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Aditya Birla Activ One (NXT) vs ManipalCigna ProHealth (Plus)
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Aditya Birla Activ One (NXT) vs ManipalCigna ProHealth (Plus)
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Aditya Birla Activ One (NXT) with similar Health Insurances
ManipalCigna ProHealth (Plus) with similar Health Insurances
Compare Aditya Birla Activ One (NXT) and ManipalCigna ProHealth (Plus)
Claims Track Record:
Aditya Birla Activ One (NXT)
Aditya Birla Health Insurance Company Limited has a claim settlement ratio of 90.24% and claims incurred ratio of 72.71%. They have settled 98.61% of claims in less than 30 days. Further, they have received a higher number of claim complaints compared to other insurers.
ManipalCigna ProHealth (Plus)
Manipal Cigna Health Insurance Company Limited has a claim settlement ratio of 77.78% and claims incurred ratio of 65.08%. It has settled 99.15% of claims in less than 30 days. The company has received higher complaints related to claims as compared to other insurers.
Service Experience:
Aditya Birla Activ One (NXT)
Aditya Birla Health Insurance Company Limited offers customer service through their toll-free number and via Twitter. However, their Twitter response rate is quicker than their response rate over a toll-free number. So, if you have any questions or concerns, or require assistance, you might receive prompt assistance through Twitter.
ManipalCigna ProHealth (Plus)
Manipal Cigna Health Insurance Company Limited offers customer service via its toll-free number and Twitter account. Based on our research, the Twitter response rate is slow, and the toll-free response rate is slow as well.
Product Benefits:
Aditya Birla Activ One (NXT)
The Aditya Birla Activ One (NXT) covers hospitalisation expenses as well as pre and post hospitalisation expenses. Pre-hospitalisation expenses incurred for 90 days before hospitalisation and post-hospitalisation expenses incurred for 180 days after discharge are covered up to the sum insured. It also covers all day care treatments, domiciliary treatments and modern treatments up to the sum insured. Inpatient costs of the organ donor in case of organ transplantation are covered up to the sum insured as well. Do note that the donor’s pre and post-hospitalisation expenses will not be covered. The plan also covers non-medical expenses with no cap or limit when you opt for it as an add on.
Under Aditya Birla Activ One (NXT), there is no room rent limit or ICU rent limit. It also does not have any copayment or deductible limit. Further, there is no limit on common treatments/surgeries like cataract treatment, joint replacement surgery, etc. These are covered up to the sum insured. There is a waiting period of 48 months applicable for pre-existing diseases and a waiting period of 24 months for specific diseases.
ManipalCigna ProHealth (Plus)
As part of the Manipal Cigna ProHealth (Plus) Plan, hospitalisation expenses as well as pre and post-hospitalisation expenses are covered. Pre-hospitalisation expenses are covered for 60 days before hospitalisation and post-hospitalisation expenses are covered for 180 days after discharge, both up to the sum insured. Additionally, the plan covers 546 day care treatments, domiciliary treatments (except 8 illnesses), inpatient organ donor expenses, and modern treatments up to the sum insured. The Manipal Cigna ProHealth (Plus) Plan lets you pick any hospital room except suites. It has no ICU rent limit or sub-limits on common treatments/surgeries like cataract treatment, joint replacement surgery, etc. However, it comes with an optional copay of 10% or 20% and a mandatory copay for entry age 65 years and above. It also has an optional deductible limit of Rs 1 Lakh, 2 Lakhs, 3 Lakhs, 4 Lakhs, 5 Lakhs, 7.5 Lakhs, or 10 Lakhs. The Manipal Cigna ProHealth (Plus) Plan has a waiting period of 36 months for pre-existing diseases and a waiting period of 24 months for specific diseases.