Cignattk Health Insurance vs Go Digit Health Insurance: Comparison Overview 2025

The right health insurance plan is a critical decision, particularly in the face of the increasing healthcare expenses every year. Cignattk Health Insurance (since 2025 Cigna Healthcare in India) and Go Digest Health Insurance are two names that many Indian families are familiar with in 2025. Both are well-known privately funded insurers providing a broad spectrum of health covers.

Comparing Cignattk Health Insurance and Go Digit Health Insurance, pay attention to the main aspects: features, benefits, claim settlement performance, add-ons, and customer convenience. This guide tells you all you need to know, providing you with clear, real-world insights to make a wise choice.

What Makes Cignattk Health Insurance and Go Digit Health Insurance Popular in India?

Cignattk health insurance is a partnership between Cigna and TTK Group. Its plans include a wide range of services and provide customized solutions to families, individuals and seniors.
Go Digit General Insurance Limited operates Go Digit Health Insurance, which is differentiated by a digital-first strategy and transparent products. Health insurance is made more understandable, easy to purchase and manage as most of its claims, policy issuance and service processes are online.

Did you know?

As of 2024, Go Digit clears over 96 percent of its cashless claims within 24 hours. Cignattk said it had a claim approval rate of more than 94 percent in IRDAI filings.

How Do the Cignattk and Go Digit Health Insurance Plans, the most popular, compare?

The two companies have various plans targeting individuals, families, and seniors. Their flagship plans in 2025 are compared here:

• Cignattk ProHealth Protect – Full hospitalization coverage with sum insured options.
• Go Digit Health Insurance Plus – A plan with high room-rents limits, wellness incentives and extensive hospital network.

Comparison Table: Cignattk ProHealth Protect vs Go Digit Health Plus (2025)

What Are the Major Highlights of Cignattk Health Insurance in 2025?

Highlights

• Numerous health plans of all ages, such as ProHealth Premier, ProHealth Accumulate, and Cigna Lifetime.
• Robust preventive check-up programs and wellness rewards.
• Huge sum options up to 1 crore rupees on higher end plans.
• Wide coverage for daycare, domiciliary treatments, organ transplants, and AYUSH therapies.
• No-claim bonus adds to the amount insured each claim-free year.

Pros

• Provides sum insured restoration, even on unrelated illnesses during a policy year.
• Treat mental illnesses and advanced day-care practices.
• OPD, maternity and newborn covers can be included as add-ons.
• International emergency cover on select plans.
• Policy may be bought online and issued instantly.

Cons

• Disease-wise capping or sub-limits are found in some basic plans.
• Waiting period- up to 4 years on pre-existing diseases on some options.
• Higher premium on plans with unlimited reloads or global covers.

People also ask

Is Cignattk Health Insurance beneficial to the senior citizen in 2025?
Yes. It has senior citizen plans with higher sum insured, low co-payments and disease-management programmes which is appropriate among the elderly.

What Is the Highlight of Go Digit Health Insurance in 2025?

Highlights

• No room rent limit, even on entry level plans, permitting care in any hospital wing.
• A cashless network of over 7,000 hospitals.
• Optional covers such as critical illness, maternity, and worldwide treatment.
• Purchase, claim intimation and policy servicing, paperless, through Go Digit mobile application and web site.
• Broad selection of deductibles and voluntary co-pay to tailor premium levels.

Pros

• Simplified claims settlement: 96 percent of claims settled within 24 hours in FY 2024-25.
• No claim bonus to 50 per cent per claim free year, limited to 100 per cent of the amount insured.
• Free annual health check-up for every member, regardless of claim history.
• Select plans have unlimited restoration benefit.
• Family flooring policies include a maximum of seven members.

Cons

• OPD cover is not included in base plan (has to be added).
• Riders with maternity and newborns are subject to a 2-year waiting period.
• Fewer wellness partnership options than Cignattk.

Experts insight

Health insurance aggregators have now simplified the process of comparing the best plans side by side. Online marketplaces prioritize coverage, settlement of claims, and user reviews, assisting buyers to identify actual disparities among insurers.

What Is the Cignattk vs. Go Digit Health Insurance Claims and Customer Experience?

Claim Process Comparison

Case Study Example

Rohit, a 38-year-old Pune-based IT professional, underwent kidney-stone surgery in early 2025. He used Cignattk to submit claim documents through the online portal; the claim was settled directly with the hospital in four days. His friend Megha is covered by insurance with Go Digit and has made a maternity claim that was cleared and disbursed in less than 36 hours because Go Digit has a fast-track option.

People also ask

Is it possible to change Cignattk to Go Digit or the other way around?
Yes. The health-insurance portability of IRDAI allows you to change insurers during renewal and keep accumulated benefits, with underwriting.

What is the comparison of the Cignattk and Go Digit Health Insurance premiums?
In 2025, premium inflation is anticipated, and thus compare the annual premiums of similar coverage.

Sample Premium Table: 5 lakh Sum Insured, 2 Adults + 1 Child, Tier-city (FY 2025)

Premiums are based on age, sum insured, policy tenure, location and add-ons. The sooner you buy it, the cheaper the premiums and the greater the continuity of cover.

Experts insight

Although Cignattk and Go Digit premiums compete on a level, online comparison marketplaces can show seasonal discounts, loyalty bonuses, or wellness-related premium reductions that are not reflected on insurance company websites.

What Is the Best Insurance to take with Maternity and Wellness?

Both insurance companies allow you to purchase maternity cover, though the conditions are not the same.

Cignattk Advantage

• Greater maternity event sum insured.
• Full maternity and newborn rider, usually with a 2-4 year waiting period.
• Coverage for vaccinations, newborn care, and some infertility treatments.

Go Digit Advantage

• Easier claim process for maternity.
• Reduced extra expense to include maternity cover.
• Maternity rider may be included in family floater plans with standard two year wait.

Did you know?

In 2024-25, more than 35 percent of new family-floater health-insurance consumers purchased maternity cover, indicating an increasing interest in full family coverage.

How Do Wellness and Preventive Benefits Rank Between the Two?

Cignattk has a strong ProHealth Rewards system. Healthy habits and frequent screenings earn members wellness points that can be redeemed to get premium discounts or medical costs.

Go Digit Wellness Credits are a reward program that reimburses yearly health checks, vaccinations, and exercise sessions and can be claimed at up to 10 percent of the renewal premium.

People also ask

Are either insurers offering mental health in 2025?
Yes—both cover mental health illnesses, with psychotherapy and counseling expenses up to policy limits, per IRDAI guidelines.

How to Compare and Buy the Right Health Insurance Online?

Online marketplaces let you:

• Review policy clauses and exclusion lists easily.
• Check claim settlement ratios, user ratings, and hospital networks.
• Determine individualised premiums depending on the composition of your family.
• Request several quotes and purchase the policy 100 percent online.

Did you know?

In 2024, over 70 percent of urban Indian households purchased health insurance digitally via online intermediaries, a trend that will further increase in 2025, increasing transparency and consumer protection.

Cignattk Health Insurance vs Go Digit Health Insurance: Which Should You Choose?

Select Cignattk Health Insurance when you:

• Find internationally accepted coverage with customisable add-ons.
• Value wellness, preventive care, and restoration benefits.
• Want maternity benefits or want to buy seniors.

Select Go Digit Health Insurance when you:

• Desire a complete digital experience and quick claim processing.
• Like no room-rent capping and customisable premiums.
• Need easy-to-manage family plans and transparent journeys.

Quick Recap (TL;DR)

• Cignattk: Wellness-based, international, high senior-benefits, additional add-ons.
• Go Digit: Quickest claims, smooth digital experience, easy customisation, additional-large network.

To be most effective, shortlist 2-3 plans on an online comparison marketplace, align the health needs and budget of your family, and read policy wordings attentively.

People Also Ask (FAQ)

Q: What company has higher claim settlement ratio in 2025?
A: Go Digit leads a bit with projected ratio of about 96 vs. 94 of Cignattk, according to projected FY 2024-25 data.

Q: What is the number of cashless hospitals per insurer?
A: Go Digit has approximately 7,000 or more hospitals; Cignattk has 6,500 or more.

Q: Which is a better policy on pre-existing disease coverage?
A: The two have a waiting period, though Go Digit has a very short window on some of the plans. Always verify personal conditions.

Q: Is there offline purchase and support?
A: Yes. Both insurance companies provide offline agent services. Go Digit favors the use of app-based service; Cignattk offers a hybrid approach.

Q: Is it possible to add parents to my plan?
A: Yes. Both insurers have the option of adding dependent parents, but premiums and features can be different. Senior-specific and family flooper plans are suggested.

Sources:

• Go Digit General Insurance FY 2024-25 performance update.
• Cigna Healthcare India product brochures and claims statistics 2024-25.