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Last updated on: September 19, 2025
The HDFC Ergo Optima Restore Plan and the ManipalCigna Prime Active Plan are both popular health insurance policies but cater to different needs. Optima Restore is known for its unique restore benefit, which automatically reinstates the sum insured when it gets exhausted during a policy year, making it ideal for families seeking comprehensive coverage with affordable premiums. It also offers lifelong renewability and cashless hospitalization at a wide network. On the other hand, ManipalCigna Prime Active stands out with extensive wellness benefits, coverage for modern treatments, and a flexible sum insured range, making it suitable for individuals focused on overall health, fitness rewards, and customizable coverage options. While Optima Restore prioritizes value and restoration features, Prime Active emphasizes preventive health and broader inclusions, so the better plan depends on your personal needs—restore benefits versus wellness-focused coverage.
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As the medical treatment cost in India is increasing, now it is a financial step to select the optimal health insurance plan of your family. The HDFC Ergo Optima Restore Plan, as well as the ManipalCigna Prime Active Plan are the top choices of 2025. They each have their own advantages, cover provisions and conditions that vary according to the needs. When you know the main peculiarities of every plan, its pros and cons, and the way it compares to others, it becomes possible to make a well-informed decision.
One of the most successful health insurance policies that have gained popularity in the Indian family and among individuals is HDFC Ergo Optima Restore Plan. This plan will be available in 2025 and will be equipped with new features to help you to restore your sum insured in case of a claim. This is in the sense that you never find yourself without cover regardless of whether you have used up your insurance in a policy year.
Optima Restore Plan has several benefits.
Cons of Optima Restore Plan.
Did You Know?
Experts in the industry usually suggest HDFC Ergo Optima Restore due to its value-for-money policy and the wide network of hospitals that helps to obtain high-quality care with ease.
ManipalCigna Prime Active Plan is one of the newer universal health insurance plans, which are on the rise by 2025 as comprehensive health insurance plans. It provides unprecedented flexibility and global cover add-on, and wellness programs are available to the policyholders.
The benefits of Prime Active Plan
Negatives of Prime Active Plan.
Which supposes a more appropriate plan in the year 2025, one that is appropriate to a family of four?
They are both good, yet HDFC Ergo Optima Restore is useful in providing value to families with restoration needs and fewer exclusions, whereas ManipalCigna Prime Active provides more wellness choices in case you are more interested in health plus prevention.
Can both health insurance programs claim easily?
Both the providers have effective digital claim systems and massive cashless hospitals networks although HDFC Ergo has a slightly broader national network.
Did You Know?
The IRDAI also conducted a report recently showing that the policyholders using wellness programs claimed fewer claims and had reduced medical expenses in the long run because of the change in lifestyle habits.
Sum insured refers to the maximum amount of cover you can get in case of a medical emergency. The plans have a variety of plans that can be used by individuals and family in the year 2025.
| Characteristic | HDFC Ergo Optima Restore, | ManipalCigna Prime Active. |
|---|---|---|
| Sum Insured Range | Rs 3 lakh to Rs 50 lakh | Rs 2.5 lakh to Rs 1 crore |
| Restoration Benefit | 100 percent, indefinitely | 100 percent on unrelated illness or accident. |
| Maternity Coverage | None standard | None (choose variants) |
| Pre Hospitalization Cover | 60 days | 90 days |
| Post Hospitalization Cover | 180 days | 180 days. |
| Wellness Program | Nonexistent | Yes, rewarded. |
| No Claim Bonus | Up to 100 percent | Up to 200 percent (max cap) |
| Global Cover | Not available | Available (add-on) |
| Network Hospitals (2025) | Over 13000 | Over 10000 |
| Room Rent Limit | There is no limit (except basic options) | All except suites and above. |
| Day Care Procedures | 586 | All covered. |
| Free Health Check Up | Yes, once a year all over | Yes, depending on variant. |
What does restoration of sum insured mean?
Restoration refers to whether you exhaust your cover to a claim, the sum insured is reloaded on new illnesses without incurring an additional charge to your account to provide you with peace of mind in case of back to back hospitalization.
What is the plan used to cover OPD expenses?
Both of them provide less coverage of OPD as an addition, whereas ManipalCigna provides additional services with tele consultations and wellness coaching.
Did You Know?
Current hospital surveys reveal that most of the big claims in India are in surgeries and very serious illnesses with ability to burn base cover very fast. The coverage gaps can be eliminated by automatic restoration benefits.
It is necessary to select an insurer that has a hassle-free claim system and customer care. Both HDFC Ergo and ManipalCigna are known to have digital claim facilities.
HDFC Ergo is reputed to have a claim settlement ratio of more than 98 percent in 2025, quick approvals, and open communication.
ManipalCigna has progressively won the claim settlement ratio which is currently over 96 percent and with digital and app based support.
The two insurance companies provide 24 by 7 helplines, web-based policy management, and partnership with empanelled hospitals to provide cashless care.
The feedback indicates that HDFC Ergo has a larger network of hospitals across the Tier II and III cities, whereas ManipalCigna usually win with the wellness engagement and support.
What are the documents needed in order to have cashless claim?
As a rule, the health card, photo ID, prescription, medical reports, and doctor recommendation are required. The business and insurer will help in the process.
Will insurers cover COVID19 and vaccines in 2025?
Yes, the two have revised their policies to accommodate COVID19 related hospitalization and vaccination expenses, as per the provisions of the policy.
HDFC Ergo Optima Restore can be used by young professionals or couples who are interested in simple coverage, automatic restoration and low waiting periods.
ManipalCigna Prime Active is what one is willing to concentrate on the wellness aspect, appreciate maternity cover, and it might include an option of going to overseas treatment in case of emergencies.
HDFC Ergo Optima Restore is most suitable to families and individuals who desire sound restoration benefits, extended reach in network, and simple policy framework.
The first one is ManipalCigna Prime Active which is offered to the people who prefer wellness option, flexibility, global covers, and have no problem with paying a minor extra premium due to additional options.
Both insurers are well set in terms of their claim settlement ratio and reliable customer service in 2025.
Hdfc Ergo Optima Restore Plan is one of the best plans to be chosen in case you desire a comprehensive hassle-free health cover with good restoration and low premium rates in 2025. ManipalCigna Prime Active Plan is the most suitable plan when one wants to have flexible plans, wellness rewards, maternity, and optional cover in the global context. Comparison of coverage, terms and consultation should always be done based on your health needs and budget.
What course of action has a superior restoration advantage?
HDFC Ergo Optima Restore will automatically reimburse your cover indefinitely once depleted, and ManipalCigna will only reimburse your cover in case of other sicknesses. HDFC Ergo is more superior in case of frequent or back to back claims.
Do they have underlying sub-limits or co payment provisions?
The two policies are transparent. The sum insured variants that are of high sum have no sub limits and do not involve co payment except when desired by the customer or in the case of older age group.
Is it possible to include parents or extended family in such plans?
Both offers floater plans with the provision of inclusion of parents and dependent children. Under certain variants, ManipalCigna permits extended family.
What is minimum waiting time on pre existing diseases?
Both plans normally come with a 2 year -4 year waiting period of pre existing diseases. This could be decreased by some new add ons by 2025.
Does it contain preventive care and annual health check up?
Yes, they both provide annual health check ups. ManipalCigna also introduces incentives on preventive care and wellness.
Professional Advice: When buying your health insurance, make sure to do a needs analysis with an advisor and a benefit comparison tool before making your final decision.
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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