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Last updated on: May 20, 2025
Cignattk Health Insurance and SBI General Health Insurance are leading providers in India, each offering a diverse range of health insurance plans tailored to various needs. Cignattk is well-known for its comprehensive policies with global coverage, faster claim settlement, and value-added wellness services, making it ideal for those seeking extensive features and international benefits. In contrast, SBI General focuses on affordability, a widespread network of hospitals, and straightforward policies, making it suitable for budget-conscious individuals and families. Both insurers provide cashless facilities and comprehensive coverage, but the choice depends on whether you prioritize advanced features and global coverage (Cignattk) or cost-effectiveness and nationwide hospital access (SBI General). Always compare policy inclusions, exclusions, premiums, and claim ratios to select the best fit for your requirements.
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Read BioThe need to select an appropriate health insurance policy in India is as critical as ever. Increased medical expenses and the increased chances of falling ill unexpectedly require a plan that is well covered, claims settled quickly, flexible, and has customer support.
This paper provides a comparison between Cignattk Health Insurance and SBI General Health Insurance. We look at features, advantages, disadvantages, cost, coverage, add-ons, customer experience, and 2025 preparedness.
Health insurance is the payment of medical bills due to illness, surgery, hospitalisation or accident. It is crucial to compare such providers as Cignattk and SBI General since they vary on the coverage limit, premiums, and inclusion, exclusion, network hospitals, and after-sales services. In 2025, consumers expect:
Both are joint ventures: Cignattk (Cigna + Indian partners) and SBI General (State Bank of India). Their plans target families, individuals, corporate employees, and senior citizens.
Cignattk Health Insurance
SBI General Health Insurance
Did You Know?
In 2024, the claim rejection rate of SBI General was one of the lowest with its Arogya Supreme. Cignattk was also recognized in the industry with wellness-oriented features.
| Feature | Cignattk (Top Plan) | SBI General (Top Plan) |
|---|---|---|
| Max sum insured | ₹3 crore | ₹5 crore |
| Network hospitals | 8,500+ | 20,000+ |
| Global coverage? | Yes (select) | No |
| Preventive health check-up | Yes (year 1) | Yes (year 1) |
| Domiciliary care | Yes | Yes |
| Daily hospital cash | Optional add-on | Optional add-on |
| OPD cover | Yes (add-on/plan) | No (in most plans) |
| Maternity cover | Yes (waiting) | Yes (waiting) |
| Wellness programs | Digital, active | Limited |
Expert Insight – Dr. Pranay K. (Insurance Analyst, 2025)
Cignattk has the best mix of higher amounts insured, digital and wellness-oriented benefits to global travellers. SBI General is appealing to families because of its extensive network of hospitals and low entry premiums.
Advantages
Drawbacks
Advantages
Drawbacks
Q: What is the fastest claims process of an insurer in 2025?
A: Both insurance companies operate online portals. SBI is national, allowing cashless authorisations to be processed faster; Cignattk uses AI to track queries faster to urban policyholders.
The premiums depend on age, city, sum insured, coverage options, add-ons, and medical history.
The average annual premium of a 30-year-old (with a 5 lakh cover) is between 7,000 and 18,000 (2025).
Cignattk Premiums
SBI General Premiums
Expert Insight – Bangalore resident
The plan by Cignattk fit my international travel, but SBI General had a convenient price and access to local hospitals.
| Insurer | 2024–2025 Settlement Ratio | Avg Claim Processing Time |
|---|---|---|
| Cignattk | 97.1 % | 3.5 days (cashless) |
| SBI General | 96.8 % | 3.9 days (cashless) |
Both insurance companies enjoy one of the highest settlement rates in India.
SBI General is praised because of the ground-level support, Cignattk is praised because of the real-time updates of the app, particularly by urban professionals.
Did You Know?
More than 80 percent of buyers in 2025 will compare online before buying an insurer, seeking price, reputation in claims handling, and digital experience.
Scenario
Two young children, two working parents.
Decision Process
Result
Cignattk Popular Add-Ons
SBI General Popular Add-Ons
The policy buyers choose the add-ons online depending on the family needs and life stage. Use online marketplaces for easy side-by-side comparisons.
Q: Is it possible to port my policy between Cignattk and SBI General?
A: Yes. The IRDAI rules allow policy modifications without the loss of benefits as long as you follow schedules and instructions.
Note: Look at the policy text and benefits calendar. Clarify doubts with customer care or an online broker.
Cignattk Initiatives
SBI General Initiatives
Both upgrade platforms yearly for seamless e-KYC, cashless authorisation, and faster settlements. Pay attention to digital ecosystems to minimize paperwork.
Expert Insight – 2025 industry survey
Over 65 % of Indians under 40 prefer insurers with strong digital ecosystems.
| Aspect | Cignattk | SBI General |
|---|---|---|
| Best in terms of | Global cover, wellness, high sum insured | First time buyers, senior citizens, largest network |
| Premiums | A little higher on advanced plans | Lower on entry level plan |
| Digital and service | AI claims, powerful app | Simple portal, extensive branches |
| Network | 8,500 or more hospitals | 20,000 or more hospitals |
| Global coverage? | Yes (select) | No |
| OPD & wellness | Inclusive | Limited |
TL;DR – Cignattk has high value policies, wellness and global options; SBI General has a larger network and better value. Compare online to suit your lifestyle.
Which is the best insurer to the senior citizens in 2025?
At lower premiums, the SBI General has specific senior plans, life renewals and increased coverage of age-related diseases.
Is cashless hospitalisation available with both?
Yes. Check each insurer’s network list for the latest hospitals.
What is the most appropriate plan to cover the whole world?
The international or global plans offered by Cignattk include overseas hospitalisation and can also include OPD overseas.
Do they include preventive health check-ups?
Indeed, both brands have top plans that provide free check-ups once a policy year following the waiting period.
How to purchase or compare these health insurances?
Choose the products transparently by using online comparison sites that provide the details of the products offered by reputable insurers.
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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