Policy compare
Compare two plans side-by-side
Compare real policy features side-by-side and quickly spot where one plan is stronger.
| Feature | ManipalCigna - LifeTime Health (India) | ManipalCigna - ProHealth (Plus) |
|---|---|---|
| Room Rent Limit | No limit | Capped |
| ICU Limit | No limit | NA |
| Co-Pay | No | NA |
| Initial Waiting (Days) | NA | 30 |
| Specific Disease Waiting (Years) | 2 | 2 |
| Pre-existing Disease Waiting (Years) | NA | 3 |
| Daycare Procedures | NA | Yes |
| Domiciliary | NA | Yes (Covered up to: sum insured) |
| Organ Donor Cover | NA | Yes (Covered up to: sum insured) |
| Modern Treatments | NA | Yes (Covered up to: sum insured) |
| Refill on Exhaustion | Available | Available |
| Refill Trigger | NA | Partial exhaustion of Sum Insured |
| Refill Limit | Unlimited times in a policy year | Unlimited times in a policy year |
| Refill Applicable Claim | Subsequent claims | Subsequent claims |
| Consumables | Yes | Yes |
| Bonus Rate | 15% | 10% |
| Bonus Max Limit | 10% | 200% |
| % Settled < 30 Days | 98.69% | 98.69% |
| % Complaints on Claims | 0.25% | 0.25% |
| Incurred Claim Ratio | 75.45% | 75.45% |
| Claim Settlement Ratio (No.) | 93.07% | 93.07% |
| Claim Settlement Ratio (Value) | 66.77% | 66.77% |
| Claim Rejection Ratio | 6.24% | 6.24% |
| Cashless Hospitals | 26,000+ | 26,000+ |
| Affordability | Expensive | NA |
| Plan Type | Individual / Family Floater | Individual / Family Floater |