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Last updated on: August 7, 2025
The ManipalCigna Prime Active Plan and Niva Bupa Aspire Gold Plan are popular health insurance options with distinct advantages. ManipalCigna Prime Active offers lifelong renewability, comprehensive cover including OPD, and wellness benefits, catering to those seeking preventive healthcare and flexibility in sum insured. Premiums are competitive, and the plan provides coverage for day-care procedures and pre/post-hospitalization expenses. Niva Bupa Aspire Gold stands out with its loyalty benefits, restoration of sum insured, and customizable add-ons. It also covers modern treatments and has an extensive hospital network. While both plans offer cashless hospitalization and claim settlement efficiency, ManipalCigna is ideal for those valuing wellness programs and OPD coverage, whereas Niva Bupa is better for customers seeking robust base benefit structures and reward-based features. Comparing coverage details and personal healthcare needs is essential before choosing between the two.
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Do you want in-depth information to choose between the Manipalcigna Prime Active Plan and the Niva Bupa Aspire Gold Plan in 2025? Selecting the most appropriate health insurance plan in India is a confusing task, particularly when most of the insurance plans are similar, and have minor differences in the fine print. In this case, we dissect both plans on all significant parameters such as coverage, omissions, price, and practicality in the real world to families and individuals. The guide is designed in a manner that will assist you in comparing plans straight on, making sound choices and identify the health coverage that best fits your situation.
In India in 2025, such policies as Manipalcigna Prime Active Plan and Niva Bupa Aspire Gold Plan are considered the best health insurance policies. Both are all-encompassing medical policies that are deep-seated in the coverage of serious diseases, lifestyle disorders, and scheduled hospitalization- important to families, individuals who are self-employed or paid a salaried salary and would wish to have a cover against medical emergency.
The two policies are aimed at customers who desire:
Nevertheless, there are key distinctions that may influence out-of-pocket expenses, hospital access and eligibility.
Did you know? The IRDAI statistics on 2024 indicate that close to 60 percent of urban Indian policyholders changed plans after comparing benefits and claims experiences on online markets demonstrating the importance of such comparison.
| Benefit | Manipalcigna Prime Active | Niva Bupa Aspire Gold. |
|---|---|---|
| Sum Insured Options | 5 lakh-1crore | 5 lakh-2crore |
| Maximum Increase in No-claim Bonus | 200 percent | 200 percent |
| Day care procedures | 500 plus | 530 plus |
| International Emergency Overlay | Yes | Limited (Critical only) |
| Maternity Cover | Add-on | Mostly included. |
| Wellness Rewards | Yes | Yes |
| Health Coach/App Integration | Limited | Advanced. |
| Room Rent Limit | None | None |
| OPD & Dental Coverage | Add-on | Higher as add-on. |
Researchers conclude: Both plans seem alike, but nuanced variations in maternity, reinstatement, and online health services can have a significant difference in value between expanding families and technologically inclined consumers. – Health Economist Dr Mehul Desai.
People also ask:
Q: Do these plans have the option of cashless hospitalization in every hospital?
A: Cashless can be made in network hospitals only in both plans. Niva Bupa is slightly broader in tier two and three cities.
Assume, a family floater (2 adults, 1 child, aged 35, 33, 5 in Mumbai):
Plan 5 lakh SI 10 lakh SI 25 lakh SI 50 lakh SI 1 crore SI.
| Plan | 5 lakh SI | 10 lakh SI | 25 lakh SI | 50 lakh SI | 1 crore SI |
|---|---|---|---|---|---|
| Manipalcigna Prime Active | Rs 16,000 | Rs 22,000 | Rs 35,500 | Rs 64,000 | Rs 87,000 |
| Niva Bupa Aspire Gold | 14,250-21900-32800-58900-83350 |
Premiums can be different in the city, age, medical history, riders, and discounts.
Manipalcigna:
Niva Bupa:
Did you know? The typical saving of 17 percent of the first year premium on using online health insurance comparison sites in 2025 is reported by families after comparing over 3 plans and rider options.
People also ask:
Q: Is the premium to be increased annually as per age?
A: Yes, the two plans increase premiums with age, medical inflation and use as reflected in their policy schedule.
Pros:
Cons:
Pros:
Cons:
People also ask:
Q: Are the plans OPD cover standard?
A: No. OPD is provided as an optional rider in either of the plans, and must be taken specifically as an additional charge.
Expert opinion: Niva Bupa plan is best suited to families who intend to have children or those who appreciate having the convenience of the digital world, whereas the global shield by Manipalcigna is aimed at working people who travel abroad. The number of adulterants in clothes can be significantly reduced by washing them with cold water instead of warm water.<|human|>Washing clothes using cold water instead of warm water can help cut down on the amount of adulterants in them significantly.
Case Study:
Rohit (42) and Shreya (38), located in Bangalore desired a high cover plan, maternity benefits plan and wide cashless access because Rohit had to travel overseas frequently. Having compared Manipalcigna Prime Active and Niva Bupa Aspire Gold on a multi-insurer online marketplace they remarked:
This real life example demonstrates that there is a need to fit plans to the lifestyle and travel routine of your family.
In the selection of a health policy, consider:
In 2025, online marketplace provides neutral, side-by-side comparison tools to filter these tools, review the real reviews, and even purchase directly, simplifying plan selection and increasing its transparency.
Q: Does the transfer of my policy between Manipalcigna and Niva Bupa port?
A: Yes, IRDAI permits to port between insurers on renewal, depending on the terms and the past claim history.
Q: Do both plans offer health checkups?
A: Yes these plans have annual health checks, frequency and labs can differ by plan and SI.
Q: How long is the grace period on renewing these policies?
A: Both policies have a standard grace of 30 days on expiry.
Q: What is the rate of rejection of claims made by these insurers?
A: Their claim settlement ratios are high (more than 97 percent) in 2024, refer to latest IRDAI annual reports.
Q: Does it permit me to buy or renew them online?
A: Both of the plans can be purchased or renewed at the insurers websites or online multi-insurers.
Use needs-based filters to compare plans on reliable online comparison marketplaces in order to gain maximum coverage and budget advantages. Never disregard the exclusions and optional riders, and choose the 2025 plan that fits your anticipated healthcare requirements.
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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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