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Last updated on: May 20, 2025
Care Health Insurance and Cignattk Health Insurance are prominent players in the Indian health insurance sector, each offering a diverse range of plans catering to individuals, families, and senior citizens. Care Health Insurance is known for its extensive hospital network, comprehensive plans with high sum insured, quick claim settlement, and wellness benefits. Cignattk Health Insurance emphasizes global coverage, unique features like critical illness covers, and wellness programs tailored to lifestyle needs. While Care stands out for its affordability and pan-India presence, Cignattk appeals to those seeking value-added benefits and global support. The choice between them depends on personal needs—Care for reliable, large-network coverage at competitive premiums, and Cignattk for specialized coverage and innovative add-ons. Comparing plan details, network hospitals, claim processes, and premium rates can help buyers select the best fit for their health and budget.
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Read BioCare Health Insurance and Cignattk Health Insurance are two of the most popular names that people compare when it comes to choosing health insurance in India in 2025. The two insurance providers have a variety of products to individuals, families, senior citizens, and corporate groups. It is important to know what they offer, their main characteristics, advantages and disadvantages and their special features in order to make a well-informed choice.
This in-depth comparison will help you understand the differences easily. We provide information backed by the latest news, factual comparisons, and examples, so you have clarity before deciding on your health insurance plan in 2025.
Care Health Insurance (previously called Religare Health Insurance) is a dedicated health insurer in India. Care Health is a well-known provider of customer-friendly and innovative health insurance products, with a broad distribution and digital-first operations.
Cignattk Health Insurance (earlier Cigna TTK or Cigna TTK Health Insurance) is a collaboration between Cigna Corporation and Indian partners. Cignattk is specialized in plans tailored to Indian requirements, with an emphasis on global health trends, wellness and preventive care.
Q. Why are Care Health Insurance and Cignattk Health Insurance popular in 2025?
The two companies provide extensive hospital networks, sophisticated claim settlement opportunities, affordable premiums, and online convenience, which makes them attractive to Indian customers.
Care Health Insurance is to be approachable and flexible. Here are its 2025 highlights:
A 2025 report shows that Care Health Insurance settles most of its cashless claims in less than 2 hours, owing to the enhanced AI-based claim settlement.
Cignattk Health Insurance is targeted at consumers who are seeking consumer-friendly solutions, innovative supplements, and international health coverages.
Q. Is Cignattk Health Insurance good to NRI or international travelers in 2025?
Some of them cover critical illnesses treated outside India, which is appealing to global travelers and NRIs.
A recent survey showed that customers buying Cignattk’s ProHealth Protect plan in 2025 gave high ratings for wellness rewards and free teleconsultations.
| Care Health Insurance | Cignattk Health Insurance |
|---|---|
| Network hospitals | 22,000+ |
| Claim settlement ratio (FY 2024) | 95.22 percent |
| Waiting period | 48-60 months |
| No-Claim Bonus improvement | Up to 150 percent |
| Claim turnaround (cashless) | 2 hours avg. |
| Annual health checkup | Yes, all plans |
| In select plans | Enhanced emphasis, combined |
| Maternity/newborn cover | Add-on (top family plans) |
| Room rent capping | No capping (higher plans) |
| Restore benefit | 1X restore |
| Global treatment coverage | Limited (very select plans) |
| Digital processes | Advanced, app-based, WhatsApp |
(Data compiled from IRDAI annual reports and insurers’ public disclosures for 2025)
Both insurers price premiums based on member’s age, city location, sum insured, add-ons, previous claims, and plan variant. Here’s an example for a family floater of 2 adults and 1 child, covering ₹10 lakh sum insured in a metro city:
| Company | Plan Name | Annual Premium (₹) | Key Inclusions |
|---|---|---|---|
| Care Health Insurance | Care Supreme | 21,500 - 26,500 | OPD, NCB, restoration, health check |
| Cignattston Health Insurance | ProHealth Plus | 23,000 - 28,000 | Unlimited restore, wellness, global cover |
These are representative of healthy non-smokers aged 30-35 with 1 child under 10. Premiums increase with age, add-ons, and upgraded coverage.
The shortlisting policies on trusted online insurance marketplaces enable a fast comparison of sum insured, premium, waiting periods, and features of Care, Cignattk, and many other popular brands in one place.
Care Health Insurance
Cignattk Health Insurance
Q. Which insurer has a better claim settlement ratio in 2025?
Care Health Insurance had a slightly higher claim settlement ratio (95.22 percent) than Cignattk Health Insurance (94.11 percent) in the latest published data.
Both insurers have tailor-made family floater plans with add-ons of maternity, new born, and OPD cover.
Waiting period for pre-existing diseases is generally lower with Cignattk (from 24 months), while Care Health offers attractive no-claim bonuses year after year for claim-free periods.
Families with young children may benefit from Cignattk’s wellness and OPD options, while larger sums insured and hospital reach of Care Health offer peace of mind for critical treatments.
You are over 60 years or have health complications:
Example:
Mrs. Sharma, 62, has diabetes, and she compared the two providers. She selected Cignattk since the waiting period to get diabetes complications was 2 years against 4 years in the similar Care Health plan.
Care Health and Cignattk both offer a list of extras:
Cignattk shines for chronic disease management (e.g., diabetes management programs). Care Health ranks higher in terms of variety of health checks and the number of cities that they have in their network hub.
Q. Can I switch from Care Health to Cignattk (or vice-versa) in 2025?
Yes, you can port your plan with cumulative benefits under the portability rules of IRDAI provided that your renewal is due and the paperwork is clear.
Absolutely. Licensed insurance aggregator websites will be able to present you with both Care Health and Cignattk plans, and display them alongside each other, with clear premium calculators, inclusions, and exclusions. You can shortlist on features like:
This simplifies buying and eliminates confusion. Moreover, you can get expert chat support to clear your doubts before buying.
A recent study indicates more than 65 percent of Indian health insurance purchasers in 2025 will use online aggregators to compare and purchase policies within 30 minutes.
The choice between Care Health Insurance and Cignattk Health Insurance will depend on:
Both brands are well-known, having no claims history and having positive consumer ratings. Care is good when you want the most extensive possible hospital network and larger no-claim bonuses. Cignattk tends to be better at advanced OPD, wellness, and in cases where you have chronic/pre-existing conditions.
It is always advisable to compare online plans to see which one best fits your health, age, and city.
Q. Can I renew Care or Cignattk health plans online in 2025?
Yes, both provide fast renewal via web or apps; only premium payment and medical disclosure (if needed) are required.
Q. Do the two insurers cover Covid19 and new viral diseases in 2025?
Both of them revise their plans to include government-notified new diseases as per the IRDAI guidelines.
Q. Which firm has better wellness and reward benefits?
Cignattk has a slight advantage as it has more wellness points, telemedicine, annual health check, and OPD rewards.
Q. Is it possible to transfer my policy to another insurer?
Yes, according to the IRDAI regulations, by full benefit carryover, in case you notify prior to the expiry date.
Q. How much is the claim settlement experience of each company in 2025?
Care Health Insurance pays claims a little quicker, but both have more than 94 percent claim ratios.
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).
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