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Aditya Birla Activ Fit (Plus) vs Manipal Cigna ProHealth Prime (Advantage)
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Aditya Birla Activ Fit (Plus) with similar Health Insurances
Manipal Cigna ProHealth Prime (Advantage) with similar Health Insurances
Compare Aditya Birla Activ Fit (Plus) and Manipal Cigna ProHealth Prime (Advantage)
Claims Track Record:
Aditya Birla Activ Fit (Plus)
Aditya Birla Health Insurance Company Limited has a claim settlement ratio of 94.51%, with claims incurred ratio of 68.31%. The company has a claim settlement ratio of 94.59%, resolved within a 30-day period. However, it's important to mention that the company has received more complaints related to claims and policy purchases 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:
Aditya Birla Activ Fit (Plus)
When it comes to customer service, Aditya Birla Health Insurance offers support via a toll-free helpline, which is rated as average. On a positive note, their response time on Twitter is notably quick, ensuring a faster resolution for social media queries.
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:
Aditya Birla Activ Fit (Plus)
The Aditya Birla Activ Fit (Plus) Plan provides comprehensive coverage, ensuring you're well-protected across various medical needs. This includes both pre-hospitalisation and post-hospitalisation expenses. Specifically, pre-hospitalisation expenses are covered for up to 90 days before admission, while post-hospitalization expenses are taken care of for up to 180 days after discharge - both within the sum insured limit. Additionally, the plan extends to all daycare treatments, domiciliary care, and expenses related to organ donation procedures. It also covers modern treatments and non-medical expenses (as an add-on), offering coverage up to the full sum insured. With the Aditya Birla Activ Fit (Plus) Plan, you get the freedom to select any room during hospitalisation, as there are no room rent limits. Additionally, there is no cap on ICU rent. The policy also does not have copayments or deductibles. Common medical treatments and surgeries, such as cataract procedures and joint replacements, are fully covered up to the sum insured without limitations. However, it’s important to keep in mind that pre-existing diseases have a waiting period of 36 months, while specific conditions carry a 24-month waiting period (48 months for genetic disorders).
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.