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Last updated on: August 7, 2025
The ManipalCigna Prime Active Plan and Niva Bupa Aspire Diamond Plan are both comprehensive health insurance policies, but they differ in key features. ManipalCigna Prime Active offers flexible sum insured options (up to ₹1 crore), restoration benefits, global coverage, and wellness rewards, making it suitable for families seeking higher coverage and added benefits. Niva Bupa Aspire Diamond Plan stands out with unique features like booster benefits (cumulative bonus up to 600%), no room rent capping, and coverage for modern treatments, catering to individuals desiring enhanced value on sum insured and fewer restrictions on hospitalization expenses. While both plans provide cashless hospitalization and pre/post-hospitalization coverage, the choice depends on personal priorities—whether global benefits and wellness are paramount (ManipalCigna) or maximizing cumulative bonuses and room flexibility is preferred (Niva Bupa).
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The right health insurance plan is important when it comes to your health and financial prosperity in India. The Manipalcigna Prime Active Plan and the Niva Bupa Aspire Diamond Plan are two of the trending ones in the market as we head into 2025. The two plans are said to be all inclusive, powerful, and provide peace of mind, but which is the most superior to the other?
Here, in the step-by-step comparison, you will discover which plan suits your needs, an overview of the main features, advantages and disadvantages of the plans, real-life examples, and major distinctions of the two plans to help you make a wise choice.
The Manipalcigna Prime Active is a health insurance product that is particularly aimed at serving families, individuals and senior citizens who seek holistic coverage with additional wellness benefits in 2025. It is reputed with large sum insured choices and worldwide covers like add-ons.
The Niva Bupa Aspire Diamond Plan is designed to suit individuals seeking flexibility in the coverage, substantial ancillary benefits, and the durability of a lifetime renewal, and hence, the policy option is appealing to the younger and middle-aged customers who seek long-term coverage and protection against health issues.
To illuminate further on the two plans, let us take a look at the plans.
Expert Insight:
Additional value added services like OPD benefits, telemedicine are being sought in contemporary Indian families. Manipalcigna as well as Niva Bupa have both fit this market requirement.
| Features | Manipalcigna Prime Active | Niva Bupa Aspire Diamond |
|---|---|---|
| Age of entry | 91 days to 65 years (3 months as child) | 18 to 65 years |
| sum insured options | [?]3lakh - [?]1 crore | [?]5 lakh - [?]3 crore |
| Waiting period of pre-existing disease | 24 months | 36 months |
| Pre/post-hospitalisation | 60d/180d | 60d/180d |
| Daycare procedures | 585+ | 600+ |
| OPD cover | Add-on | Included and customizable. |
| AYUSH cover | Yes | Yes |
| None of the claim bonus | Up to 50 percent | Up to 100 percent. |
| Health check-up | Once a year/as per plan. | |
| Reimbursement of sum insured | Unlimited (unrelated illness) | Unlimited (related + unrelated) |
| Limit on room rent | No capping of the room rent. | |
| International coverage | Option (add-on) | |
| Maternity cover | Yes | Yes (waiting period) |
Pros:
Cons:
Pros:
Cons:
Did you know?
According to IRDAI current statistics, health plans that offer unrestricted sum insured restoration enjoy 15 percent higher customer satisfaction than those that offer limited restoration.
Scenario 1:
Mr. Rao is 54 years old; he purchases the Manipalcigna Prime Active Plan in his family. In the second policy year, he is subjected to a cardiac surgery (sum insured: [?]30 lakh). His wife requires cancer treatment six months later that is not related to his illness. The unlimited sum insured restoration allows both claims to be settled to the full amount insured as there is no out of pocket burden.
Scenario 2:
Patel family picks Niva Bupa Aspire Diamond because it has an inbuilt OPD cover and high sum insured ([?]50 lakh). Their daughter visits the OPD regularly because of asthma, and the mother, Mrs. Patel, has been using the app to manage diabetes with the help of wellness coaching. Cashless OPD and hospital procedures are also beneficial to them, and these benefits optimize both preventive care and hospitalization requirements.
This will be achieved through online insurance aggregators in 2025 that indicate that the two plans have regularly featured in the top five during the family and individual health insurance segments. Manipalcigna has been praised by user reviews on its hassle-free claims against high-value hospitalization, whereas Niva Bupa Aspire Diamond has been appreciated on its features of OPD and wellness. Before you buy coverages, premiums, and waiting period, online comparison tools enable you to compare them.
In the case of Seniors or Pre-existing Disease:
The 24-month waiting of Manipalcigna Prime Active is a distinct advantage to older policyholders who require faster cover on the ailments that they already have.
Young Families and outpatient needs:
Niva Bupa Aspire Diamond is sparkling with built-in OPD cover, high NCB and digital benefits.
To cover International Travel and Global Coverage:
The two plans also have optional international cover, and the add-on of Manipalcigna is a little cheaper according to online ratings.
For Maternity Cover:
Both have maternity, with waiting periods and limits possibly different; see current policy documents.
Professional Insight:
Comparison of features, premiums and fine print Before purchasing any health plan, do so on a well known online platform. You also have access to professional guidance and available claim statistics that are updated in 2025 updates.
According to the IRDAI data of 2025, both companies have the highest ratios in the industry (Manipalcigna: 98.2%, Niva Bupa: 97.6%).
Niva Bupa is greatly valued due to fast online claims and 24/7 services.
Manipalcigna is the large hospital network with digital tracking system, which increases customer satisfaction.
| Plan | Premium ([?], approx) |
|---|---|
| Manipalcigna Prime Active | 22,000 |
| Niva Bupa Aspire Diamond | 24,500 |
Note: Premiums can differ depending on location, add-ons and discounts. It is important to regularly visit the 2025 premium list on the portal of the insurer.
Better between Prime Active and Aspire diamond on OPD expenses?
Niva Bupa Aspire diamond includes in-built OPD cover; it is optional with Manipalcigna. In case regular visits to the doctor are important, Aspire Diamond may prove to be superior.
Will Manipalcigna Prime Active include pre-existing diseases earlier than Niva Bupa Aspire Diamond?
Yes, the wait period of the Prime active is 24 months as compared to 36 months in Aspire Diamond.
NRIs and overseas Indians can both buy both plans.
Yes, the two plans allow NRIs to purchase Indian hospitalization cover. To get a global coverage, see the add-ons and read terms.
Are both plans unlimited on restoration?
They both provide the unlimited sum insured restoration, but the terms are varied in the case of related and unrelated illnesses. The years policy of check policy beginning 2025.
What is the comparison of premiums and download policy brochures of the two plans?
Independent insurance comparisons are available online to research the latest premiums, features, and download official product brochures 2025. This is time saving and provides side-by-side clarity.
| Terms | Manipalcigna Prime Active | Niva Bupa Aspire Diamond |
|---|---|---|
| Sum Insured | 3 lakh -1 crore | 5 lakh -3 crore |
| Drag Time to PED | 24 months | 36 months |
| Restoration | The unlimited (unrelated) | The unlimited (all) |
| OPD Coverage | Add-on | In-built |
| Maternity Benefits | Yes (2 years) | Yes (3 years) |
| Global Emergency Cover | Add-on (cost-effective) | Add-on. |
| Health Checkup | Annual | Annual. |
| Digital Health Features | Wellness rewards, tracking | OPD digital, behavioral coach. |
| Premium [?]10 lakh, family of 3) | Approx [?]22,000 | Approx [?]24,500 |
| Best For | Seniors, international travelers of cover | Young families, OPD users. |
Manipalcigna Prime Active and the Niva Bupa Aspire Diamond are also the best health insurance plans in 2025 that suit Indian families. The decision will be made based on your lifestyle, age, medical background, and desired traits like OPD care, waiting time and universal coverage.
Always submit claims digitally and use reliable online marketplaces to compare product features, exclusions, pricing and compare them to be transparent.
Will my health insurance with Manipalcigna be portable to Niva Bupa Aspire Diamond and vice versa?
Yes, your policy can be ported upon renewal as per rules of IRDAI. Also make sure you give your current insurer 45 days notice and enquire about continuity benefits.
Do both plans have cashless hospitalizations pan India?
Both the plans provide cashless access to the network throughout the country; however, before admission, always confirm whether your hospital of choice is on such a network.
Can wellness be used to make premium payments?
Manipalcigna has wellness reward points that are redeemable on recharge or pharmacy purchase. The health rewards provided by Niva Bupa can serve as premium discounts or OPD consultation, which are subject to the rules of the 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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