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Star Health Assure vs Manipal Cigna ProHealth Prime (Advantage)
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Star Health Assure vs Manipal Cigna ProHealth Prime (Advantage)
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Star Health Assure with similar Health Insurances
Manipal Cigna ProHealth Prime (Advantage) with similar Health Insurances
Compare Star Health Assure and Manipal Cigna ProHealth Prime (Advantage)
Claims Track Record:
Star Health Assure
Star Health and Allied Insurance Company Limited has a claim settlement ratio of 61.98% and claims incurred ratio of 65.41%. It has settled 95.22% of claims in less than 30 days. The company has received higher complaints related to claims as compared to other insurers.
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.
Service Experience:
Star Health Assure
Star Health and Allied 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 average, making it the better choice.
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.
Product Benefits:
Star Health Assure
As part of the Star Health Assure 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, domiciliary treatments (except for 14 illnesses), inpatient organ donor expenses, and modern treatments up to the sum insured. Furthermore, consumables are covered up to the sum insured as well. The Star Health Assure Plan comes with a room rent limit; you can choose any room except suites and above. But the good news is that it doesn’t levy any ICU rent limits. Common treatments/surgeries like cataract treatments, joint replacement surgeries, etc. don’t come with any sub-limits and are covered up to the sum insured. The Star Health Assure Plan also imposes a copay of 10% if your age at the time of entry is 61 years or above and comes with optional deductibles of Rs 50,000/Rs 1,00,000. The plan has a waiting period of 36 months for pre-existing diseases and a waiting period of 24 months for specific diseases.
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.