🚀 Fincover® App is Now Live!
Join 10 Million+ users on web – now available on mobile!
Last updated on: August 7, 2025
The ManipalCigna Prime Active Plan and Prime Advantage Plan are both health insurance products offering robust coverage, but they differ in their features and benefits. The Prime Active Plan is designed for individuals seeking comprehensive coverage at an affordable premium, providing essential benefits like inpatient hospitalization, wellness programs, and coverage for specified day care procedures. The Prime Advantage Plan, on the other hand, is targeted towards those wanting enhanced protection and premium services, including higher sum insured options, coverage for non-medical expenses, unlimited restoration of sum insured, and additional wellness benefits. While both plans offer lifelong renewability and wide hospital network access, Prime Advantage stands out for its premium add-ons and extensive coverage, making it more suitable for people seeking top-tier health protection. Choosing between them depends on your budget and the level of benefits you desire.
Author
Read Bio
Reviewed by
Read Bio
Choosing the appropriate health insurance program is essential to any family in India, more so nowadays when the prices of health services are always on the increase. Among the available health insurance policies, Manipalcigna Prime Active Plan and Manipalcigna Prime Advantage Plan are two of the most popular health insurance policies that individuals prefer to be enrolled in due to its ability to provide in-depth and economical health insurance cover. It can be useful to know the major distinctions and similarities between these plans in order to make a decision that would be effective in the year 2025 or later.
This handbook is an in-depth comparison of Prime Active and Prime Advantage Plans of Manipalcigna. It addresses key attributes, advantages, and constraints and who should take this plan as well as practical examples to make that quick and accurate decision.
Manipalcigna Prime Active Plan is a current health insurance policy directed at an individual and families that wish to have a cheap means of accessing quality medical care. This is a plan aimed at offering basic to intermediate health insurance, wellness and preventive insurance as a way of promoting healthy living and early intervention.
Pros:
Cons:
Expert View: In 2025, young families will choose Prime Active because it is cost-effective and concentrates on preventive care. Recent customer surveys indicated that 65 percent users gave cost-effectiveness as the best reason.
The Manipalcigna Prime Advantage Plan is more comprehensive in coverage and the added benefits, to the people who need greater sum insured and added protection against contemporary health hazards. The plan fits well in large families, middle-aged professionals and the aging population in need of utmost protection.
Pros:
Cons:
Did You Know? More than 40 percent of the policyholders over the age of 40 in 2025 upgrade to Advantage to cover lifestyle diseases and high-tech medical demands.
Let us immediately get a side-by-side breakdown to understand.
| Feature | Prime Advantage Plan | Prime Active Plan |
|---|---|---|
| Sum Insured | 2L to 25L | 5L to 1 Crore |
| Age at entry | 18-65 Adults, 91d-25y kids | 18-65 (lifetime renewal) |
| Pre/Post Hospital Cover | 60/ 180 days | 60/ 180 days |
| Daycare Procedures | Covered | Covered |
| Maternity Cover | Not included in base plan | Included (but with a waiting period) |
| Global Coverage | No | Yes, to SI (on select) |
| Reimbursement of Sum Insured | - 100 percent; annually | Unlimited on most forms |
| Wellness Benefits | Basic | Enhanced (along with health coach, diet) |
| Critical Illness Add-ons | Limited | Comprehensive (Multi diseases) |
| Room Rent Limit | No limit (over 5L SI) | No limit |
| OPD, Home Care | Not Found in all options | Covered in certain options |
| Indicative (30/Male) | [?]5,500-[?]10,000 (5L SI) | [?]9,500-[?]18,000 (10L SI) |
Q: Would Manipalcigna Prime Advantage Plan be appropriate to single, young adults?
A: Advantage is normally useful in families or those whose value requirement is high. Prime Active may serve well young singles.
Use Case 1: Small children Young Married Couple
Both Seema and Raj are 30 years; they have a 3-year-old son. They require low cost cover to get care on frequent childhood illness, visits to daycare and simple emergencies. Prime Active Plan best suits their requirement, allowing sufficient room to cover simple hospitalisation instances and wellness benefits, without expensive premium payments.
Use Case 2: Large Urban Family and Elderly Parents
Rakesh is aged 45 and lives with the wife, two children and a dependent mother and father (78, 72). He selects Prime Advantage with the view to greater sum insured, coverage on cataract, cardiac and critical illness and medical inflation in metros. He also desires protection of his married daughter in terms of maternity and newborn.
Best Expert View: Manipalcigna claims data 2025 claims data shows that the Prime Advantage clients were 3 times more likely to have a claim in place in modern treatment when compared to the claims by the Prime Active customers.
Q: Will I be able to make a Covid19 claim in both plans in 2025?
A: Both Covid19 have been involved in the category of hospitalisation as outlined in IRDAI guidelines.
When Prime Active should be reconsidered:
Did You Know? You can now compare Prime Active with over 10 other plans using Apps by Manipalcigna before you make a choice. This can be found through the big online platforms (such as official insurers websites or IRDAI certified online health insurance websites).
Increase the age of children taking a prime advantage:
Q: What will occur in the event of the exhaustion of my sum insured?
A: Prime Advantage provides unlimited recovery in the majority of the versions, which means that your sum insured will be replenished due to new illnesses within a year.
The two plans have gone 90 percent paperless. You can:
Claim settlements are third party tools that are AI-powered to verify bills. The average claim TPA of 2025 of Manipalcigna is 10 days when using Prime Active and 6 days when using Advantage.
Expert Intuition: Digital claim processing is particularly accurate in the presence of Tier II and Tier III cities, where it saves 25 percent of the hospital waiting time.
The two plans have optional additions as additional premium:
Online marketplaces are able to tailor them and to compare them in terms of exact cost and suitability.
As per children reviews and 2025 ratings:
A user of Mumbai writes: “Two years after last year had two hospitalizations, Prime Advantage helped us to save over [?]9 lakh in expenses inclusive of cashless cardiac care and home nurse support.”
Prime Active Plan is a plan that fits the small or small families that require an affordable basic cover, which rewards healthy living and the frequent hospital demands.
Prime Advantage Plan is perfect where the family size is large, people are in need of the all round safety, maternity, new diseases or abroad treatments.
In 2025 both plans will be completely digital to enroll and claim. Compare these to other alternatives when necessary using the known online products.
Q: Why are Manipalcigna health insurance plans popular in 2025?
A: Young and older policyholders across the country are drawn to their digital claim process, broad network hospitals and customizable features of wellness.
Q: May I alternate between Prime Active and Prime Advantage in a few years?
A: Yes, any change plans are possible when you renew, but any upgrade is subject to new underwriting and wait time on new covers.
Q: Which is the more appropriate plan to parents older than 60 years?
A: Prime Advantage because it has a broader cover and an interest in chronic and modern care.
Q: Do a family with no pre-existing health problems need health insurance?
A: Yes, because medical costs are not predictable. Prime Active Plan has low cost safety even during times when you are healthy.
Q: What would be a comparable of these plans with other insurance products?
A: Online health insurance marketplaces that are approved by IRDAI or Manipalcigna website. This enables you to have several plans that you can easily compare.
Select Prime Active when you think economy and basic cover are important to your young family. If you require a wide coverage, worldwide coverage, maternity and huge hospital bills that were taken care of on behalf of all the members of the family, then prefer Prime Advantage.
When renewing or buying a policy always verify the details directly with Manipalcigna or verified online marketplaces.
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 (web). Start your financial journey today!
