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Manipal Cigna ProHealth Prime (Advantage) vs Tata AIG MediCare Premier
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Manipal Cigna ProHealth Prime (Advantage) vs Tata AIG MediCare Premier
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Manipal Cigna ProHealth Prime (Advantage) with similar Health Insurances
Tata AIG MediCare Premier with similar Health Insurances
Compare Manipal Cigna ProHealth Prime (Advantage) and Tata AIG MediCare Premier
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.
Tata AIG MediCare Premier
TATA AIG General Insurance Company has a claim settlement ratio of 81.95% and claims incurred ratio of 78.33%. They have settled 69.59% of claims in less than 30 days. Further, they have also received a lower number of claim complaints 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.
Tata AIG MediCare Premier
TATA AIG General Insurance Company offers customer service through their toll-free number and via Twitter. However, their Twitter response rate is average, while their response rate over toll-free is quick. So, if you have any questions or concerns, or require assistance, you might receive prompt assistance through toll free than Twitter.
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.
Tata AIG MediCare Premier
The TATA AIG Medicare Premier 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 90 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 harvesting the organ from the donor are covered up to the sum insured as well. The plan also covers the cost of consumables up to the sum insured. Under TATA AIG Medicare Premier Plan, you can choose any room type - there is no restriction or room rent as well as ICU rent. It also does not have any copayment or deductible limit. Further, there is no limit on common treatments/surgeries like cataract treatment, joint replacement surgery, etc. There is a waiting period of 24 months applicable for pre-existing diseases and a waiting period of 24 months for specific diseases.