Policy compare
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Compare real policy features side-by-side and quickly spot where one plan is stronger.
| Feature | ManipalCigna - ProHealth (Accumulate) | ManipalCigna - Manipal Cigna ProHealth Prime (Protect) |
|---|---|---|
| Room Rent Limit | NA | No limit |
| ICU Limit | NA | No limit |
| Disease Sub-limit | NA | Yes |
| Initial Waiting (Days) | 30 | 30 |
| Specific Disease Waiting (Years) | NA | 2 |
| Pre-existing Disease Waiting (Years) | 3 | NA |
| Pre-Hospitalisation | 60 days (Covered up to: sum insured) | NA |
| Post-Hospitalisation | 90 days (Covered up to: sum insured) | NA |
| Daycare Procedures | NA | Yes |
| Domiciliary | NA | Yes (Covered up to: sum insured) |
| Organ Donor Cover | NA | Yes (Covered up to: sum insured) |
| Refill on Exhaustion | Available | Available |
| Refill Illness Applicability | NA | Related and unrelated illness |
| Refill Trigger | Partial exhaustion of Sum Insured | 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 | 25% | 25% |
| Bonus Max Limit | 200% | 10% |
| % 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 | NA | Affordable |
| Plan Type | Individual / Family Floater | Individual / Family Floater |