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Last updated on: August 7, 2025
The ManipalCigna Prime Active Plan and Niva Bupa Health Premia Plan are comprehensive health insurance offerings catering to diverse healthcare needs. ManipalCigna Prime Active is known for its robust wellness benefits, global coverage for specific critical illnesses, and features like unlimited restoration of the sum insured. It is especially suited for health-conscious individuals seeking preventive care and international treatment options. In contrast, Niva Bupa Health Premia offers broad coverage, including maternity and newborn benefits, worldwide hospitalization, and high sum insured options up to ₹3 crore, making it ideal for families or individuals who want expansive protection, including international coverage and luxury room rent. Ultimately, ManipalCigna is best for those prioritizing wellness and critical illness cover, while Niva Bupa suits those desiring generous sum insured and comprehensive family benefits.
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Do you compare the Manipalcigna Prime Active Plan with Niva Bupa Health Premia Plan of your family or yourself? The need to make a correct health insurance choice in India has never been as important, particularly in 2025, when the variants, diseases, and medical inflation are continuously increasing. Manipalcigna Prime Active Plan and Niva Bupa Health Premia Plan are now popular due to their distinguished benefits, expansive cashless networks and customisations. This can be browsed in this in-depth write-up that presents your decision-making requirement in a clear, research-supported, side-by-side analysis.
Manipalcigna Prime Active Plan is an up-to-date health insurance policy by Manipalcigna with special emphasis on the both young and the old. It has received fame due to wellness benefits, large sum insured, and extensive network of hospitals.
Health Premia Plan by Niva Bupa is, however, a flagship policy that has international cover, maternity, and critical illness benefits. It covers both big families and sophisticated treatment at the best in the market hospitals.
Did you know?
Most recent IRDAI data indicate that in 2025, more than 40 percent of new health insurance purchasers will be focusing on global coverage and wellness reward plans. This indicates the shifting preferences of the customers as far as hospital bills are not the only ones.
The major characteristics of the two health insurance are shown below. Being aware of these will make you realize what is really important to your health requirements in 2025.
Experts claim: The cashless hospital networks make over half of the purchasing decisions of the urban policyholders. The larger the network the faster the settlement of claims when dealing with real emergencies.
| Characteristic | Manipalcigna Prime Active Plan | Niva Bupa Health Premia Plan |
|---|---|---|
| Sum Insured Range | 3 lakh - 1 crore | 5 lakh - 3 crore |
| Cashless Hospitals | 8000+ | 10000+ |
| Entry Age | 91 days - No maximum | 91 days - No maximum |
| Wellness Benefits | Yes (point and premium discounts) | Yes (fitness and health benefits) |
| Room Rent Limit | No sub-limit | No sub-limit |
| International Treatment | No | Yes (above 1 crore sum insured) |
| OPD Expenses | Yes (optional) | Yes |
| Maternity & IVF | Yes (waiting) | Yes (maternity + IVF) |
| Preexisting Disease Wait | 3 to 4 years | 2 to 4 years |
| Restoration Benefit | Yes, unlimited | Yes, unlimited |
Coverage of pre-existing medical conditions, newborn and maternity features, and the ability to add more members are some of the fundamental factors to consider when selecting health insurance in 2025 to cover your family.
A Bengaluru family experienced complications of COVID-19. The flexibility of room rents in the Manipalcigna plan prevented the arbitrary decline at one of the leading hospitals. But, their overseas friends were fond of Niva Bupa because it is worldwide in cases of travel emergencies.
The value of premiums usually varies on your sum insured, location, age, and add-ons.
| Insurer | Annual Premium (Approximate) | Co-pay/Deductible |
|---|---|---|
| Manipalcigna | ₹23,000 - ₹26,000 | Nil at standard, 10–20% at older ages |
| Niva Bupa | ₹25,000 - ₹28,000 | Nil standard, 20% above age 65 |
Did you know?
Wellness rewards for buyers under 35 in 2025 can lower renewal premiums by 8–10% if healthy habits are maintained.
People Also Ask
Q: Does Niva Bupa or Manipalcigna have a quicker claim settlement?
A: Niva Bupa leads in international emergencies. Both are quick in India.
Professional Tip: Always read policy wordings to check exclusions. For example, Niva Bupa’s international cover applies only above ₹1 crore sum insured and with prior approval.
Web aggregators make comparisons easier:
People Also Ask
Q: Can you port or switch these policies?
A: Yes, as per IRDAI guidelines, portability preserves waiting period credits.
Did you know?
Over 65% of health insurance renewals in 2025 are completed online via e-KYC and digital documentation.
Recommendation: Always check your preferred hospitals in the insurer’s cashless network, compare premiums, and review customer experiences before purchase.
Q: Do both policies have international cover in 2025?
A: Only Niva Bupa Health Premia Plan offers it, above ₹1 crore sum insured.
Q: Which plan has superior wellness rewards?
A: Both offer wellness programs, but Manipalcigna gives higher premium discounts on tracked healthy behaviour.
Q: Can I choose any room in both plans?
A: Yes, no restrictions on room type.
Q: Which insurer settles more claims?
A: Both are high; Niva Bupa has an edge on international claims.
Q: How long is the waiting period for maternity cover?
A: 24–36 months in both. Check latest brochures.
Q: How do I compare these plans for my city?
A: Use online portals to check premiums, hospital networks, and customer reviews.
Read the policy brochure carefully, ensure your chosen hospitals are covered under cashless facilities, and select add-ons according to family health history and lifestyle. Multi-company online comparisons guarantee the best match for your 2025 needs.
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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