Compare HDFC ERGO vs Manipal Cigna Health Insurance Plans
| HDFC Ergo | Manipal Cigna | |
|---|---|---|
| Claims Settlement Ratio ** | 62.73% | 90.02% |
| Number of Lives Covered * | 27,48,000 | 1,101,000 |
| Network Hospitals | 6,000 + | 6,500 + |
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| Health Suraksha | Health Suraksha Silver | Arogya Sanjeevani | ProHealth | ProHealth Select |
| In-patient Treatment | ||||
| Covered | Covered | 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 | ||||
| At Actual | capping on room rent | Up to 2% of the sum insured subject to maximum of Rs.5,000 per day. | Up to Single Private Room / Unlimited eligibility based on plan opted | Covered up to Single Private Room |
| ICU Charges | ||||
| At Actuals | Covered | Up to 5% of sum insured subject to maximum of Rs.10,000 per day | Covered up to sum insured | Up to 4% of sum insured for ICU up to a max of 7,000 |
| Pre-hospitalization | ||||
| 60 days before the date of admission to the hospital | 60 days before the date of admission to the hospital | 30 days before the date of admission to the hospital | Up to 60 days Covered | Up to 60 days Covered |
| Post-hospitalization | ||||
| 180 days after discharge from the hospital | 180 days after discharge from the hospital | 60 days after discharge from the hospital | Up to 90 days Covered | Up to 90 days Covered |
| Day Care Procedures | ||||
| Covered | Covered | Covered | 500 plus listed Day Care treatments covered up to sum insured | 171 procedures, covered up to full sum insured |
| Domiciliary Treatment | ||||
| Covered | Covered | Covered | Treatment at home covered up to sum insured | Covered up to sum insured |
| Emergency Ambulance | ||||
Silver Smart: Rs.2,000 Gold Smart: Rs.3,500 Platinum Smart: Sum insured 20 to 50 lakhs: Rs.3,500; Sum insured 50 & 75 lakhs : Rs.15,000 |
Covered | Maximum of Rs.2,000 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 | ||||
| Not Covered | Not Covered | Dental treatment, necessitated due to disease or injury | Not covered | Not covered |
| Bariatric Surgery | ||||
| Not Covered | Not Covered | Not Covered | Yes, if Bariatric surgery cover is opted | Not covered |
| Ayush Benefit | ||||
| Covered | Covered | Expenses incurred for inpatient care treatment under Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy |
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 | ||||
| Covered(Optional) (Waiting period : 3 years) |
Not Covered | Not Covered | 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 | ||||
| Up to parent care sum insured(Optional) | Not Covered | Not Covered | Covered within maternity expenses | Not covered |
| Organ Donor Expenses | ||||
| Covered | Covered | Not Covered | Covered up to sum insured | Covered up to sum insured |
| Vaccination (In case of post bite treatment) | ||||
| Not Covered | Not Covered | Not Covered | Not covered | Not covered |
| Health Check-up | ||||
| Covered | 1% of Sum Insured after every 4 consecutive and continuous claim free years with us (Subject to a maximum up to Rs.5,000) |
Not Covered | 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 | ||||
| Covered up to Sum Insured | Covered up to Sum Insured | Not Covered | Not covered | Not covered |
| Daily Cash for Accompanying an Insured Child | ||||
| Not Covered | Not Covered | Not Covered | Not covered | Not covered |
| Co-pay | ||||
Silver Smart: No co-pay for all treatment, Optional Co pay available between 10%/20%; Gold Smart : No co-pay for all treatment, Optional Co pay available between 15%/25%; Platinum Smart: No co-pay for all treatment, Optional Co pay available between 15%/25% |
NIL / co-pay applicable upto 20% for treatment in higher class cities | 5% co-pay on all claims | Covered | Covered |
| Pre-existing diseases coverage | ||||
| Pre-existing diseases covered after 3 years of continuous coverage | Pre-existing diseases covered after 4 years of continuous 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 | ||||
| Sum Insured Rebound upto 100% of Sum Insured per year | Not Covered | 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 | 30 days | 30 days |
| Renewal Benefit / Cumulative Bonus | ||||
Silver Smart & Gold Smart: 10% on base sum insured for every claim free year and up to 100%; Platinum Smart: 25% on base sum insured for every claim free year and up to 200% |
5% on base sum insured for every claim free year and up to 50% | 5% on base sum insured for every claim free year and up to 50% | 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 | ||||
Silver Smart:Not Covered; Gold Smart: Up to 2 lakhs; Platinum Smart : Up to 5 lakhs. |
Not Covered | Not Covered | Not covered | Not covered |
| Available sum insured options | ||||
Silver Smart: Rs.3 to 5 Lakhs Gold Smart: Rs.7.5 to 15 Lakhs Platinum Smart: Rs.20 to 75 Lakhs |
Rs.3 to 50 Lakhs | Rs.1 to 5 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 Year | 1/2/3 years | 1/2/3 years |
| Eligibility criteria | ||||
| Adults from 18 Years to lifetime entry (dependents 91 days to 25 years) | Adults from 18 Years to lifetime entry (dependents 91 days to 25 years) | Adults from 18 to 65 years (dependents 91 days to 25 years).If the child above 18 years of age is financially independent, he or she shall be ineligible for coverage in the subsequent renewals | 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 | Renewal for whole life | Renewal for whole life |
| Claims loading | ||||
| Loading | Loading | No Loading | No Loading | No Loading |
| Portablity(At the time of renewal) | ||||
| Yes | Yes | Yes | Yes | Yes |
| Tax Benefits Limit | ||||
| Income tax benefit under section 80D | Income tax benefit under section 80D | Income tax benefit under section 80D | Income tax benefit under section 80D | Income tax benefit under section 80D |
