Compare Cholamandalam vs Manipal Cigna Health Insurace
| Cholamandalam | Manipal Cigna | |
|---|---|---|
| Claims Settlement Ratio ** | 73.87% | 90.02% |
| Number of Lives Covered * | 27,48,000 | 1,101,000 |
| Network Hospitals | 6,000 + | 6,500 + |
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|---|---|---|
| Healthline | ProHealth | ProHealth Select |
| In-patient Treatment | ||
| Covered | ProHealth Protect: For sum insured up to Rs.5.5 Lakhs - Covered up to Single Private Room For sum insured Rs.7.5 Lakhs and Above - Covered up to any Room Category except Suite or higher category ProHealth Plus: Any hospital room except Suite ProHealth Preferred: Any hospital room except Suite ProHealth Premier: Any hospital room except Suite ProHealth Accumulate: For sum insured up to Rs.5.5 Lakhs - Covered up to Single Private Room For sum insured Rs.7.5 Lakhs and Above - Covered up to any Room Category except Suite or higher category |
Covered |
| Room Rent | ||
Single occupancy AC room is allowed for all Sum Insured except for Rs.1 Lakh / 2Lakhs. For Rs.1 Lakh / 2Lakhs Sum Insured the maximum room rent allowed is Rs.1,500 and Rs.3,000 per day respectively |
Up to Single Private Room / Unlimited eligibility based on plan opted | Covered up to Single Private Room |
| ICU Charges | ||
| Covered | Covered up to sum insured | Up to 4% of sum insured for ICU up to a max of 7,000 |
| Pre-hospitalization | ||
Value Healthline: 30 days before the date of admission to the hospital Freedom, Enrich, Privilage Healthline: 60 days before the date of admission to the hospital |
Up to 60 days Covered | Up to 60 days Covered |
| Post-hospitalization | ||
Value Healthline: 60 days before the date of admission to the hospital Freedom, Enrich, Privilage Healthline: 90 days before the date of admission to the hospital |
Up to 90 days Covered | Up to 90 days Covered |
| Day Care Procedures | ||
| Covered | 500 plus listed Day Care treatments covered up to sum insured | 171 procedures, covered up to full sum insured |
| Domiciliary Treatment | ||
| Covered (Maximum 7 days) | Treatment at home covered up to sum insured | Covered up to sum insured |
| Emergency Ambulance | ||
Value Healthline: Rs.1,000 per hospitalisation Freedom & Enrich Healthline: Rs.2,000 per hospitalisation Privilage Healthline: Rs.5,000 per hospitalisation |
ProHealth Plus: Up to 2,000 per event ProHealth Protect: Up to 3,000 per event ProHealth Plus: Actual expenses per event ProHealth Preferred & ProHealth Premier: Up to 2,000 per event ProHealth Accumulate: Up to 2,000 per event |
Up to 2,000 per hospitalization event |
| Dental Treatment | ||
Value,Freedom & Enrich Healthline: Not Covered Privilage Healthline: Rs.10,000 every 2 Years (Additional benefit) |
Not covered | Not covered |
| Bariatric Surgery | ||
| Not Covered | Yes, if Bariatric surgery cover is opted | Not covered |
| Ayush Benefit | ||
| Covered | In-patient hospitalization covered up to sum insured | Coverage for Ayurvedic, Yoga & Naturopathy, Unani, Siddha and Homeopathy up to the limit of sum insured |
| Maternity Benefits | ||
Value,Freedom & Enrich Healthline: Not Covered Privilage Healthline: Up to Rs.1 Lakh Per delivery (Up to 2 deliveries, after 3 consecutive renewals) |
ProHealth Plus: 15,000 for normal; 25,000 for C-section (per event ProHealth Preferred: 50,000 for normal; 1 lac for C-section (per event) ProHealth Premier: 1 lac for normal; 2 lacs for C-section (per event) |
Not covered |
| New Born baby cover | ||
Value,Freedom & Enrich Healthline: Not Covered Privilage Healthline: Covered up to Sum Insured of Mother / Floater Sum Insured |
Covered within maternity expenses | Not covered |
| Organ Donor Expenses | ||
| Covered | Covered up to sum insured | Covered up to sum insured |
| Vaccination (In case of post bite treatment) | ||
| Not Covered | Not covered | Not covered |
| Health Check-up | ||
Value Healthline: Not Covered Freedom Healthline: Once after 3 claim free years Enrich & Privilage Healthline: Once after 2 claim free years |
ProHealth Plus: Available each policy year(excluding the first year ProHealth Protect: Available once every 3 rd policy year ProHealth Preferred & ProHealth Premier: Available each policy year(excluding the first year) ProHealth Accumulate: Available once every 3 rd policy year |
Covered |
| Hospital daily allowance | ||
Value Healthline& Freedom Healthline: Not Covered Enrich & Privilage Healthline: Rs.10,000 (Minimum 10 days Hospitalization) (Additional benefit) |
Not covered | Not covered |
| Co-pay | ||
Value Healthline: 10% on all claims Freedom, Enrich, Privilage Healthline: Not Covered (for age above 55years) |
Covered | Covered |
| Pre-existing diseases coverage | ||
| Pre-existing diseases covered after 4 years of continuous coverage | Preferred plan & Premier plans covered after 24 months Accumulate & Plus plans covered after 36 months Protect plan covered after 48 months |
Not Covered |
| Restore Benefit | ||
| Not Covered | Up to 100% of Base sum insured per year | Up to 100% of Base sum insured per year |
| General waiting period | ||
| 30 days | 30 days | 30 days |
| Renewal Benefit / Cumulative Bonus | ||
Value Healthline: 5% of sum insured every claim free year subject to maximum of 25% of sum Insured Freedom Healthline: 5% of sum insured every claim free year subject to maximum of 50% of sum Insured Enrich Healthline: 50% of sum insured every claim free year subject to maximum of 100% of sum Insured Privilage Healthline: 5% of sum insured every claim free year subject to maximum of 50% of sum Insured |
ProHealth Plus: Available once every 3 rd policy year ProHealth Protect & ProHealth Plus: Guaranteed 5%, Max - 200% ProHealth Preferred & ProHealth Premier: Guaranteed 10%, Max - 200% ProHealth Accumulate: Guaranteed 5%, Max - 200% |
5% each year maximum up to 100% on non-reducing basis |
| Emergency Air Ambulance | ||
| Not Covered | Not covered | Not covered |
| Available sum insured options | ||
Value Healthline: Rs.1 to 10 Lakhs Freedom Healthline: Rs.2 to 15 Lakhs Enrich Healthline: Rs.3 to 25 Lakhs Privilage Healthline: Rs.5 to 25 Lakhs |
ProHealth Plus: Rs.4.5, 5.5, 7.5, 10, 15, 20, 25, 30, 50 Lakhs ProHealth Protect: Rs.2.5, 3.5, 4.5, 5.5, 7.5, 10, 15, 20, 25, 30, 50 Lakhs ProHealth Premier: Rs.100 Lakhs ProHealth Preferred: Rs.15, 30, 50 Lakhs ProHealth Accumulate: Rs.5.5, 7.5, 10, 15, 20, 25, 30, 50 Lakhs |
ManipalCigna ProHealth Select Insurance Plan A: Rs.0.5 1,2,3,4,5,7,10,15,20,25 lakhs Plan b: Rs.2,3,4,7,10,15,20,25 lakhs |
| Policy can be purchased for | ||
| 1/2/3 years | 1/2/3 years | 1/2/3 years |
| Eligibility criteria | ||
| Adults from 18 to 65 years (dependents 90 days to 26 years) | Min Entry Age: Child - 91 days, Adult - 18 years Max Entry Age: No limit |
Minimum Entry Age: 91 Months Maximum Entry Age For Dependent Children: 23 Years Maximum Entry Age for Adults: 65 years |
| Renewability | ||
| Renewal for whole life | Renewal for whole life | Renewal for whole life |
| Daily Cash for Accompanying an Insured Child | ||
Value Healthline& Freedom Healthline: Not Covered Enrich Healthline : Rs 500 per day for 7 days Privilage Healthline: Not Covered (Additional benefit) |
Not covered | Not covered |
| Claims loading | ||
| No Loading | No Loading | No Loading |
| Portablity (At the time of renewal) | ||
| Yes | Yes | Yes |
| Tax Benefits Limit | ||
| Income tax benefit under section 80D | Income tax benefit under section 80D | Income tax benefit under section 80D |
