Beshak
Rating - Insurance Ratings based on stuff that matters to
you!
Health Insurance
Best Health Plans
Manipal Cigna ProHealth Prime (Advantage) vs Bajaj Allianz Health Guard (Platinum)
Compare Health Insurance
Manipal Cigna ProHealth Prime (Advantage) vs Bajaj Allianz Health Guard (Platinum)
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?
Manipal Cigna ProHealth Prime (Advantage) with similar Health Insurances
Bajaj Allianz Health Guard (Platinum) with similar Health Insurances
Compare Manipal Cigna ProHealth Prime (Advantage) and Bajaj Allianz Health Guard (Platinum)
Claims Track Record:
Manipal Cigna ProHealth Prime (Advantage)
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.
Bajaj Allianz Health Guard (Platinum)
When it comes to settling claims, Bajaj Allianz General Insurance Company Limited has settled 99.38% of claims in less than 30 days. They have a claim settlement ratio of 72.14% and a claims incurred ratio of 81.10%. Additionally, they've received fewer complaints related to claims compared to other insurers.
Service Experience:
Manipal Cigna ProHealth Prime (Advantage)
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.
Bajaj Allianz Health Guard (Platinum)
The Bajaj Allianz General Insurance Company Limited offers customer service via toll-free number and Twitter. Both their Twitter response and toll-free response rate are average. In case of any issues or queries, you can contact either of these channels for assistance.
Product Benefits:
Manipal Cigna ProHealth Prime (Advantage)
As part of the Manipal Cigna ProHealth ProHealth Prime (Advantage) 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 all day care treatments, inpatient organ donor expenses, and modern treatments up to the sum insured. Domiciliary treatments, except 8 illnesses, are covered up to 10% of the sum insured. Furthermore, the plan also covers the cost of consumables up to the sum insured, if you opt for an add-on. The Manipal Cigna ProHealth ProHealth Prime (Advantage) Plan lets you pick any hospital room; it doesn’t impose any room rent limits. It has no ICU rent limit if you opt for an add-on. There are no sub-limits on common treatments/surgeries like cataract treatment, joint replacement surgery, etc., no copays, and no deductibles. The Manipal Cigna ProHealth ProHealth Prime (Advantage) Plan has a waiting period of 24 months for pre-existing diseases and a waiting period of 24 months for specific diseases.
Bajaj Allianz Health Guard (Platinum)
The Bajaj Allianz Health Guard (Platinum) Plan covers hospitalisation expenses as well as pre and post-hospitalisation expenses. While pre-hospitalisation expenses are covered for 60 days before hospitalisation and post-hospitalisation expenses are covered for 90 days after discharge up to the sum insured. It covers 399 daycare treatments and modern treatments up to the sum insured. Also, costs associated with harvesting the organ from the donor are covered up to the sum insured as well. With the Bajaj Allianz Health Guard (Platinum) plan, you can choose any room type - there's no restriction on room rent. Further, there is no ICU rent limit and deductible as well. However, an optional copayment of 10% or 20% may be applicable. Common treatments/surgeries like cataract treatment are covered up to 20% of the sum insured per eye per policy year subject to a maximum of Rs 1 lakh and joint replacement surgery is covered up to the sum insured. Under the policy, pre-existing diseases have a 36-month waiting period, specific diseases have a 24-month waiting period and some conditions have a 36-month waiting period.