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ManipalCigna ProHealth (Plus) vs New India Floater Mediclaim
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ManipalCigna ProHealth (Plus) vs New India Floater Mediclaim
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ManipalCigna ProHealth (Plus) with similar Health Insurances
New India Floater Mediclaim with similar Health Insurances
Compare ManipalCigna ProHealth (Plus) and New India Floater Mediclaim
Claims Track Record:
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.
New India Floater Mediclaim
New India Assurance Company Limited has a claim settlement ratio of 75.16% and claims incurred ratio of 104.53%. It has settled 74.37% of claims in less than 30 days. The company has received fewer complaints related to claims as compared to other insurers.
Service Experience:
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.
New India Floater Mediclaim
New India Assurance 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 average, making it the better choice.
Product Benefits:
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.
New India Floater Mediclaim
As part of the New India Floater Mediclaim Policy, hospitalisation expenses as well as pre and post-hospitalisation expenses are covered. Pre-hospitalisation expenses are covered for 30 days before hospitalisation and post-hospitalisation expenses are covered for 60 days after discharge, both up to the sum insured. Additionally, the plan covers 139 day care treatments and inpatient organ donor expenses up to the sum insured. It also covers modern treatments, but has certain financial sub-limits for various procedures. The New India Mediclaim Floater Policy comes with a room rent limit up to 1% of the sum insured for each day and an ICU rent limit up to 2% of the sum insured for each day. There are no copays or deductibles levied by the plan. Certain common treatments or surgeries come with financial sub-limits, like cataract treatments, which are covered up to Rs 1 lakh per eye per policy year as an option; however, joint replacement surgeries are covered up to the sum insured. The New India Floater Mediclaim Policy has a waiting period of 48 months for pre-existing diseases and a waiting period of 3/24/48 months for specific diseases (varies as per the disease).