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Last updated on: May 20, 2025
The key pain points associated with choosing 1 crore health insurance in India for 2025 include justifying the high sum insured, understanding the layered policy structure, and ensuring inclusion of global and specialized treatment benefits. The featured 1 Crore Health Insurance in India effectively addresses these issues by offering all-inclusive coverage for high-cost treatments, international medical care, critical illnesses, and long-term hospitalization. It is ideal for HNIs, business owners, and families seeking top-tier medical protection without financial limits. The platform enhances user clarity with transparent breakdowns, AI-driven customization based on lifestyle and risk exposure, and expert guidance to ensure maximum return on investment and seamless claims experience.
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The selection of a health insurance plan in India in 2025 would require close comparison since new plans keep trickling into the market with improved coverage and features. The ICICI Lombard Elevate Plan and the ManipalCigna Prime Advantage Plan are the most searched plans nowadays. The policy buyers in both metro cities and small towns prefer both alternatives when seeking family floater, cashless hospitalisation, and low out-of-pocket costs. In this case, we provide a clear and recent analysis and comparison to enable you to make a sure choice on the best health coverage.
Launched keeping in consideration the modern needs, the ICICI Lombard Elevate Plan is a health insurance policy which is centered on flexibility of the sum insured, zero sub-limits and wide network of hospitals. In 2025, ICICI Lombard developed Elevate to cover individuals and families who require all-round protection in the case of unexpected health crises.
Pros:
Cons:
Did you know? Health insurance advisers have said that the number of insurance claims nowadays within the metros is 82 percent of the total of policies without sub-limits and room rent limits.
The most recent plan, ManipalCigna Prime Advantage Plan (to be introduced in 2024) is rated as one of the best plans, which aims to cover 100 percent of the modern, chronic, and advanced day care treatments. It has been known to offer customer friendly services with open terms suitable to all age groups including the elderly.
Pros:
Cons:
Professional Opinion: In 2025, the insurance professionals observe that unlimited restoration is extremely helpful with the family that has aged relatives or the family with a history of chronic diseases.
The following is a comparison table between both health covers in more detail:
| Characteristic | ICICI Lombard Elevate | ManipalCigna Prime Advantage |
|---|---|---|
| Sum insured range (Rs) | 5 Lakh-50 lakh | 10 Lakh-3 Crore |
| Family Floater Option | Yes | Yes. |
| Global Cover | Add-on | Only in 27 conditions. |
| Room Rent Capping | No | No |
| Unlimited Restoration | Only unrelated illness | Only all conditions. |
| Domiciliary Hospitalisation | Add-on | Standard. |
| Cashless Hospitals | 7,500+ | Approx. 6,000 |
| Day Care Procedures | 600+ | 500+ |
| OPD Cover | Add-on | Add-on |
| Entry Age (Adults) | 18 - 65 | 18 - Lifelong |
| Health Check-Ups | Since the 1st of the year | Annual, each member thereof. |
| Pre and Post Hospitalisation | 60 / 180 days | 60 / 180 days. |
| Premium Start (annual/ 30 yrs, 5 lakh) | Rs 7,200 - Rs 8,500 | Rs 7,500 - Rs 9,600 |
| Consumables Cover | Typically optional | Included. |
What is the difference between sum insured and restoration benefit in health insurance?
The limit that the insurer will pay in one year is the sum insured and restoration is a facility that will restore your sum insured after its depletion as a result of a claim.
The convenience of receiving cashless treatment is decided by network hospitals. As of January 2025, ICICI Lombard has more than 7,500 empanelled hospitals, and an excellent settlement of more than 98 percent. Even though new, ManipalCigna has been growing its network very fast, now having approximately 6,000 facilities with a claim settlement ratio of 96.7 percent (according to IRDAI reports).
Both the insurers have provided online services of claim intimation, settlement, and tracking, and have minimized paperwork by the customers.
Does unlimited restoration imply unlimited claims to the same illness?
Yes, with ManipalCigna, but it is limited to unlimited restoration only in case of other illnesses or other relatives with ICICI Lombard.
The choice between the ICICI Lombard Elevate and ManipalCigna Prime Advantage will depend, to a larger extent, on how good your health is, your family size, your budget, and the amount you intend to be insured.
The two plans might have different premiums as ManipalCigna will have a broader cover range at high values whereas ICICI Lombard will provide better prices at lower sum insured and younger families. As an illustration, when considering families with age below 40 seeking 10 lakh cover, they can discover some disparity of about 5 percent to 10 percent in these two plans, with ManipalCigna slightly higher at higher amount insured.
Insurers provide wellness schemes, no-claim bonuses, and other reward points that one would have to think over with premium before making the final decision.
Expert tip:
The premiums should always be compared with the inclusions of the coverage and not only the base price since add-ons may make it more expensive.
The two plans have good add-ons, where ManipalCigna has more comprehensive add-ons in default. Indicatively, its consumables, unlimited restoration, and home care covers will not be charged as additional charges, whereas ICICI Lombard will give the features as optional covers.
Add-ons: (both insurers):
According to customers, the two companies offer transparent claim settlement, particularly with regards to planned and cashless treatments. ICICI Lombard is highly praised in terms of extensive network of hospitals and convenient mobile application. ManipalCigna is rated highly on onboarding, unlimited restoration, and responsive wellness services.
Did you know?
In the annual survey of health insurance by IRDAI 2024- 2025, both ICICI Lombard and ManipalCigna have been ranked in the top five outsourcing companies in relation to health claims among the top five large insurers.
Does the two plans offer lifetime renewability?
Yes, the two health insurance plans are renewable on lifelong basis on payment of regular premiums.
Is it possible to transfer my current policy to either of these 2025 plans?
Yes, according to the rules of the IRDAI, you can transfer your current health insurance to the new retail policy of ICICI Lombard or ManipalCigna during the renewal time.
What should be the plan that is more effective on seniors over 60?
ManipalCigna Prime Advantage since there is no maximum age of entry and the restoration is unlimited and can be used as various illnesses during old age.
Is it possible to claim cashlessly in case of OPD consultations?
Both insurers have cashless OPD as an add-on or in a selected network of hospital clinics.
Does either of the policies address alternative medicine or AYUSH?
The AYUSH treatments are included in both the insurers but primarily as an add-on or to a specific limit. You should never overlook the policy wordings.
Which is the claim settlement ratio of such insurers in 2025?
The current figures indicate that ICICI Lombard is approximately 98 percent and ManipalCigna is in the range of 96.7 percent when it comes to health claims settlements in 2025.
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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