Compare Religare vs Manipal Cigna Health Insurace
| Religare | Manipal Cigna | |
|---|---|---|
| Claims Settlement Ratio ** | 95.2 % | 90.02 % |
| Number of Lives Covered * | 1,07,13,000 | 1,101,000 |
| Network Hospitals | 16,500 + | 6,500 + |
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| Maternity health insurance - JOY | Religare health insurance - Care | ProHealth | ProHealth Select |
| In-patient Treatment | |||
| 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 | |||
| Single private room with AC | 3 & 4 Lakhs: 1% of sum insured per day 5 to 10 Lakhs: Single private room 15 to 75 Lakhs: Single private room,upgradable to next level |
Up to Single Private Room / Unlimited eligibility based on plan opted | Covered up to Single Private Room |
| ICU Charges | |||
| Covered | 3 & 4 Lakhs: 2% of sum insured per day 5 to 75 Lakhs: No limit |
Covered up to sum insured | Up to 4% of sum insured for ICU up to a max of 7,000 |
| Pre-hospitalization | |||
| 30 days before the date of admission to the hospital | Up to 30 days | Up to 60 days Covered | Up to 60 days Covered |
| Post-hospitalization | |||
| 60 days after discharge from the hospital | Up to 60 days | Up to 90 days Covered | Up to 90 days Covered |
| Day Care Procedures | |||
| Covered | Covers more than 540 day care treatments | 500 plus listed Day Care treatments covered up to sum insured | 171 procedures, covered up to full sum insured |
| Domiciliary Treatment | |||
| Not covered | Up to 10% of sum insured | Treatment at home covered up to sum insured | Covered up to sum insured |
| Emergency Ambulance | |||
| Up to a limit of Rs.1,000 per claim | 3 & 4 Lakhs: Rs.1,500 per hospitalisation 5 to 10 Lakhs: Rs.2,000 per hospitalisation 15 to 40 Lakhs: Rs.2,500 per hospitalisation 50 to 75 Lakhs: Rs.3,000 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 | Not covered | Not covered |
| Bariatric Surgery | |||
| Not covered | Not covered | Yes, if Bariatric surgery cover is opted | Not covered |
| Ayush Benefit | |||
| Not covered | Covers Non Allopathic treatment like Ayurveda, Homeopathy, Unani & Sidha | 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 | |||
3 Lakhs: Up to Rs.35,000 5 Lakhs: Up to Rs.50,000(Waiting period: 9 months) |
3 & 4 Lakhs: Not covered 5 to 10 Lakhs: Not covered 15 to 40 Lakhs: Not covered 50 to 75 Lakhs: Covered (Waiting period: 24 months) |
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 | |||
Rs.3 lakhs: Up to Rs.30,000 Rs.5 lakhs: Up to Rs.50,000 |
Not covered | Covered within maternity expenses | Not covered |
| Organ Donor Expenses | |||
| Not covered | Covered |
Covered up to sum insured | Covered up to sum insured |
| Vaccination (In case of post bite treatment) | |||
| Not covered | Covered | Not covered | Not covered |
| Health Check-up | |||
| Not covered | 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 | |||
| Not covered | Fixed lump sum amount for each completed day of hospitalisation payable for a maximum of 5 consecutive days | Not covered | Not covered |
| Co-pay | |||
| 20% co-pay above 60 years | 20% co-pay above 60 years | Covered | Covered |
| Pre-existing diseases coverage | |||
| Covered after 4 years of continuous coverage. | 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 | Recharge up to 100% of Base sum insured per year |
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 |
| Renewal Benefit / Cumulative Bonus | |||
Covered |
10% for every claim free year up to 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 | Covered(Optional) |
Not covered | Not covered |
| Available sum insured options | |||
| Rs.3 & 5 Lakhs | Rs.3 to 75 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 | 1/2/3 years |
| Eligibility criteria | |||
| Adults from 18 to 65 years (dependents 91 days to 17 years) | 5 years onwards, Dependent children between 91 days to 5 years can be covered only if both parents are covered under the policy | 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 |
| Daily Cash for Accompanying an Insured Child | |||
| Not covered | Not covered | Not covered | Not covered |
| Claims loading | |||
| No Loading | Loading | No Loading | No Loading |
| Portablity (At the time of renewal) | |||
| 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 |
