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Niva Bupa Aspire (Titanium+) vs ManipalCigna ProHealth (Plus)
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Niva Bupa Aspire (Titanium+) vs ManipalCigna ProHealth (Plus)
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Niva Bupa Aspire (Titanium+) with similar Health Insurances
ManipalCigna ProHealth (Plus) with similar Health Insurances
Compare Niva Bupa Aspire (Titanium+) and ManipalCigna ProHealth (Plus)
Claims Track Record:
Niva Bupa Aspire (Titanium+)
Niva Bupa Health Insurance Company Limited has a claim settlement ratio of 85.18% and claims incurred ratio of 65.44%. They have settled 99.95% 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:
Niva Bupa Aspire (Titanium+)
Niva Bupa Health Insurance Company offers customer service through their toll-free number and via Twitter. Their Twitter response rate is average and so is the response rate over their toll-free number. So, if you have any questions or concerns, or require assistance, you can expect the same amount of time for assistance.
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:
Niva Bupa Aspire (Titanium+)
The Niva Bupa Aspire (Titanium+) Plan covers hospitalisation expenses as well as pre and post hospitalisation expenses. Pre-hospitalisation expenses incurred for 60 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. Costs associated with the inpatient expenses of the organ donor are covered up to the sum insured as well. Under Organ Donor Cover, there is a special condition that if you donate any of your organs, the expenses incurred for harvesting the organ from you will also be covered. As for non-medical expenses, they are covered without any limits if included as an add on.
Under Niva Bupa Aspire (Titanium+) Plan, there is no room rent limit as well as ICU rent limit. It also does not have any copayment unless you choose the borderless add-on, which offers several co-payment options. Among these options, you have the flexibility to select a 0% co-payment by opting for a slightly higher premium. It also provides you with the provision of choosing deductible from options - Rs 20,000 /- Rs 30,000/- Rs 50,000/- Rs 1,00,000. Further, there is no limit (covered up to the sum insured) on common treatments/surgeries like cataract treatment, joint replacement surgery, etc. There is a waiting period of 36 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.