Beshak
Rating - Insurance Ratings based on stuff that matters to
you!
Health Insurance
Best Health Plans
ManipalCigna ProHealth (Plus) vs Reliance General Health Gain (Power)
Compare Health Insurance
ManipalCigna ProHealth (Plus) vs Reliance General Health Gain (Power)
View detail comparison
Consult & Buy from
India’s Top 5% Experts!
Insuring your future, start here 👉🏻
Whom do you want to insure?
Whats your age?
Select age
What's your Pincode?
ManipalCigna ProHealth (Plus) with similar Health Insurances
Reliance General Health Gain (Power) with similar Health Insurances
Compare ManipalCigna ProHealth (Plus) and Reliance General Health Gain (Power)
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.
Reliance General Health Gain (Power)
Reliance General Insurance Company Limited has a claim settlement ratio of 85.52% and claims incurred ratio of 87.12%. It has also settled 89.89% of claims in less than 30 days. They've received fewer complaints related to claims 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.
Reliance General Health Gain (Power)
Reliance General Insurance Company Limited offers customer service via their toll-free number and Twitter account. Based on our research, their Twitter response rate is quick, and their toll-free response rate is average. We recommend contacting the company's Twitter handle for assistance in times of need.
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.
Reliance General Health Gain (Power)
Reliance General Health Gain (Power) Plan covers hospitalisation expenses as well as pre and post hospitalisation expenses. If you opt for add-ons, pre-hospitalisation expenses are covered for 90 days before hospitalisation, and post-hospitalisation expenses are covered for 180 days after discharge - up to the sum insured. Additionally, the plan covers all day care treatments and domiciliary treatments (except 15 illnesses) up to the sum insured. Inpatient organ donor expenses are covered up to 50% of the sum insured, with a maximum cap of Rs 5 lakhs. Modern treatments and consumables are covered up to the sum insured if you go for an add-on. The Reliance General Health Gain (Power) Plan gives you the freedom to choose any room without imposing any limits if you opt for an add-on. Further, it has no ICU rent limit, copay, or sub-limits on common treatments/surgeries like cataract treatment, joint replacement surgery, etc. However, the plan does come with optional deductibles of Rs 10,000/Rs 25,000/Rs 50,000/Rs 1,00,000. The Reliance General Health Gain (Power) Plan has a waiting period of 12 months for pre-existing diseases if you go for an add-on and a waiting period of 24 months for specific diseases.