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ManipalCigna ProHealth (Plus) vs Royal Sundaram Lifeline (Supreme)
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ManipalCigna ProHealth (Plus) vs Royal Sundaram Lifeline (Supreme)
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ManipalCigna ProHealth (Plus) with similar Health Insurances
Royal Sundaram Lifeline (Supreme) with similar Health Insurances
Compare ManipalCigna ProHealth (Plus) and Royal Sundaram Lifeline (Supreme)
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.
Royal Sundaram Lifeline (Supreme)
Royal Sundaram General Insurance Company Limited has a claim settlement ratio of 64.53% and claims incurred ratio of 92.30%. It has settled 99.87% 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.
Royal Sundaram Lifeline (Supreme)
Royal Sundaram General 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. You may encounter difficulties when trying to seek help from the team.
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.
Royal Sundaram Lifeline (Supreme)
As part of the Royal Sundaram Lifeline (Supreme) 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 90 days after discharge, both up to the sum insured. Additionally, the plan covers all day care treatments, domiciliary treatments, and inpatient organ donor expenses up to the sum insured. Modern treatments are covered up to 50% of the sum insured. The Royal Sundaram Lifeline (Supreme) Plan comes with no room rent and ICU rent limits. Common treatments/surgeries like cataract treatments, joint replacement surgeries, etc., don’t come with sub-limits, and there’s no imposed copay or deductible. The Royal Sundaram Lifeline (Supreme) Plan has a waiting period of 36 months for pre-existing diseases and a waiting period of 24 months for specific diseases.