Star Health Insurance vs Manipal Cigna Health Insurance

Looking for a health insurance policy? Remember to check not only the price of the insurance policy but also its features. It is no use compromising on the benefits of a policy to save a few rupees. However, if affordability is of prime importance to you, there are several health insurance policies that provide comprehensive coverage at affordable premium prices. Take Star Health Insurance and Manipal Cigna Health Insurance that offer policies at average rates of Rs. 10,000 – Rs. 15,000 per year. And while you are at it, take a look at the benefits offered. 

Star Health Insurance vs Manipal Cigna Health Insurance – Overview 

Parameter Star Health Insurance Manipal Cigna Health Insurance
No. of health insurance policies 10+ 10+
E-services Policy salePolicy renewalClaim settlementBranch locator Online consultation24x7 customer help Policy salePolicy renewalClaim settlementBranch locator Online consultation24x7 customer support 
Branches 600+ 47
Claim settlement ratio 90% 89.50%
Cashless claim settlement time  2 hours  2 hours
Hospital network 9,000+ 6,500+

*Source: The Insurance Regulatory and Development Authority of India’s (IRDAI) Annual Report – for the years 2019-20.

Star Health Insurance vs Manipal Cigna Health Insurance Comparison

Both Star Health Insurance and Manipal Cigna Health Insurance are leading players in the insurance industry. They share a bunch of similar features such as offering over 10 health insurance policies, taking around 2 hours to settle cashless claims and having claim settlement ratios around 90%. 

Family Floater Policy: 

All of Star Health Insurance and Manipal Cigna Health Insurance companies’ policies are available on a family floater basis. However, both companies offer specific outstanding family-centric policies.

Star Health Insurance offers 4 family floater policies:

  • Star Comprehensive Insurance 
  • Star Family Delite 
  • Family Health Optima 
  • Star Health Gain 

These policies give: 

  • Sum insured (SI) amount options up to Rs. 1,00,00,000
  • Coverage for: 
  • Pre and post-hospitalization expenses 
  • In-patient hospitalization expenses 
  • Domiciliary/home hospitalization costs 
  • Daycare procedures 
  • Organ donor transplantation expenses
  • Non-allopathic treatments – Ayurveda, Unani, Siddha, and Homeopathy (AYUSH) 
  • Maternity and newborn baby care expenses 
  • Modern/advanced treatments 
  • Ambulance charges. 
  • Automatic restoration of the SI upon exhaustion of the base SI 

Manipal Cigna Health Insurance offers 6 family floater policies: 

  • ProHealth Select 
  • ProHealth Premier
  • ProHealth Accumulate 
  • ProHealth Protect
  • ProHealth Preferred
  • ProHealth Plus 

These plans give: 

  • SI amount options up to Rs. 1,00,00,000
  • Coverage for: 
  • Pre and post-hospitalization expenses 
  • In-patient hospitalization expenses 
  • 546 daycare procedures
  • Domiciliary/home hospitalization 
  • Organ donor transplantation expenses 
  • AYUSH treatments 
  • Ambulance charges 
  • Full restoration of the SI upon exhaustion of the base SI 
  • An additional critical illness rider for 11 critical diseases 

Critical Illness Policy: 

Star Health Insurance’s Critical Illness Policy, called ‘Star Criticare’ gives: 

  • SI amount options up to Rs. 10,00,000 
  • 100% payout of the SI in on the diagnosis of a listed critical illness 
  • Protection against: 
  • Coverage for: 
  • 9 critical illnesses including cancer, chronic kidney disease, and irreversible coma
  • Pre and post-hospitalization expenses 
  • In-patient hospitalization expenses 
  • Daycare procedures 
  • Modern/advanced treatments 
  • AYUSH treatments 
  • Ambulance charges 

Manipal Cigna Health Insurance’s Critical Illness Policy, called ‘Lifestyle-Protection Critical Care’ gives: 

  • SI amount options up to Rs. 25,00,00,000
  • The freedom to choose between lump-sum or staggered payout options 
  • 100% payout of the SI on the diagnosis of a listed critical illness 
  • Coverage for up to 30 critical illnesses such as: 
  • Cancer
  • Total blindness 
  • Kidney failure 
  • Liver failure 
  • Multiple sclerosis 
  • Permanent paralysis 

Daily Hospital Cash Policy: 

Star Health Insurance’s Daily Hospital Cash Policy gives: 

  • Daily cash benefits (DCB) up to Rs. 5,000 for a maximum of 180 days of hospitalization 
  • 150% of the DCB for hospitalization of the insured due to an accident 
  • 200% of the DCB for hospitalization of the insured in the intensive care unit (ICU) 
  • Coverage for 10 daycare procedures 
  • Convalescence benefits for hospitalization beyond 5 days 
  • A childbirth cash benefit for a female insured

Manipal Cigna Health Insurance’s Daily Hospital Cash Policy gives: 

  • DCB up to Rs. 5,000 for a maximum of 180 days of hospitalization
  • Thrice the DCB for ICU hospitalization (up to Rs. 15,000)
  • Twice the DCB on hospitalization due to an accident (up to Rs. 10,000) 
  • Five times the DCB towards convalescence benefits 
  • 3 additional benefits:
  • A compassionate benefit
  • A daycare treatment benefit
  • A companion benefit

Related Posts: