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Last updated on: August 7, 2025
The ManipalCigna Prime Active Plan and Niva Bupa Aspire Titanium Plan are both comprehensive health insurance options offering extensive coverage, but they differ in key aspects. The ManipalCigna Prime Active Plan is known for its customizable sum insured options (up to ₹1 crore), wellness benefits, and features like annual health check-ups and coverage for day-care treatments. In contrast, the Niva Bupa Aspire Titanium Plan stands out with its high no-claim bonus, unlimited restoration of sum insured, and OPD cover, offering robust protection especially for families and frequent healthcare seekers. While both plans offer cashless hospitalization and global coverage, Niva Bupa tends to provide more value-added services and flexibility, whereas ManipalCigna excels in wellness programs and customer-centric features. Ultimately, your choice should depend on whether you prioritize enhanced wellness benefits (ManipalCigna) or maximum sum insured and restoration benefits (Niva Bupa).
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When medical inflation increases and families want to be fully covered, making a choice of the appropriate health insurance in India in 2025 is a significant move. The Manipalcigna Prime Active Plan, the Niva Bupa Aspire Titanium Plan, stand out among numerous health policies offered, with their strong coverage and innovative benefits becoming favourable choices among individuals and families interested in solid coverage.
These two medical insurance policies are designed to suit different medical requirements and offer a broad assortment of features, value-added services, and low costs. Which of these most suits your needs in 2025? This comparative treatise discusses the two plans.
ManipalCigna Health Insurance Manipalcigna Prime Active Plan is a holistic health insurance product. It is tailored towards the contemporary Indian families and people who require an expansive covering and welfare-specific provisions. The plan is aimed at preventive healthcare, broader sum insured and increased value options to cover pre-hospitalisation and post-hospitalisation expenses.
Expert View: Analysts note that limitless sum insured recharge is a special advantage, particularly to large families that experience medical emergencies.
This is Niva Bupa Aspire Titanium Plan of Niva Bupa Health Insurance Company formerly called Max Bupa. Introduced to meet the dynamic healthcare requirements in 2025, Aspire Titanium is oriented towards increased sum insured, OPD benefits, global cover, and benefits on chronic conditions. It is suited to those customers who are interested in a wide coverage, particularly the critical and lifestyle diseases.
Did you know? The wellness benefits on proactive health tracking in Niva Bupa Aspire Titanium can also be used to lower future premium payments.
| Characteristic | Manipalcigna Prime Active Plan | Niva Bupa Aspire Titanium Plan. |
|---|---|---|
| Sum insured options | Rs 2.5 lakh -1crore | rs 5 lakh -3crore |
| Room Rent Limit | No sub-limit | No sub-limit |
| AYUSH coverage | Yes, to full sum insured | Yes, to full sum insured |
| Day Care Procedures | 600+ procedures | 540+ procedures |
| Annual Health Checkup | Yes (all members of the insurance above 18 yrs) | Yes (all members of the insurance above 18 yrs) |
| OPD Cover | Waiver or add-on mandatory | Covered up to Rs 50,000. |
| Restoration Benefit | Unlimited (unlimited up to sum insured) | Unlimited |
| Pre/Post Hospitalisation | 60/180 days | 60/180 days. |
| Global Support | Not available | Coverage of 9 critical illnesses only. |
| Critical Illness Add-on | Available | Available. |
| Wellness Programs | Available | Available with reward system. |
| Premium (sample, age 30, SI 10L) | Rs 10,000 - Rs 13,500 per year | Rs 11,000 - Rs 14,500 per year |
Oductive on single insured, and can be different depending on city and individual risk factors.
Case Study: Rakesh is a 35 year old working person in Bangalore and compared both the policies online. He selected Manipalcigna because his family had some medical history of small surgeries, but suggested Niva Bupa Aspire Titanium to his friend who requires OPD coverage and covers to other areas of the world in case of long-term care.
Reducing their differences still further:
People also ask:
Q: What is more suitable to take in terms of international hospitalisation coverage in 2025?
A: Niva Bupa Aspire Titanium, owing to its inbuilt worldwide coverage against some of the major illnesses.
Expert Insight: IRDAI 2025 data indicate that increasing numbers of customers are choosing OPD-inclusive plans due to the outpatient expenses that have been rising after the pandemic period.
In both Manipalcigna Prime Active and Niva Bupa Aspire Titanium, room rent does not have any sub-limits. It gives the policy holders the liberty to select whichever category of hospital room; single privates, deluxe or even suites without incurring co-payments or deductions on the rent of the room.
People also ask:
Q: What is the benefit of no room rent capping?
A: It facilitates access to superior hospital rooms and removes unwarranted out of pocket costs during hospitalisation.
Both plans have an excellent pre-hospitalisation (60 days) and post-hospitalisation (180 days) coverage that gives ample leeway on medical diagnostics, reports and continued treatments. This can particularly be useful where there will be a long term recovery or follow up therapy that is not usually considered in the budgets.
Did you know? Both insurers allow you to upload pre and post hospitalisation bills online to settle your claims faster, which improves the user experience.
Indian insurance industry has experienced a continuous change. Both companies have also added advanced functionality in 2025:
Case Study: Sunita is a diabetic patient in Pune, who used the wellness coaching of Manipalcigna to control her HbA1c, gaining the loyalty discounts. Her husband on the other hand acquired gym membership discounts under the health reward scheme of Niva Bupa.
People also ask:
Q: Which insurer is quicker in claim settlement?
A: Both are high, but Niva Bupa tends to pull ahead in metro cities as it has a broader tie-in network with hospitals.
In 2025, the premiums of the two policies will be based on age, city, sum insured, and add-ons selected. Generally:
People (age 30, sum insured Rs 10 lakh):
Family floater (2 adults and 1 child, sum insured 20 lakh):
Prospective buyers in India can easily do a comparison online insurance marketplaces enable instant comparison across companies, sum insured and features of the products streamlining the decision making process.
Manipalcigna Prime Active: It is provided with a strong No Claim Bonus booster, maternity riders (waiting period is applied), accidental coverage and additional sum insured on critical conditions.
Niva Bupa Aspire Titanium: Allows you to include critical illness rider, accidental hospital cash, personal accident and worldwide hospital care.
Did you know? Many users are now buying policy add-ons online once they have already bought them, via their insurers mobile application.
Select Manipalcigna Prime Active When:
Select Niva Bupa Aspire Titanium When:
Manipalcigna Prime Active: It is best suited to individuals who require a 1 crore sum insured including unlimited recharge, wellness benefits, and comprehensive daycare coverage.
Niva Bupa Aspire Titanium: Best suited to increased protection requirements, OPD cover, worldwide illness care and direct wellness benefits.
Close is the premiums, coverage and add-ons are the decision makers.
In 2025, online policy comparison before buying will always be a good idea to adapt your cover and update on new terms.
Q: Will both plans be purchaseable online in 2025?
Yes, you are able to purchase both Manipalcigna Prime Active and Niva Bupa Aspire Titanium policies online at authorised insurance market places and reputed insurers portals.
A: Does Niva Bupa Aspire Titanium cover pregnancy or babies?
Add-ons Maternity and newborn benefits do exist with a few waiting periods which are best discussed during the purchase period.
Q: Waiting period on pre-existing diseases?
The length of the pre existing conditions waiting period is 2-3 years on both plans though depending on underwriting and add-ons this may be different.
Q: Does it have co-payment or sub-limit on ICU/room rent?
Both plans are free of co-payments or sub limits on room rent and ICU as subject to policy wordings.
Q: What is more appropriate to the senior citizens?
Manipalcigna Prime Active can be a little cheaper to the seniors, but Aspire Titanium offers greater coverage in terms of OPD and global coverage.
To conduct additional research and product terms, visit the official websites of the insurers or the reliable financial advisory portal to get unbiased information.
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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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