🚀 Fincover® App is Now Live!
Join 10 Million+ users on web – now available on mobile!
Last updated on: May 20, 2025
Cignattk Health Insurance and Niva Bupa Health Insurance are both well-known health insurance providers in India, offering a wide range of plans to suit individual and family needs. Cignattk is known for its affordable premiums, extensive network hospitals, and cashless claim facilities, while Niva Bupa stands out with higher claim settlement ratios, comprehensive coverage options—including critical illness and top-up plans—and superior customer support. Cignattk typically appeals to budget-conscious customers, whereas Niva Bupa is favored for its wide coverage and hassle-free claims process. Both insurers offer value-added services like health check-ups and wellness programs. The right choice depends on your priorities, such as premium cost, network reach, claim approval experience, and specific coverage features.
Author
Read Bio
Reviewed by
Read BioThe choice of the right health insurance plan is all the more essential in 2025. As medical costs increase and the healthcare environment continues to change and evolve fast, it can be quite overwhelming to Indian families and individuals to distinguish between top providers like Cignattk Health Insurance and Niva Bupa Health Insurance. In this article, the author gives a clear and objective comparison between the two insurers, their main characteristics, benefits, pricing, pros, cons, and customer experiences to help make an informed decision.
Cignattk Health Insurance (formerly Cigna TTK) and Niva Bupa Health Insurance (formerly Max Bupa) are both IRDAI approved insurers and have significant presence in India. Despite the complete coverage of the two companies, there exist differences in product design, claims processing, hospital networks, and overall customer satisfaction ratings.
The major differences are as follows:
The table below provides a summary of the key features of each of the insurers in 2025:
| Feature | Cignattk Health Insurance | Niva Bupa Health Insurance |
|---|---|---|
| Company Origin | Indian subsidiary of a global brand-Joint venture, leading Indian brand. | |
| Policy Types | Individual, family, top-up, global care | Individual, family floater, senior citizen, top-up |
| Sum Insured Range | 2lakh to 3crore -5crore -5crore -5crore -5crore -5crore -5crore -5crore-5crore-5crore-5crore-5crore-5crore-5crore-5crore-5crore-5crore-5crore-5crore-5crore-5crore-5crore-5crore-5crore-f5crore-f5crore-f5crore-f5crore-f5crore-f | |
| Network Hospitals | 7,500+ | 10,000+ |
| Claim Settlement Ratio | 95.1 % | 96.02 % |
| Pre-existing Waiting | 24 years | 24 years |
| Maternity Cover | (available under conditions) available (available on selected plans) available (available on selected plans) available (available on selected plans) available (available on selected plans) available (available on selected plans) available (available on selected plans) available (available on selected plans) available (available on selected plans) available (available on selected plans) available (available on selected plans) available (available on selected plans) available (available on selected plans) available (available on selected plans) available (available on selected plans) available (available on selected plans) available (available on selected plans) available (available on selected plans) | |
| OPD/Wellness | Yes (value-added services) | Yes (on select plans) |
| Online Customer Portal | Yes | Yes |
Did you know? By 2025, the two companies have perfected their digital claim procedures, and the average turnaround time to approve cashless claims is 20 hours.
Both insurers offer a full list of health insurance products that suit various needs:
Cignattk Health Insurance Plans
Niva Bupa Health Insurance Plans
Q. Is it possible to buy health insurance to my parents with Cignattk or Niva Bupa?
A. Both insurers, yes, have senior-specific plans with regular health cheque-ups, lower co-pay, and higher entry age allowances.
Efficiency of hospital network and settlement of claims is of utmost consideration. Niva Bupa is a leader in terms of its network of more than 10,000 hospitals in India, thus increasing the accessibility of cashless treatment, particularly in Tier 2 and Tier 3 cities. The 7,500 plus hospitals of Cignattk are focused on metropolitan and large urban areas, although the company has a few international collaborations to provide medical services worldwide.
The ratio of claim settlements is similar: 96.02 Niva Bupa (2023-24) and 95.1 Cignattk. Both insurers have a good reputation of fast claims processing.
| Insurer | Network Hospitals | Claim Settlement Ratio (2023-24) |
|---|---|---|
| Cignattk | 7,500+ | 95.1 % |
| Niva Bupa | 10,000+ | 96.02 % |
Experts insight: Most policyholders prefer insurers, in 2025, to have vast hospital networks to facilitate cashless treatments in case of emergencies. The vast tie-ups of Niva Bupa give it an apparent upper hand in this area.
Factors such as age, type of policy, sum insured, location, pre-existing conditions and optional coverages determine the premiums.
Typical Premium Illustration for a 35-year-old with ₹10 lakh coverage (2025):
| Company | Family Floater (2 Adults + 1 Child) | Individual Plan (Adult) |
|---|---|---|
| Cignattk | ₹16,800 – ₹24,500 | ₹7,500 – ₹12,800 |
| Niva Bupa | ₹17,500 – ₹26,200 | ₹7,900 – ₹13,200 |
Cignattk tends to charge a bit cheaper individual premiums. Niva Bupa presents competitive pricing for families and senior citizens, particularly with features such as unlimited reinstatement and absence of sub-limits.
Q. Am I able to compare prices of health insurance on the Internet and buy it?
A. Indeed, online markets make it possible to compare plans, features, and costs among insurers such as Cignattk and Niva Bupa.
Did you know? In 2025, new IRDAI requirements require insurers to show all-inclusive premiums before the start of the year and permit online purchases to be discounted.
Pros:
Cons:
Pros:
Cons:
Experts insight: In 2025, most advisors will highlight Niva Bupa ReAssure benefit that reimburse the amount insured an unlimited number of times within a policy year, which is a strong point of difference to those who are frequently hospitalised.
Case Study: Seema, a 45-year-old resident of Mumbai, bought a Cignattk ProHealth plan in early 2023 to cover her family. In 2024, when her husband needed knee surgery in Singapore, Cignattk global claims assistance was invaluable and expenses were covered in INR as part of the policy sub-limit.
In the meantime, a 55-year-old Lucknow teacher, Rajesh, chose Niva Bupa Health Companion. Both he and his wife were separately hospitalised in 2024, but the plan reloaded the cover each time, so no out-of-pocket costs were incurred.
Q. Does Cignattk and Niva Bupa have cashless treatment in all Indian cities?
A. Both insurance companies aim at pan-India cashless facilities but Niva Bupa has more coverage in smaller cities because of its bigger network.
Both insurers offer 24 x 7 claims support, mobile apps to make claims and renewals, and online support. Nevertheless, customer feedback from 2025 indicates:
Policy status, claims progress, and renewal reminders on both insurers can be monitored with online marketplaces.
Did you know? WhatsApp-based claim intimation and status updates are now available in both companies, thus minimising paperwork and human errors in 2025.
| Feature | Cignattk Health Insurance | Niva Bupa Health Insurance |
|---|---|---|
| Global coverage | Available, certain plans, limited, generally as rider. | |
| Settlements (Direct/TPA) | Mix (some plans via TPA) | Direct (except group plans) |
| Policy Issuance Time | Avg. 48 hours | Less than 24 hours (digital KYC) |
| Wellness Rewards | Yes, fitness points, cheque-ups | Some plans |
| Senior Citizen Options | Limited begins at the age of 60 years | Yes, higher age entry |
| Recharge/Reinstatement | One per year (selected plans) | Unlimited (ReAssure 2.0) |
| PED Waiting Period | 24 years | 24 years |
| Daycare Procedures | 500+ | Over 540 |
| OPD Benefits | Value-added plans | Elite plans only |
Both insurers are in favour of portability, as required by the IRDAI, which allows policyholders to move to a different provider during renewal and keep accrued benefits.
There are add-ons like critical illness cover, hospital daily cash, maternity boosters, and enhanced global care. Cignattk has additional global add-ons, but Niva Bupa has family floater add-ons and guaranteed reinstatement.
Q. Is it possible to include my newborn or parents in my policy in the middle of the year?
A. This is permitted in most plans, but under conditions. Inform your insurer or access your online portal to endorse quickly.
Both insurance providers do not cover certain treatment, which includes:
Limit and condition: Read policy documents.
Comparing Cignattk and Niva Bupa in India in the year 2025, the following are the points of decision:
When you require healthcare accessibility across the globe and value global partnerships:
When you want an India-oriented hassle-free plan with wide hospital coverage and up-to-date features:
To get the best offer to your health needs in 2025, always compare policy details and premiums online before buying.
Q1. Does Niva Bupa perform better than Cignattk with senior citizens in 2025?
A. NivaBUpa has senior-specific plans that have a high entry age, and therefore this is a better option among the elderly.
Q2. Does Cignattk include international treatments by default?
A. This feature is only available in selected plans, including ProHealth Global, with conditions.
Q3. Are preventive check-ups free in both insurers?
A. Both offer free annual health cheque-ups, but plan-dependent.
Q4. Is it possible to transfer my current health policy with another insurance company to Cignattk or NivaBupa?
A. Both insurers do permit portability under the IRDAI regulations in renewing a policy, yes.
Q5. What do you do to claim cashlessly with these insurers?
A. Inform the insurer/hospital, give policy information, complete claim forms and leave the settlement to the insurer and the hospital.
Q6. What is the most suitable plan when it comes to a family with young children?
A. Niva Bupa Health Companion or ReAssure 2.0, and Cignattk ProHealth Protect are applicable, depending on hospital reach preference and coverage requirements.
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).
Loved by 1M+ users. Start your financial journey today!
