Bajaj Allianz Health Insurance Vs Cigna TTK Health Insurance: A Comparative Overview 2025

The key to navigating the world of health insurance in India in 2025 is finding plans that are reliable, broad in coverage, and affordable. Bajaj Allianz Health Insurance and Cigna TTK Health Insurance are two of the most popular names that come to mind when one is looking at the best health insurance policies in India. Both insurers have customized family, individual and senior citizen plans, but they have their own unique differences and advantages.

This detailed comparison will assist you in knowing the similarities and differences between Bajaj Allianz and Cigna TTK health insurance policies, so that you can make a wise medical insurance choice based on your health care requirements and financial goals.

What is Bajaj Allianz and Cigna TTK Health Insurance Famous For?

• Bajaj Allianz Health Insurance is a joint venture of Allianz SE and Bajaj Finserv Limited. Bajaj Allianz is one of the leading insurers in India and known to have innovative products, quick claim settlement and customer service.
• Cigna TTK Health Insurance (now operating as ManipalCigna Health Insurance) is an alliance between the global insurance leader Cigna Corporation and Indian entity TTK Group. It is known to offer specialized and customizable health plans and targets people who seek global coverage and value added services in physical and mental wellness.

People also inquire

What is the highest claim settlement ratio company in India?
Bajaj Allianz has been recording high claim settlement ratio, with Cigna TTK also recording high claim settlement ratio, both of which are often above 95 percent as per latest IRDAI annual reports.

What are the salient features or highlights of Bajaj Allianz and Cigna TTK Health Insurance?

Bajaj Allianz Health Insurance Key Features

• Over 6500 network hospitals in India to avail cashless treatments.
• They can submit their claims online using their Health Prime App, which reduces paperwork.
• Health returns are a positive incentive towards preventive health checkups.
• Restoration of sum insured in unrelated claims in the same policy year.
• Comprehensive maternity and newborn coverage in family plans.
• A wide choice of sum insured, between Rs 2 lakh and Rs 2 crore.
• Special critical illness riders on serious illnesses.

Cigna TTK Health Insurance Highlights

• More than 6000 network hospitals across the country.
• With a focus on illness prevention, global health cover, and wellness programs.
• Annual health checkups which are provided to all insured members under most plans.
• Even in their basic policies, they cover inpatient, outpatient, and AYUSH.
• PD cover, teleconsultation, and alternative medicine are offered.
• Several sum insured restoration provisions.
• Mental health and wellbeing services and plans.

Did you know it?
Both Bajaj Allianz and Cigna TTK provide health insurance to senior citizens, but the former tends to be more flexible with entry and exit ages, which is why it is a good option in multi-generational families.

A Comparison of Bajaj Allianz and Cigna TTK Health Insurance Plans

What Are The Advantages and Disadvantages?

Bajaj Allianz Health Insurance Advantages

• High claim settlement ratio with quick cashless approvals.
• A wide range of plans with low and high sum insured.
• Good online presence in terms of policy servicing and tracking of claims.
• The flexibility of insuring senior citizens and children in family plans.
• Accident and critical illness can be added.

Cons:

• Premiums in premium plans may be a bit higher.
• Basic maternity coverage can be found in some basic plans.
• PD coverage restricted to some upgraded plans.

Cigna TTK Health Insurance Pros

• A broad range of wellness programs and value added services.
• Extended OPD, preventive health checkups, and teleconsultations.
• Additional international coverage and increased restoration add-ons.
• Competitive large family floater premiums.

Cons:

• A bit less network hospital presence than Bajaj Allianz.
• The management of waiting periods on pre-existing diseases can be stringent on certain plans.
• Only in higher variant plans.

Expert Insight:
Most customers searching online with the query best health insurance for family in India 2025 would like to compare the quotes of both Bajaj Allianz and Cigna TTK on the online insurance comparison websites, which can show the differences in the benefits, exclusions, and prices depending on the age and health profile.

How Do Premiums And Value For Money Compare?

The cost of your plan is determined by a number of factors: age, number of members to be insured, city of residence, sum insured, and medical history.

Case Study: Urban Family (2025)
A family of four (parents aged 35, children 8 and 10), living in Mumbai. They prefer a floater policy with OPD and maternity cover of Rs 10 lakh.

Note: Premiums change annually. Compare the live rates and policy wordings on official sites before buying.

Which Kind of Plans: Individual, Family Floater, Senior Citizen?

• Single Adult Health Insurance: Bajaj Allianz and Cigna TTK have basic and comprehensive health insurance coverage, including in-patient, pre and post hospitalization, cashless network and value added benefits such as health checkups.
• Family Floater Plans: Suitable for nuclear and joint families where all the members are covered under a single policy.
• Senior Citizen Plans: Customized products for people above 60 years of age, with reduced waiting periods and special benefits for chronic illnesses.
• Critical Illness Covers: Lump sums paid on diagnosis of listed critical illnesses.

People also inquire

Do Bajaj Allianz and Cigna TTK cover pre existing diseases?
Yes, after a waiting period of 2 to 4 years depending on the plan.

What are Add-Ons and Riders to your Health Insurance?
Both companies enable you to increase coverage through add-ons:

• Personal Accident Cover
• Critical Illness Rider
• Maternity Plus Hospital Cash
• PD Coverage Extension
• Waiver of Rent
• Restoration Booster Insured
• Global health protection (more advanced in Cigna TTK)

Did you know it?
The new IRDAI guidelines of 2025 are centered on customer transparency. Bajaj Allianz and Cigna TTK have digital e-cards, claim status notifications, and reminders of annual free health checkups via their official mobile apps.

How Convenient Is the Claims Process?

• Bajaj Allianz is known for fast claim settlement, tech-enabled cashless treatment and online claims.
• Cigna TTK provides paperless claim process with an in-house claim settlement team reducing delays.

Case Example:
Priya, 40, Bangalore, admitted her daughter due to dengue fever. With a Cigna TTK policy, documentation was completed in two hours and the entire bill (except non-payable expenses) was settled cashless.

What of Customer Service and Digital Experience?

• Bajaj Allianz: Health Prime App with seamless claims, paperless maintenance, e-cards, and tracking.
• Cigna TTK: Proactive Care platform focusing on wellness and digital support.

Both offer:

• 24x7 call support
• WhatsApp and email support
• Multilingual interfaces
• Claims and policy renewal alerts

Case Example:
Ravi and Sunita, Mumbai, 2025: Compared online, chose Bajaj Allianz for maternity and network coverage though Cigna TTK offered better OPD.

TLDR Fast Summary

• Bajaj Allianz: Faster claim settlement, large hospital network, innovative wellness and digitalization.
• Cigna TTK: Better OPD, mental health, wellness, and international cover.
• Both are strong family insurance options in 2025.
• Use online portals to compare live premiums, coverage, and hospitals.

People Also Ask

Is Cigna TTK identical to ManipalCigna Health Insurance?
Yes, Cigna TTK has been rebranded as ManipalCigna Health Insurance.

Which is best for families with young children?
Bajaj Allianz (maternity & flexible floater plans). Cigna TTK (OPD & preventive care).

How long to settle claims?
2–3 days for most cashless claims once documentation is complete.

Do they provide plans to NRIs?
Yes, Cigna TTK offers worldwide hospitalization. Bajaj Allianz has limited international cover.

How to compare and purchase online?
Use trusted online marketplaces for live quotes, comparison, and instant purchase.

Sources:

• Official Webpage of Bajaj Allianz and Cigna TTK Health Insurance