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Last updated on: May 20, 2025
Cignattk Health Insurance and Liberty General Health Insurance are both prominent providers in India, offering a range of health insurance plans. Cignattk Health stands out for its comprehensive plans, higher sum insured options (up to ₹1 crore), wellness rewards, robust claim settlement ratio, and personalized health management programs. Liberty General, meanwhile, is known for affordable premiums, quick policy issuance, and a wide hospital network, catering well to first-time buyers and budget-conscious families. Both providers offer cashless hospitalization and critical illness cover, but Cignattk has a slight edge in value-added services and digital claim processes. Choosing between them depends on your priorities—go with Cignattk for extensive coverage and health benefits, or opt for Liberty General for basic coverage at competitive rates.
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Read BioIt is necessary to select the finest health insurance in India to be financially secure and relaxed. Such policies like Cignattk Health Insurance and Liberty General Health Insurance are more and more compared by consumers in 2025 due to the uniqueness of services and high credibility. This guide will discuss both providers so that you can make an informed decision that meets your healthcare requirements and financial means.
Cignattk and Liberty General are well-known health insurance stakeholders. They vary in premiums, coverage, settlement of claims, hospital networks, and additional benefits. Comparison of the two will make sure that you get an insurer that fits your health needs, lifestyle, and future.
Cignattk Health Insurance is a joint venture of Cigna (international) and TTK Group (India) that prides itself on a customer-centric philosophy and innovative products.
Fun fact: In late 2024, major wellness portals named Cignattk its Health and Wellness Integration program, which provided policyholders with free telemedicine and health-coaching benefits.
Liberty General Health Insurance, which is a branch of Liberty Mutual, is characterized by simple policy, low cost, and wide coverage.
Expert opinion: Liberty General was among the five leading in terms of quick claim settlement according to the IRDAIs 2024 consumer survey, enhancing customer satisfaction.
| Feature/Aspect | Cignattk Health Insurance | Liberty General Health Insurance |
|---|---|---|
| Inception Year | 2014 | 2013 |
| Network Hospitals | 7,500+ | 6,100+ |
| Claim Settlement Ratio | 98.7 % (2024) | 96.8 % (2024) |
| Basic Plan Sum Insured | 3 lakh -1 crore | 2 lakh -1 crore |
| Global Coverage | Yes (select plans) | No |
| Wellness Programs | Yes (integrated digital tools) | Yes (wellness and check-ups) |
| OPD Cover | Premium plans only | Select plans only |
| Pre-Existing Disease Wait | 2–4 years | 3–4 years |
| Maternity Benefits | optional/ select plans | optional rider/add-ons |
| Premium (Family Floater 5L) | ₹ 9,800 per annum | ₹ 8,650 per annum |
| Cashless Facility | 7,500 or more hospitals | 6,100 or more hospitals |
| Digital Claim Intimation | Yes | Yes |
| No Claim Bonus | Up to 200 % | Up to 150 % |
Average premium for a 30-year-old couple with one child, no critical-illness rider.
Q: Is it possible to purchase Cignattk or Liberty General in 2025 online?
A: Yes. Both insurance companies have online portals to purchase directly. You can also compare policies side-by-side online.
What Are the Principal Divergences Between Cignattk and Liberty General Health Insurance?
Mrs Nidhi Sharma of Mumbai contrasted Cignattk ProHealth Prime (c. ₹ 14,000 per annum with 7 lakh sum insured) and Liberty Health Connect (c. ₹ 12,700 per annum with 7 lakh sum insured). She selected Cignattk due to its broader network and active wellness follow-ups, which was appropriate to her diabetic mother. Her co-worker had no significant health risks, but chose Liberty to save on base premiums.
Cignattk Specialties:
Liberty General Unique Points:
Did you know? By 2025, nearly 30 percent of young Indian couples are choosing family plans with maternity and child wellness riders, which is reflected in the recent sales statistics of both insurers.
Common exclusions:
The two insurers have waiting periods on pre-existing diabetes, hypertension and maternity unless you take enhanced covers.
Q: What is the average pre-existing disease coverage waiting period?
A: 2 to 4 years as a rule, with the plan and disclosures.
In 2024 online reviews have noted fast claim settlement, friendly customer service, and openness in Cignattk regular plans. Liberty General was applauded as being cost effective, particularly to families. Other customers wanted more clarity in exclusions and add-ons.
How Simple Is It to File Claims with Cignattk or Liberty General?
Both employ a digital first claim solution. Policyholders are able to upload documents through mobile app or web site, monitor claim status in real time, and get cashless approvals within hours (in most metro cities).
Expert Tip: For major planned surgeries, pre-authorise through the insurer’s app at least 72 hours in advance for smooth cashless processing.
| Benefit Category | Cignattk | Liberty General |
|---|---|---|
| Wellness Support | Digital health rewards | Annual health checks |
| Maternity Cover | Yes (select plans) | optional rider |
| Critical Illness | In-built in certain plans | Optional plan/rider |
| International Travel | Yes (premium plans) | Not available |
| No Claim Bonus | Up to 200 % | Up to 150 % |
For large families, Liberty General’s range of riders allows affordable base cover and optional enhancements. The GlobalCare provided by Cignattk is more suitable to seniors or people who travel abroad.
Did you know? IRDAI requires portability, which means that you can change insurers without forfeiting accrued no-claim bonus, subject to the rules.
A large number of buyers compare health insurance features, premiums, and customer feedback through aggregator websites. Such marketplaces visualise the difference between Cignattk and Liberty General and other leading insurers side-by-side, making the selection process transparent and easy with exclusive online discounts.
Cignattk offers international coverage, strong digital wellness and an extensive network at a slightly higher price. Liberty General is good at affordability, flexible add-ons, and quick claims, which makes it appropriate to value-oriented families. They are both reputable, IRDAI-regulated products in 2025 and which one is the right choice depends on your risk profile, the benefits you want and your budget.
Q: Which is the highest claim settlement ratio in India in 2025 by any health insurance company?
A: Cignattk has one of the highest settlement ratios of 98.7 percent in 2024 among the private insurers.
Q: Can I transfer my current health insurance to Cignattk or Liberty General?
A: Yes. Porting between insurers is possible during the renewal period with the same benefits, according to the IRDAI rules.
Q: What is the most suitable plan to have frequent international travellers?
A: The GlobalCare plan by Cignattk is the only one with global hospitalization cover, which is an advantage to the travellers.
Q: Do the two insurers provide cashless hospitalization across India?
A: They both have extensive network hospitals; Cignattk is a bit ahead of the other in empanelled hospitals.
Q: How to compare family floater plans of Cignattk and Liberty General online?
A: Compare premiums, inclusions, and add-ons benefits side-by-side in a single location with the help of the recognised online marketplaces to be clear before buying.
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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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