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Last updated on: August 7, 2025
The ManipalCigna Prime Active Plan and Niva Bupa Go Active Plan are both popular health insurance policies tailored for individuals seeking comprehensive health coverage in India. The ManipalCigna Prime Active Plan stands out with features like worldwide emergency cover, unlimited restoration of sum insured, and high no-claim bonuses, making it ideal for those looking for extensive protection and value-added services. In contrast, the Niva Bupa Go Active Plan is designed for affordability and wellness, offering daily health coaching, low waiting periods, and built-in OPD and diagnostic benefits, targeting young and first-time buyers. While both plans cover hospitalization and major illnesses, ManipalCigna is better suited for those wanting broader benefits, whereas Niva Bupa excels in preventive care and wellness features. Choosing between them depends on individual priorities—comprehensive coverage versus affordable, wellness-focused insurance.
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Speaking of the selection of a health-insurance plan in India, two giants are prominent in 2025 Manipalcigna Prime Active Plan and Niva Bupa Go Active Plan. They both have strong cashless hospitalisation, wellness coverage and family cover. But what are the real-life comparisons of these health insurance products, their pricing, features and their applicability to different individuals and families this year? This easy to follow, human written review will make you see everything you need to make an informed decision.
The right health insurance policy has become more critical than ever before to the Indian consumers as life becomes unpredictable. Individuals seek a total hospitalization insurance cover, wellness programs, teleconsultation, and a rapid claims settlement procedure. Manipalcigna Prime Active and Niva Bupa Go Active plans both position themselves as active and health-conscious plans packed with wellness, digital health benefits, and a support process that runs smoothly.
Did you know? The number of Indian policy-seekers visiting online marketplaces to compare and buy health insurance to make a purchase is projected to be above 45 percent by 2025 as a result of an increasing demand to compare health insurance before purchasing.
The Prime Active Plan is a new generation health insurance product that has been launched by Manipalcigna Health Insurance, a joint venture between the well-known Manipal Group and Cigna Corporation, to suit the current lifestyle.
Pros:
Cons:
People also ask:
Does Manipalcigna Prime Active Plan include home treatments?
Yes, cover advanced plans include some treatment at home, with policy terms.
Another reputable company in the business is Niva Bupa, which was previously Max Bupa. Go Active Plan designed to accommodate younger families and people with busy lifestyles seeking all round cover.
Pros:
Cons:
Did you know?
A lot of families are now looking at health insurance using true customer ratings and web based comparisons, which can assist you in identifying pragmatic variations of similar plans in a short time.
We can already directly compare the two policies with the must-have factors in 2025:
| Feature | Manipalcigna Prime Active | Niva Bupa Go Active |
|---|---|---|
| Sum insured Range | 5 lakh - 1 crore | 2 lakh -25 lakh |
| Entry Age | 91 days to 65 years | 91 days to 65 years |
| Network Hospitals | 8500 plus | 8000 plus |
| Wellness Benefits | Wellness coaching, rewards | OPD, nutrition, fitness coach. |
| OPD Cover | Yes (choose versions) | Yes (base plan and higher plans) |
| Restore Benefit | Unlimited | Sum insured (upto 100 percent). |
| No Claim Bonus (max) | 200 percent | 100 percent. |
| Air Ambulance | Extra (with higher amount) | Extra (select) |
| Maternity Cover | Yes (following the waiting period) | Yes (select plans) |
| Premium (Indicative) | Starts INR 7,200 p.a. | Starts INR 5,800 p.a. |
People also ask:
What will be the best health insurance plan to take OPD cover in 2025?
Opd cover is now included in both plans and Niva Bupa Go active includes in its basic plan whereas Manipalcigna includes more in its higher plans.
The new-age product offered by Manipalcigna is appropriate in the case of:
Experts insight:
Health advisors of 2025 suggest that before opting to buy a policy, you need to review your needs on sum insured in the light of prevailing medical inflation and urban health expenditures.
Niva Bupa Go Active Plan is best suited:
Did you know?
In most insurance companies, the customers can now upgrade their plan online where there has been a change in lifestyle or increase in a family size without much paper work.
Take the case of Priya, 38-year-old IT manager in Bengaluru. She contrasted the two plans with an online marketplace in 2025. The family chose Manipalcigna Prime Active with a wider reach of hospitals and unlimited restoration since she has some aged parents to pay. Her friend, Rahul is a 30-year-old gym trainer and chose Niva Bupa Go Active because of its daily wellness, fitness coaching, and reasonable premiums that would fit his urban lifestyle.
People also ask:
Is it possible to add sum insured in the middle of the term in such plans?
Yes both will permit top-ups or upgrade on renewals, as long as no major claim has been made.
Mrs. Mehta had to be hospitalised urgently last year in Delhi on a family trip. In her Manipalcigna Prime Active Plan, 95 percent of her cashless claim was paid in 28 minutes at a network hospital. The Niva Bupa Go Active Plan offered by her husband that includes OPD and teleconsultations was useful in the follow-up physiotherapy of her husband after discharge. This experience points out the way in which the two policies change in the actual emergencies as well as recovery.
Thousands now visit online market places which show a list of insurers alongside which they can filter by sum insured, premium, features, add-ons and even hospital network in city. It saves time, avoids confusion, and makes more empowered, data-driven decisions.
Experts insight:
Search plans that are ranked high in terms of speed and transparency in claim settlement. It is possible to check the user reviews regarding their experience during the claim procedures to avoid frustration in the future.
Which is a better plan between Manipalcigna Prime Active and Niva Bupa Go Active in terms of maternity benefits in 2025?
Both schemes include maternity and newborn coverage, but the top-tier schemes in Manipalcigna cover offer more limits and expanded benefits to the newborns.
In 2024-25, what is the claim settlement ratio of both plans?
Manipalcigna claims to settle more than 90 percent of cashless claims in 30 minutes. Niva Bupa also demonstrates high efficiency, and in the majority of cases, most of the claims are handled electronically in a matter of hours.
Do the plans have a co-payment?
Both plans have basic options which do not have co-pay in individuals below 60. Optional co-pay may have higher ages or special cases on basis of premium discount.
Are NRIs allowed to purchase or renew Manipalcigna Prime Active and Niva Bupa Go Active Plans in 2025?
Yes, both of the insurers enable qualified NRIs to buy and renew those policies, according to the conditions and KYC policies.
What is the comparison of these plans of senior citizen coverage?
The large sum insured and the restore benefits of Manipalcigna qualifies it to be more appropriate in joint family coverage with the seniors compared to the Niva Bupa plans which are applicable up to age 65 upon joining.
To limit this, always use an online insurance marketplace to compare premiums, add-on riders, network hospitals, and customer feedback in real time and make an appropriate and well-researched choice on behalf of your family health in 2025.
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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