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Last updated on: May 20, 2025
Chola MS Health Insurance and Cignattk Health Insurance are both prominent players in India’s health insurance sector, each offering a diverse range of plans tailored to various needs. Chola MS is known for its comprehensive coverage, extensive hospital network, and seamless claims process, making it suitable for individuals and families seeking reliability and wide benefits, including pre- and post-hospitalization, day care, and wellness services. Cignattk (Cigna TTK), on the other hand, stands out for its innovative wellness features, global coverage options, and specialized plans with high sum-insured limits, ideal for those seeking comprehensive protection and preventive healthcare benefits. While Chola MS provides strong basics with ease of access, Cignattk is favorable for customers prioritizing global treatment, wellness, and flexible add-ons. Choosing between them depends on your specific needs—those wanting robust local support may prefer Chola MS, while those emphasizing wellness and global reach may opt for Cignattk.
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Read BioChoosing the ideal health insurance in India in 2025 can be a labyrinth, with an overabundance of options available. Two large brands that continue to emerge are Chola MS Health Insurance and Cignattk Health Insurance- both offer good benefits, they have varieties of plans and offer low cost. When you are a family seeking low-cost coverage options, a health-conscious person, or an older adult simply seeking peace of mind, understanding how they compare to each other is the key to making the right selection.
We will explore all that there is to be in this all-in-once comparison: what is covered, what is not, how claims do, real-life stories, customer support, and prices, etc. We will explore the positive and negative aspects of each company to ensure that you secure a plan that leaves you secure and your purse full.
The most recent IRDAI Annual Report 2024 notes that more than 65 percent of newly insured individuals in India are drifting toward middle-range or elite brands, and an increasing emphasis on wellness and preventive services.
The Chola MS Health has earned admirations in terms of being an in your face, customer-friendly entity. Their exemplary functions by 2025 are:
| Feature | Detail |
|---|---|
| Entry Age | 18-65 (proposer) |
| Sum Insured | ₹2L to ₹1 Cr |
| Room Rent Capping | No limit in Platinum and Diamond plan |
| Pre- Existing Disease Waiting | 36 months |
| AYUSH Treatment | Up to sum insured |
| No Claim Bonus | 10-50% per year |
Pros
Cons
Cignattk is a joint venture between Cigna Holdings and TTK Group, therefore you have international expertise and personalised solutions. The 2025 Cignattk Health Pro Plan highlights:
| Feature | Detail |
|---|---|
| Entry Age | 18-65 (Adult), 91 days (Child) |
| Sum Insured | ₹2.5L to ₹2 Cr |
| Room Rent | No limit on high plans |
| Pre-Existing Disease Waiting | 24–48 months |
| Health Checkups | Once a year at most |
| Cashless Network | 10,700 or more hospitals (by Jan 2025) |
Pros
Cons
Both brands offer very good pre- and post-hospitalised cover, generally 30 days prior to 60-180 days following treatment, depending on the policy.
| Provider | Pre-Hospitalisation | Post-Hospitalisation |
|---|---|---|
| Chola MS | 60 days | 90-180 days |
| Cignattk | 60 days | 90 days (extendable) |
Chola MS is slightly more likely to provide an additional post hospitalisation period on the top-tier plans and so could assist families with long-term illnesses.
Expert Insight
“Check for sub-limits and exclusions, not just the days. Such boundaries can actually transform the scenario,” – Anuradha Jain, Insurance Consultant, Mumbai.
The claims settlement ratios as used by IRAIDA to measure the reliability of an insurer.
| Insurer | 2024-2025 Settlement Ratio |
|---|---|
| Chola MS | 97.3% |
| Cignattk | 98% |
Cignattk is slightly more automated, yet both are the best of the best.
People Also Ask
Q: What is an acceptable settlement ratio of health insurance in India?
A: Over 95 percent would imply the insurer is reliable and transparent with claims.
A bigger network = easier access, no upfront costs.
| Insurer | Cashless Network (2025) |
|---|---|
| Chola MS | 12,000+ hospitals |
| Cignattk | 10,700+ hospitals |
Chola MS is favored, particularly in Tier 2 and Tier 3 cities, thus it is best suited to folks outside the metro.
Did you know?
In 2025, online claim intimation implies that more than 80 percent of health claims are cashless and paperless, according to the General Insurance Council.
Both are game-changing their wellness in 2025 to satisfy customer needs of extra value.
Real-World Illustration
In Hyderabad, Ms. Malathi, 35, spent three months using the Cignattk wellness app to take 10,000 steps daily and snagged reward points she used to get a free check-up and an early vitamin fix. Her friend in Chola MS plan consumed her wellness credit to obtain a yearly medical check-up at no expense in a network hospital.
This is of great importance to young couples in 2025.
People Also Ask
Q: Does India have a waiting period in maternity?
A: Yes, a majority of insurers establish a 9-month to 4-year waiting period, except where otherwise indicated in the plan.
| Feature | Chola MS | Cignattk |
|---|---|---|
| Cashless Hospital Network | 12,000+ | 10,700+ |
| Sum Insured (INR) | ₹2L–₹1Cr | ₹2.5L–₹2Cr |
| Settlement Ratio | 97.3% | 98% |
| Maternity Cover | Optional, 2–4 yr wait | From Day 1 (select) |
| Pre/Post Hospitalisation | 60D/90-180D | 60D/90D |
| Wellness Programs | Included | Comprehensive |
| International Coverage | Limited | Available (high-tier) |
| Room Rent Capping | None (high plans) | None (premium) |
| Mental Health | Optimal -Available | Yes |
| Avg Premium (30 yr, 5L) | ₹7,800 | ₹8,200 |
Chola MS
Pros
Cons
Cignattk
Pros
Cons
Individuals are concerned with the benefits that suit their life.
Case 1: Mr. Sawant is a 45 year old businessman who lived in a small town and he required cardiac surgery. Because of the extensive network of Chola MS, he received treatment in the community without having to spend time traveling to the city.
Case 2: Global emergency cover Meenal used it to travel around Bengaluru, and when she traveled to a foreign country (Singapore) to work, she received a prompt response to appendicitis.
View sum insured, network hospitals, add-ons and premiums with a single look at reputable comparison sites.
Expert Insight
Select 2-3 policies that have a close premium, and ask specific questions to the helplines. The level of their after sales support can be known through the clarity with which they respond.
Both brands strike the bells on claims ratios as well as service.
Choose what is important to your family (and their lifestyle). Use top online marketplaces for free quotes and quick comparisons.
Q: Is Chola MS family friendly?
A: Yes -. The network and claim process is family-friendly.
Q: Will Cignattk include telemedicine in 2025?
A: Yes, free telemedicine is incorporated in the majority of the plans.
Q: Which is preferable to cover internationally?
A: Cignattk has greater global coverage on high tier plans.
Q: I want to purchase Chola MS and Cignattk?
A: You are allowed to take more than one policy but you will claim only once according to the rules of the IRDAI.
Q: Where to compare both plans?
A: Use comparison portals that have updated information and reviews and are approved.
Q: What is required to make cashless claim?
A: Required documents: A good health card, KYC, and prescription/Admission evidence issued by a doctor.
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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