🚀 Fincover® App is Now Live!
Join 10 Million+ users on web – now available on mobile!
Last updated on: May 20, 2025
The key pain points associated with choosing 1 crore health insurance in India for 2025 include justifying the high sum insured, understanding the layered policy structure, and ensuring inclusion of global and specialized treatment benefits. The featured 1 Crore Health Insurance in India effectively addresses these issues by offering all-inclusive coverage for high-cost treatments, international medical care, critical illnesses, and long-term hospitalization. It is ideal for HNIs, business owners, and families seeking top-tier medical protection without financial limits. The platform enhances user clarity with transparent breakdowns, AI-driven customization based on lifestyle and risk exposure, and expert guidance to ensure maximum return on investment and seamless claims experience.
Author
Read Bio
Reviewed by
Read BioSelecting the best health insurance plan in India is vital for protecting your health and managing medical bills effectively. With rising healthcare costs in 2025, two popular insurers often compared are Aditya Birla Health Insurance and CignaTTK Health Insurance (also known as ManipalCigna). Both offer comprehensive policies—yet their features, benefits, and suitability may differ for every family or individual. This complete guide analyses Aditya Birla Health Insurance vs CignaTTK Health Insurance on parameters relevant for 2025, helping you make a well-informed choice with facts, detailed comparisons, and real-world insights.
Aditya Birla Health Insurance, part of the Aditya Birla Group, has quickly established itself in India as a trusted provider, offering solutions focused on wellness, preventive care, and customer-centric claims processes.
CignaTTK Health Insurance, now known as ManipalCigna Health Insurance, is a joint venture between Manipal Group and global insurer Cigna. It has a reputation for innovative benefits, broad coverage, and wellness programs tailored to Indian lifestyles.
Both companies cater to individuals, families, senior citizens, and corporates—offering health plans that include basic coverage, top-up options, and specific products for critical illnesses.
Did you know?
In 2024, the average claim size for urban Indians increased by over 15 percent—a major reason more people are looking at health plans with wellness and preventive care benefits.
| Feature | Aditya Birla Health Insurance | CignaTTK (ManipalCigna) Health Insurance |
|---|---|---|
| Year Started | 2015 | 2014 |
| Network Hospitals | 10,000+ | 8,500+ |
| Cashless Claim Approval | Within 60 mins (avg) | Within 90 mins (avg) |
| Wellness Rewards | Yes, Up to 100% premium return | Yes, Up to 30% discount on renewal |
| Disease Management | Active Health Suite, condition mgmt | ProActive Living Suite, health coaches |
| Claim Settlement Ratio (2023) | 94.36 percent | 96.01 percent |
| Pre-Existing Waiting Period | 3 years (can be reduced) | 2–4 years (depends on plan) |
| Premiums (Age 30, 5 lakh SI) | ₹10,000 – ₹13,500 per year | ₹11,000 – ₹14,600 per year |
| Key Plans | Activ Health, Activ Care, Super Topup | ProHealth Protect, ProHealth Plus |
Both companies enjoy high settlement rates and customer trust. Aditya Birla’s claim approval speed is valued by metro customers with regular hospitalization needs, while CignaTTK’s support for preventive health has strong appeal among working professionals and families.
People also ask:
Which company has a bigger hospital network? Aditya Birla covers over 10,000 hospitals as of 2025, while CignaTTK/ManipalCigna covers over 8,500.
| Pros/Cons | Aditya Birla Health Insurance | CignaTTK (ManipalCigna) Health Insurance |
|---|---|---|
| Pros | - Larger hospital network | - Lower waiting for pre-existing diseases |
| - Innovative health reward system | - Global emergency coverage available | |
| - swift claim processes | - Extensive wellness and disease management | |
| - Wide range of plans | - Family-friendly floater and addon options | |
| Cons | - Slightly higher premium for some plans | - Limited network in certain tier 3 towns |
| - Health tracking is app-dependent | - May need annual fitness checks for high rewards | |
| - 3 years pre-existing waiting (base) | - Some add-ons increase premium |
Did You Know?
Around 35 percent of new policyholders in 2024 selected plans that earned rewards or cashback for healthy behavior—showing a big shift towards wellness.
Aditya Birla’s ‘Health Returns’ program rewards policyholders who regularly track their steps, activity, and complete preventive checkups. One can earn up to 100 percent of annual premium back as a wellness bonus. Their digital app tracks fitness, and regular participation is required.
CignaTTK goes further by offering customized health coaching, discounted health services, gym tie-ups, and even covers mental health needs. Their ‘ProHealth Rewards’ gives up to 30 percent premium discount at renewal for healthy participants.
People preferring direct cashback for fitness may prefer Aditya Birla, while those valuing holistic and coached wellness might choose CignaTTK.
Priya, 34, Mumbai: Switching to Aditya Birla, Priya walked over 8000 steps per day, earning ₹10,000 in ‘HealthReturns’—almost her full premium. Her friend in Bengaluru with CignaTTK received gym discounts and 15 percent policy renewal discount after joining yoga classes.
People also ask:
Can I avail wellness rewards every year? Yes, both insurers allow annual participation. Aditya Birla credits points monthly, while CignaTTK applies discounts at policy renewal.
| Insurer | Individual Annual Premium | Family Floater (2A+1C) |
|---|---|---|
| Aditya Birla Health Insurance | ₹10,000–13,500 | ₹18,000–22,500 |
| CignaTTK (ManipalCigna) Health | ₹11,000–14,600 | ₹20,000–25,000 |
Rohit, 40, Pune: After comparing on an online insurance marketplace, Rohit found both companies’ family plans fit his ₹7 lakh desired sum insured. Aditya Birla offered a slightly lower cashless hospital count, while CignaTTK included telemedicine benefits relevant for his remote-working lifestyle.
Did You Know?
As of 2025, the average health insurance sum insured taken by urban Indian families rose to ₹7.5 lakh from ₹5 lakh in 2020.
Both Aditya Birla Health Insurance and CignaTTK Health Insurance have digitized claim processing and dedicated support apps.
| Insurer | Claim Settlement Ratio (2023-24) |
|---|---|
| Aditya Birla Health Insurance | 94.36 percent |
| CignaTTK Health Insurance | 96.01 percent |
A higher ratio indicates better likelihood of smooth claims.
People also ask:
Which insurer offers faster claim settlement in cities? Aditya Birla is slightly faster on cashless processes. Both are competitive in metros and larger towns with app support.
Nearly 60 percent of all cashless claims in tier 1 and 2 cities are settled within 48 hours, according to a leading insurance information aggregator.
Both brands offer major add-ons to tailor policies:
These extras allow families or individuals to beef up protection and close coverage gaps for 2025.
You can compare more than 30+ health insurance plans from these and many other insurers on popular digital aggregator platforms to review features, premium breakdown, and special offers in one dashboard. This makes it easier to see hidden differences.
Scenario 1:
A young working couple, tech savvy, who travel and want fitness-linked rewards—Aditya Birla’s Activ Health plans with ‘HealthReturns’ may prove cost-effective.
Scenario 2:
Family with prior heart issues and needs guided wellness—CignaTTK’s ProHealth with health coach and disease management suite helps ongoing support.
Scenario 3:
Elderly parents with diabetes, living in a small town with a single private hospital—look up the local hospital network in both insurers. Aditya Birla likely covers more hospitals in semi-urban India as of 2025.
Both insurers have robust floater plans, but differences exist:
For senior citizens, Aditya Birla offers Activ Care Senior (with lifetime renewal), while CignaTTK’s Heart Protect and Senior First plans cover known conditions and offer comprehensive riders.
People also ask:
Who offers better cover for parents above 60? Both have senior-focused options. Aditya Birla may provide better cashless reach. Compare pre-existing coverage specifics carefully.
Aditya Birla Health Insurance vs CignaTTK Health Insurance (ManipalCigna) in 2025:
Which insurer has better claim settlement in 2025?
Both are high, but CignaTTK is slightly higher at 96.01 percent as per 2023-24 data.
What is the renewal process for these insurers?
Both allow online renewal, with auto-reminders, and policy upgrades available via app or customer helpline.
Can NRIs buy these health insurance policies?
Yes, but the residence clause and medical checkups may apply. Global coverage is available in select plans from both insurers.
How to port from one insurer to another?
Request policy portability at least 45 days before expiry. Submit documents and select a matching plan with the new insurer.
Can I buy these via online platforms and get discounts?
Definitely. Online comparison platforms offer up-to-date quotes, features, and seasonal discounts unavailable offline.
What documents are needed for cashless claim?
Hospitalization records, policy ID, doctor’s certificate, valid KYC. Both insurers operate smooth, paperless claims at empanelled hospitals.
How could we improve this article?
Written by Prem Anand, a content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors.
Prem Anand is a seasoned content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors. He has a strong command of industry-specific language and compliance regulations. He specializes in writing insightful blog posts, detailed articles, and content that educates and engages the Indian audience.
The content is prepared by thoroughly researching multiple trustworthy sources such as official websites, financial portals, customer reviews, policy documents and IRDAI guidelines. The goal is to bring accurate and reader-friendly insights.
This content is created to help readers make informed decisions. It aims to simplify complex insurance and finance topics so that you can understand your options clearly and take the right steps with confidence. Every article is written keeping transparency, clarity, and trust in mind.
Based on Google's Helpful Content System, this article emphasizes user value, transparency, and accuracy. It incorporates principles of E-E-A-T (Experience, Expertise, Authoritativeness, Trustworthiness).
Loved by 1M+ users. Start your financial journey today!
