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Last updated on: August 7, 2025
The ManipalCigna Prime Active Plan and the Niva Bupa Aspire Platinum Plan are both comprehensive health insurance options, but they differ in key features and benefits. The ManipalCigna Prime Active Plan stands out for its flexibility with sum insured options up to ₹1 crore, worldwide emergency cover, and wellness benefits like health check-ups and rewards. In contrast, the Niva Bupa Aspire Platinum Plan offers unique features such as Lock the Clock (freezing your entry age renewal premium) and Booster+ (no claim bonus up to 500% of the sum insured), along with international coverage for seven listed illnesses. While both plans offer cashless hospitalisation and fast claim settlement, Niva Bupa appeals to those seeking premium benefits and substantial no-claim bonuses, whereas ManipalCigna is ideal for those desiring flexible worldwide coverage and wellness incentives. Choosing depends on individual health priorities, coverage needs, and preferred unique features.
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The selection of appropriate health insurance plan is important- particularly amid the new features and family needs in 2025. The Manipalcigna Prime Active Plan and the Niva Bupa Aspire Platinum Plan are the two best alternatives in India. They both are popular, but they differ in coverage, benefits, price and suitability to different lifestyles. We will unpack their features in this article, compare the advantages and assist you in choosing the most appropriate one to you and your family.
The Indian health insurance has become more inclusive and is addressing individual wellness and intelligent digitalisation. Both these plans belong to well-established insurance companies, that is, ManipalCigna Health Insurance and Niva Bupa Health Insurance, which implies the accelerated claims and the relied assistance. Customers in 2025 are seeking plans that can cover large hospital bills, provide treatment without using cash around the country, as well as provide additional health and wellness benefits.
Expert Insight: Industry consultants claim that increasing numbers of metro residents and tier-2 cities residents are choosing plans that cover a broader area and have mental wellness add-ons.
Did you know?
ManipalCigna cashless claims are supported by more than 1.5 lakh hospitals across the pan-India, with numerous high-end private hospitals.
Case Study
Priya, 34, utilised the coverage of the Aspire Platinum Plan on monitoring her diabetes without hospitalisation and her sum insured was boosted by the Booster+ option- which helps her to remain covered on future claims.
People also ask:
Q: Does Niva Bupa Aspire Platinum have alternative medicine (AYUSH) cover?
A: Yes, it includes inpatient AYUSH treatments to the sum insured.
A side by side comparison of the two plans will aid in appreciating the difference between the two plans. The following is an in-depth overview of their most important products:
| Plan / Feature | Manipalcigna Prime Active | Niva Bupa Aspire Platinum |
|---|---|---|
| Sum Insured Options | [?]3L - [?]2 Cr | [?]5L - [?]3 Cr |
| Hospital network size | 14,000+ hospitals | 12,000+ hospitals |
| Room Rent Limit | Private single (no capping) | Private single (no capping) |
| Restoration of Sum Insured | 100 percent per annum, unrelated illness | Up to 500 percent (Booster+ with no claim) |
| Pre/Post Hospitalisation (days) | 60 / 180 | 60 / 180 |
| Day Care Procedures | 600+ centralized | 568+ centralized |
| Maternity & Newborn Benefit | Add-on option | Included (Platinum) |
| Optional, chronic care focus | Optional, dental and vision option | |
| International Coverage | Optional | Emergencies and planned included |
| Check-up Health | Annual, per member | Annual, per member |
| Mental Health Benefits | Add-on or included in base plan | |
| Waiting Period on Pre-Existing Disease | 36 months | 24 months |
| Wellness Rewards | Grant redeemable points | Health coach, online rewards |
| AYUSH Coverage | Covered up to sum insured | Covered up to sum insured |
| Digital Onboarding/Telemedicine | Yes, app enabled | Yes, app enabled |
Expert Opinion:
The cashless claims and wellness monitoring is much easier to the policyholders through the digital health applications provided by both the insurers.
Pros
Cons
Pros
Cons
Did you know?
In the IRDAI Annual Health Survey 2024 (India) Niva Bupa has been voted as one of the top 5 in terms of customer satisfaction.
People Also Ask
Q: should you buy directly with the insurers, or use online comparison services?
A: Purchase direct has benefits of loyalty, online marketplaces have side-by-side plan comparisons, reviews and occasionally exclusive deals.
The following is the snap of the annual premium estimates of nuclear family (self, spouse, one child, age group 30-35 years, healthy, Tier-1 city):
| Plan Name | Sum Insured | Premium (Approx) |
|---|---|---|
| Manipalcigna Prime Active | [?]10 lakh | [?]17,200 - [?]18,500 |
| Niva Bupa Platinum Aspire | [?]10 lakh | [?]20,800 - [?]22,500 |
| Manipalcigna Prime Active | [?]25 lakh | [?]23,000 - [?]24,900 |
| Niva Bupa Aspire Platinum | [?]25 lakh | [?]27,000 - [?]29,000 |
Note: The premiums can differ depending on the city, add-ons, age, medical history and some additional riders.
The digital claims processing in both companies is strong. Planned admissions without any cash claims are normally accepted in 2 hours in the network hospitals. Reimbursements require a time period of 5-7 working days when all documentation is provided.
People also ask:
Q: What is the reliability of the claims settlement to these plans?
A: The claims settlement ratio of both insurers is more than 95 percent (according to the data provided by IRDAI 2024), which is a guarantee of reliable payouts.
Take Niva Bupa Aspire Platinum when:
Take Manipalcigna Prime Active when you:
People also ask:
Q: Is it possible to port my existing insurance in either of these plans in 2025?
A: Yes, the insurers both embrace portability in the IRDAI regulations. Portability entails the credit of previous waiting times in circumstantially appropriate ways.
You can compare features, premiums of Manipalcigna Prime Active and Niva Bupa Aspire Platinum, and add-ons at a glance on many online health insurance platforms. With these marketplaces, it is easy to access an unbiased review, eligibility checks, and immediate premium quotes- useful when you are making big family decisions.
Expert Tip:
Online comparison of plans across various insurers allows you to receive an appropriate price, network, and coverage balance and prevents you to pay too much money on a rider you are not actually requiring.
Manoj is a 36-year-old IT manager in Bengaluru, who desired strong coverage of his wife and two children. He contrasted the two plans using an online aggregator site, reviewed the wellness plans, sum insured flexibility and ratio of claims settlement. He selected Manipalcigna with its pan-India network due to the frequent changes of locations of his job and the fact that it provides him with additional security in the issues of chronic diseases management, which is very important since his wife is a diabetic.
Two of the best in 2025 are Manipalcigna Prime Active and Niva Bupa Aspire Platinum.
Test features and prices on reputable online websites in order to find the best possible offer to secure the health of the family.
Q1: What is superior as maternity in India in 2025?
A: Niva Bupa Aspire Platinum has maternity as base and Manipalcigna as an add-on.
Q2: Do these health policies in India make them cashless policies?
A: Yes they boast of a large national cashless hospital network of more than 12,000 hospitals apiece.
Q3: Could claims be made over the Internet or by mobile application?
A: Yes, both have complete online procedures in their apps, documentation and tracking.
Q4: Which is a more appropriate plan in the case of pre-existing diabetes or hypertension?
A: Niva Bupa Aspire Platinum takes after 24 months, as compared to Manipalcigna, which takes after 36 months.
Q5: Do both plans include international treatments?
A: Yes, Manipalcigna would provide as an add-on, Niva Bupa would default provide it in the Platinum tier.
Q6: How do I access unprejudiced plan comparisons and real-time quotes in 2025?
A: Comparisons of products and services of different insurers, reviews and real-time quotes are available on trusted online health insurance marketplaces where you can easily find the best option.
Q7: How to obtain wellness rewards?
A: Thing is that both plans provide incentives in terms of healthy lifestyles such as routine check-ups, using wellness apps, getting vaccinations, and achieving health targets.
Q8: Who is to choose which plan?
A: Young couples or travelers can find it more comfortable to use Niva Bupa due to its rich coverage, whereas Manipalcigna can be more helpful to those families that require flexibility and chronic disease cover.
Q9: What are best three research requirements to make selection between these plans?
A: Check room rent limits, waiting times and price of bonuses or boosters on sum insured in reality sickness cases.
Q10: Will either plan be bought without a medical test?
A: In the no-test entry of some sum insured amounts, some amount of age and disclosure is required, such as through a digital onboarding but ultimately the eligibility depends on the age and disclosure.
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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