insurance

TATA AIG Criti MediCare Policy

Tata AIG Criti MediCare is a specialized health insurance plan offering financial protection and continuous coverage for critical ...

Covers 100 critical illnesses
Cancer-360 indemnity cover
Hospital cash benefit

Complete cancer coverage
hospital cash
Covers over 100 critical illnesses

Self-harm not covered
No international coverage
Adventure sports injury not covered

Discount on premiums
Tele medical examination
Tax benefits

Entry Age: 18 - 65 Years
Initial Waiting Period: 30 Days
SI: Up to 2 Cr
Policy Term: 1/2/3 Years

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Senior Citizen Health Insurance

Tata AIG Elder Care Insurance Plan

The Tata AIG Elder Care Plan offers comprehensive health coverage specifically for senior citizens, encompassing in-patient hospit...

Preventive health check-ups
Post-operative care
Homecare treatment cover

Preventive health check-up
Pre-hospitalisation cover
Post-hospitalisation cover
Compassionate visit
In-patient treatment

Obesity/weight control
Change of gender treatments
Hazardous or adventure sports
Maternity not covered

Cumulative bonus
Daycare procedures
Medical second opinion
AYUSH treatment cover

Entry age- 61 years
Max entry age- 85 years
SI- 5-25 Lakhs
Waiting Period- 30 days

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Accident Health Insurance

TATA AIG Accident Shield Policy

The TATA AIG Accident Shield Plan provides an essential layer of protection against the financial impact of accidents. It covers a...

Lifelong renewability
Children’s educational grant
30 days grace period

Accidental death
Permanent total disability
Permanent partial disability

AIDS
Mental or nervous disorder
Alcoholism

Disappearance of the insured person
Child’s education aid
High SI

Min entry age: 6 Months
Max Entry Age: 65 Years
Waiting Period: 30 Days
Sum Insured: N/A

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Individual and Family Health Insurance

Tata AIG Arogya Sanjeevani Policy

The Tata AIG Arogya Sanjeevani Policy is an IRDAI-mandated, affordable health insurance plan designed to offer basic yet comprehen...

IRDAI-mandated policy
Covers AYUSH treatment
Family floater coverage

Hospitalization cover
Accident cover
Ambulance cover

Illegal activities
Drug abuse
Obesity

Oral chemotherapy
Immunotherapy
Robotic surgeries

Min entry age: 18 years
Max entry age: 65 years
Initial Waiting Period: 30 days
Sum Insured: Up to 5 Lakhs

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Critical Illness Health Insurance

Tata AIG Group EMI Protect Plan

The Tata AIG Group EMI Protect policy provides financial protection by covering EMIs if an insured employee cannot work due to an ...

In-patient hospitalization
Critical illness cover
Personal accident cover

In-patient hospitalization
Critical illness cover
Personal accident cover

Alcoholism
Illegal activities
Obesity treatments

Cancer cover
Organ transplant
Heart cover

Entry Age: 18 Years
SI: Opted as per schedule
Waiting Period: 30 Days
Plan Renewability: Lifelong

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Accident Health Insurance

Tata AIG Secured Future Plan

The Tata AIG Secured Future Plan is an accident-focused health insurance policy offering financial protection to earning family me...

Accidental death cover
Financial protection benefit
PTD & dismemberment cover

Income benefit
Accident cover
Disability cover

Pre-existing diseases (PEDs)
STDs
Alcoholism

Individual plan
1 year policy
Affordable premiums

Min entry age: 18 Years
Max entry age: 70 Years
Initial Waiting Period: N/A
Sum Insured: Up to ₹35
000

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Top Up and Super Top Up

Medicare Plus Plan

TATA AIG Medicare Plus is an affordable top-up health policy, activating once a base plan's sum insured is exhausted and a deducti...

Lifetime Renewability
High Sum Insured Options
Quick Buying Process

Global Coverage
Cumulative Bonus
Tax Benefit
Family Discount

No gender change treatment
Existing disability
Injuries due to breach of law
Injuries due to aviation
Suicide cover not included

Consumables Benefits
In-patient Dental Treatment
Ambulance Cover
AYUSH Benefits
Domiciliary Treatment

Minimum Entry Age: 18 years
Maximum Entry Age: 65 years
Sum Insured: ₹3 Lakhs - ₹1 Crore
Waiting Period: 30 days

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Individual and Family Health Insurance

Tata AIG Medicare Plan

TATA AIG Medicare is a comprehensive health insurance plan for ages 5–65, available in three variants: Medicare, Medicare Protect,...

Vaccination Covered
AYUSH Covered
Quick Claim Process

Global coverage
540+ day care treatments
Qualified nurse
Room rent
Organ donor

Injury due to suicide attempt
Death due to drugs
STDs
Injuries due to breach of law

AYUSH benefit
Health checkup
Bariatric surgery cover
Vaccination cover

Entry age: 18 years
Maximum entry age: 65 years
Sum Insured: ₹3 Lakh - ₹20 Lakh
Waiting period: 30 days

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Family

TATA AIG Supercharge Plan

The TATA AIG Health Supercharge Plan significantly boosts health coverage with a 5x Supercharge Bonus, increasing the sum insured ...

5X Enhanced Benefits
2 Impressive Variants To Choose
Complete AYUSH Coverage

5x benefits
5% extra discount for youngsters
2 plan variants
AYUSH treatment

Obesity treatment
Gender change treatment
Maternity coverage
Acts of war

Unlimited recharge
Wellness benefits
Easy claim process
Restore benefit
Pan India coverage

Entry Age: 90 days
Maximum Entry Age: No limit
Sum Insured (SI): INR 5 Lakh to 20 Lakh
Waiting Period: 30 days.

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ManipalCigna 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

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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

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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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Individual and Family Health Insurance

ManipalCigna Arogya Sanjeevani Plan

ManipalCigna Arogya Sanjeevani is a standard, affordable health insurance policy available for individuals or families, covering u...

AYUSH treatment cover
Covers modern treatments
Affordable & available for all

Room rent covered ICU charges covered Pre-hospitalisation expenses covered Daycare treatment covered

Breach of law Hazardous or adventure sports Contamination from nuclear fuel/radiation Unproven treatments

AYUSH treatment Modern treatments Cataract treatment

Minimum Entry Age: 18 Years Maximum Entry Age: 65 Years Initial Waiting Period: 30 Days Sum Insured: Up to INR 10 Lakh

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Accident Health Insurance

ManipalCigna Lifestyle Protection Accident Care Plan

ManipalCigna Lifestyle Protection Accident Care offers financial protection against accidents, providing a lump sum payout for acc...

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's Super Top-Up Plan offers additional health coverage, activating once an existing base policy's sum insured is deple...

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

The ManipalCigna Lifetime Health Plan is a comprehensive health insurance offering high sum insured options (Rs. 50 Lakh to Rs. 3 ...

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's Critical Care Plan offers financial support and a lump sum payment upon diagnosis of 15 or 30 major critical illnes...

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

ManipalCigna Sarvah is a health plan targeting India's "missing middle" population with affordable, inclusive coverage against ris...

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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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.

Number of health insurance plans	No. of Plans 11 ❯	No. of Plans 9 ❯
Sum insured	Sum Insured Up to ₹ 3 Crores	Sum Insured Up to ₹ 3 Cr
Claim ratio	Claim Ratio 86.63%	Claim Ratio 93.70%
Network hospitals	Network Hospital 11000+	Network Hospital -+
Solvency Ratio	Solvency Ratio 1.81	Solvency Ratio 1.76
Pan India Presence	Pan India Presence 221	Pan India Presence 77
Claim Form	Claim Form Available	Claim Form Available
Annual premium (company level)	Annual premium (company level) 3,592.05 Crore	Annual premium (company level) 1,797.56 Crore
Years in operation	Years in operation 2001	Years in operation 2012
24×7 claim support	24×7 claim support No	24×7 claim support Yes
Claims settled within 3 months	Claims settled within 3 months 94.14	Claims settled within 3 months 88.59
Recommended Videos	▶ TATA AIG General Insurance Company Review ▶ Manipal Cigna Health Insurance \| DETAILED Review \| Plans, Benefits & Claim Process

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