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Last updated on: May 20, 2025
Cignattk Health Insurance and Oriental Health Insurance are prominent insurers in India, each offering a range of health plans. Cignattk is known for extensive global coverage, customizable policies, wellness benefits, and seamless digital services, making it ideal for urban customers seeking flexibility and premium features. Oriental Health Insurance, a government-owned insurer, is recognized for affordability, wide hospital networks, and reliable basic coverage, suiting individuals and families prioritizing cost-effective protection and strong claim support. While Cignattk appeals to those desiring advanced benefits and international healthcare access, Oriental stands out for budget-friendly plans and trust built over decades. Choosing between the two depends on priorities—premium services and innovation with Cignattk or value-driven, accessible plans with Oriental.
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Read BioChoosing the right health insurance cover to take in India is a critical choice, especially at a time when new covers and changing healthcare demands are coming up every year. Two of the most prominent providers in the country, Cignattk Health Insurance and Oriental Health Insurance, have comprehensive but different products in 2025. What are the comparisons between these offerings and which one should you choose? This is a comprehensive review of coverage, premiums, claims procedures, optional add-ons and actual user experiences that will help you make the right choice between Cignattk and Oriental.
Cignattk Health Insurance (formerly Cigna TTK) is a joint venture between the international health giant Cigna Corporation (since The Cigna Group) and the Indian organisation TTK Group. It was launched in 2014, and it is known to have international expertise, innovative health covers, and digital-first approach.
Oriental Health Insurance is an insurer owned by the Oriental Insurance Company, a state owned insurer that was founded in 1947. Oriental has decades of trust, a wide product portfolio and a countrywide presence, and its reliability has served millions of people.
| Feature | Cignattk Health Insurance | Oriental Health Insurance |
|---|---|---|
| Launch Year | 2014 | 1947 |
| Brand Type | Multinational (Private) | Government Owned (Public) |
| Hospital Network (India, 2025) | 7000+ | 8000+ |
| Claim Settlement Ratio (2024) | 99.17 percent | 97.85 percent |
| Digital Claim Process | Full online | Semi digital, agent support |
| Coverage Types | Individual, Family Floater, Critical | Individual, Family, Senior Citizens |
| International Coverage? | Yes (select plans) | No |
| Pre-Existing Disease Waiting Period | 2-4 years (varies by plan) | 4 years |
| Maternity & Newborn Cover | Add-ons available on select policies | Available |
| Health and Wellness Programmes | Comprehensive, with telemedicine option available? | Limited |
| Renewal Age Limit | Lifelong | Lifelong |
| Premium Flexibility | Multiple levels, higher customisation | Fixed slabs, less flexibility |
A case study: The digital claim settlement platform of Cignattk allowed more than 80 percent of its claims to be settled within 48 hours in 2024, versus the industry average of 70 percent.
The two insurers offer full hospitalisation services, but significant differences are present. Cignattk has customisable sum insured options of between 2lakh and 3crore in select plans, compared to the usual limit of 30lakh in Oriental retail products.
Cignattk includes more than 550 day-care procedures and provides up to 60 days of pre-hospitalisation and 180 days of post-hospitalisation benefits. Oriental includes more than 400 procedures; most plans include 30 and 60 days of standard pre- and post-hospitalisation respectively.
Oriental marginally has more empanelled hospitals in India, particularly in rural and semi-urban regions. Cignattk supports cashless claims in 7000 or more leading hospitals and is incorporating international partners to its international plans.
Ms. Kapoor of Pune was diagnosed with a rare condition that needed immediate surgery. She also used the global network and digital claim submission offered by Cignattk when travelling to foreign countries and received approval in less than 12 hours. By contrast, Oriental cleared 95 percent of cashless claims in two days, but only in India.
Cignattk Health Insurance add-ons (2025):
Oriental Health Insurance add-ons (2025):
Pros:
Cons:
Pros:
Cons:
A professional comment: 63 percent of urban Indian millennials in a 2025 survey favoured insurers that provide digital wellness platforms and telehealth, and currently, Cignattk over Oriental.
Sample premium rates for 2025 (Family Floater, Sum Insured ₹10 lakh, Non-Smoker, Age 30, 2 Adults plus 1 Child):
| Insurer | Base Premium (Yearly) | Maternity Add-ons (Extra) | Total Premium (Yearly) |
|---|---|---|---|
| Cignattk | 14,200 | 3,200 | 17,400 |
| Oriental | 12,800 | 2,900 | 15,700 |
Online markets enable easy comparison of these premiums with certain exclusions as well as roll-over benefits at a single location.
Note: Final premium varies with age, health status, location, selected add-ons, and underwriting decision.
Cignattk: Claims settlement ratio of approximately 99.2 percent, with effective AI-enhanced claim verification. The majority of cashless claims are completed in 24-48 hours.
Oriental: Robust at 97.85 percent. Non-cashless settlements need more documentation. The average cashless claim settlement is 2-3 working days.
Fact: Both of them have helplines and branch support, but Cignattk users claim that the work with apps and portals has always been much easier, especially in large cities.
Q: Is it possible to change Oriental to Cignattk and keep my no-claim bonus?
A: Yes. In India Portability regulations in India (IRDAI guidelines) allow policyholders to change health insurers without losing their accumulated noclaim bonus, subject to waiting-period requirements.
Mr. Singh is a Mumbai-based professional who had emergency hospitalisation due to appendicitis in 2024. Using Cignattk, the cashless pre-authorisation took less than six hours to be finalised through the mobile application. His father who also had to undergo a similar surgery but under the Oriental cover took two working days to have his claim processed but the payment was processed without any hitch.
Cignattk: 2 to 4 years (plans chosen can have two years of coverage on lifestyle conditions with an extra premium).
Oriental: 4 years standard, applicable to all retail policies.
Cignattk offers wellness and prevention programmes, offering policyholders yearly health examinations, fitness reward points, dietician assistance, and unlimited e-consultations. Oriental provides yearly cheque-ups with major plans but is not yet at the level of digital wellness penetration.
Expert opinion: A good number of Indians are choosing plans with these health and wellness benefits especially in urban locations that are looking to have lifestyle assistance.
The Health for Senior Citizens plan by Oriental is still among the cheapest plans that customers aged 60 and above can enjoy decent basic benefits with a slightly more waiting period and limited room rent. The older products offered by Cignattk are also costly and offer more extensive coverages and wellness features like chronic disease management plans.
Another point: Insurers owned by the government such as Oriental are more popular among older and rural populations, whereas global brands, including Cignattk, are used in metros when corporate or international families are required.
Cignattk focuses on consumers who are tech savvy, and prefer international cashless coverage, online services and fast settlement of claims.
Oriental is strong in traditional, trusted and budget-based health insurance, and has strong claim support in smaller and rural cities.
Compare both providers using online market places and customise plans and cheque network hospitals in your area.
| Parameter | Cignattk Health Insurance | Oriental Health Insurance |
|---|---|---|
| Claim Settlement Ratio | 99.17 percent | 97.85 percent |
| Hospital Network (India) | 7000+ | 8000+ |
| International Coverage | Yes (select plans) | No |
| Customisation Options | High | Low |
| Premium Starting (2025) | ₹4,000 – ₹22,000 per year | ₹2,800 – ₹18,000 per year |
| Digital Claim Process | 100% online | Supported by agent |
| Ideal For | Tech-savvy, global Indians | Budget-oriented, senior, trusted |
Q: Which health insurance covers more hospitals in India in 2025, Cignattk or Oriental?
A: Oriental has a little more hospitals all over the country, but Cignattk has the most leading urban and metro hospitals. Before buying, always cheque the list of hospitals in your city.
Q: Is it possible to carry my current Oriental policy to Cignattk in 2025?
A: Yes. The insurance regulations in India permit policyholders to transfer policies between insurers, with waiting-period benefits, so long as the process is done prior to expiry.
Q: Which is superior to family floater plans?
A: Cignattk will be more suitable due to its wider coverage, cashless global treatment, and digital support. Oriental is a good option when you want easy, low-cost urban-based family cover and a good track record of claims.
Q: Do the two insurers provide maternity and newborn baby cover?
A: Yes. Both provide these as add-ons, yet sub-limits and waiting periods must be scrutinised prior to choosing a plan.
Q: Where can I compare the two options?
A: Major online insurance marketplace offers side-by-side comparison of the products, which allows evaluation of the premiums, major inclusions, add-ons, and purchase safely.
The new health regulations by the IRDAI in 2025 will require product disclosures, transparency of premiums, and digital claims, which will benefit policyholders throughout India.
Cignattk is the right choice when you need all-around worldwide coverage, online ease, health benefits, and convenient claims. Oriental is more suitable to the people who value reliability, budget-sensitivity, and extensive traditional hospital network. Both of these insurers are outstanding but your age, health history, location, budget, and service preferences should be used to choose. Talk to a registered advisor or a well-known online source to find a plan that best fits your lifestyle and needs.
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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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