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Last updated on: August 7, 2025
The ManipalCigna Prime Active Plan and the Niva Bupa Health Reassure Plan are both popular health insurance options but differ in key aspects. ManipalCigna Prime Active offers tailored benefits for different life stages, a high no-claim bonus (up to 200%), and affordable premiums, making it ideal for individuals seeking flexibility and value. In contrast, Niva Bupa Health Reassure provides unlimited reinstatement of the sum insured, comprehensive coverage for modern treatments, and offers additional perks like health checkups and wellness rewards. While ManipalCigna is suited for those wanting customizable and cost-effective plans, Niva Bupa is preferable for families or individuals seeking broad protection and long-term value. The optimal choice depends on budget, coverage needs, and desired features. Comparing policy details side-by-side is crucial to make an informed decision.
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Selecting the most preferred health insurance program is one of the most important choices to make, particularly due to the rising cost of medicine and the emerging knowledge of an all-inclusive health insurance. India Two of the most popular health insurance policies in the year 2025 are the Manipalcigna Prime Active Plan and the Niva Bupa Health Reassure Plan. This guide provides an in-depth exploration of their features, advantages and disadvantages, and practical suitability – assisting you in making the most informed choice on which policy best fits your personal needs.
Manipalcigna Prime Active and Niva Bupa Health Reassure are both designed to provide financial security in wide coverage, wellness and prompt claims payment. The convenient benefits, competitive rates, and added value services have made them preferred among the family, young professionals, and senior citizens.
With the backdrop of inflation, the growing prevalence of lifestyle diseases, and the health care demands of 2025, it is high time and very important to compare the two insurance policies with each other.
| Feature | Manipalcigna Prime Active Plan | Niva Bupa Health Reassure Plan |
|---|---|---|
| Sum Insured Range (2025) | INR 5 lakh to INR 3 crore | INR 5 lakh to INR 3 crore |
| Entry Age Policy | 91 days to 65 years (lifetime renewal) | 91 days to 65 years (lifetime renewal) |
| Day Care Procedures | All covered | All covered |
| Pre and Post Hospitalisation | 60 days pre, 180 days post | 60 days pre, 180 days post |
| Rehab & OPD | Add-on (included only in some variants) | Covered |
| Home Care Treatment | Yes | Yes |
| Chronic Disease Management | Yes, including special wellness programs | Yes, and automatic sum restore benefit |
| No Claim Bonus | 0 to 200 percent of SI | 50 percent annually of each claim, to 100 percent of SI |
| Room Rent Restriction | None, it is a single private room covered | None |
| Unlimited Refill/Restoration | Unlimited restoration | Unlimited restoration |
| Waiting Period (Pre-existing) | 24 to 36 months (depends on illness) | 36 months |
| Wellness/Rewards | Cashless wellness, high engagement | Health checks and reward points |
| Maternity Benefit | Not included in base plan and offered as option rider; waiting period is applicable | Same restrictions |
Did you know? IRDAI data revealed (2024-2025) that the customer satisfaction rating of the plans that had a strong wellness program was 30 percent higher than the traditional health covers.
Manipalcigna Prime Active 2025 is a holistic program that is aimed at protecting health, particularly chronic illnesses and managing lifestyle diseases.
Real-World Illustration:
Rita is a 38 years old working woman living in Bangalore and was diagnosed with Type 2 diabetes in early 2024. She chose Manipalcigna Prime Active in terms of its chronic cover. Her wellness benefits allowed her to visit nutritionists and saved her more than INR 10,000 of health examinations last year.
Niva Bupa Health Reassure Plan has become popular due to its automatic restore cover, claims that are hassle free and strong family floater cover.
Case Study Example:
The Khan family of Delhi was in a medical crisis because Mr. Khan underwent a heart surgery. Their Niva Bupa plan gave an immediate restoration of the sum insured that allowed Mrs. Khan to have her cancer treatment within the same policy year – without extra premium.
Pros:
Cons:
Pros:
Cons:
Both schemes include AYUSH treatments, but hospital and sum insured limit are always to be checked.
Expert Advice:
Never withhold any of your medical information and read the paperwork to avoid exceptions. Of even the most brilliant plans there might be disease-specific or treatment-specific cap that is not brought to the fore in marketing brochures.
| Demographic | Best Choice | Why |
|---|---|---|
| Single Individuals | Manipalcigna (the chronic health module which is very popular amongst Gen Z office goers) | Disease management and wellness emphasis |
| Families | Niva Bupa Health Reassure Plan | Unlimited restore covers a variety of claims |
| Senior Citizens | Manipalcigna Prime Active Plan (lifelong renewability + wellness) | High risk and lifestyle diseases are covered |
| Maternity Seekers | Both (but keep in mind add-ons and waiting periods) | It is necessary to verify particular terms |
Real-World Use Case:
Vikas, a 43 year old father of two availed the restore benefit of Niva Bupa when both his children had to be hospitalised within one year, in dengue and viral fever – cover was uninterrupted.
| Process | Niva Bupa Health Reassure | Manipalcigna Prime Active |
|---|---|---|
| Cashless Network Hospitals | 6000+ | 7000+ |
| Digital Claims Submission | Yes, through app and portal | Yes, through app |
| Claim Settlement TAT (2025) | Less than 20 days (avg.) | Less than 18 days (avg.) |
| Available Customer Support | 24/7 (live chat) | Yes (phone, chat, WhatsApp) |
People Also Ask: Which is quicker at the hospital?
Both have strong cashless services, and the claim settlement time of Niva Bupa is a little bit shorter than the industry data of 2025.
Premiums vary according to age, sum insured, location and family size. For illustration:
| Age/Family Type | Manipalcigna (INR 10L SI) | Niva Bupa (INR 10L SI) |
|---|---|---|
| 30-year-old individual | ₹9100 | ₹8900 |
| 2 adults + 1 child | ₹18,250 | ₹17,600 |
| 2 adults + 2 parents | ₹41,200 | ₹39,800 |
Niva Bupa has a competitive price on the family floaters, whereas the premiums of Manipalcigna are based on its wellness and chronic support network.
Did You Know?
In 2025, 52 percent of new policy buyers compare premium quotes, riders and add-ons live online in insurance marketplaces across multiple insurers.
People Also Ask: Can add-ons be made subsequently in policy tenure?
Riders can be added at renewals, on the basis of underwriting and waiting periods.
To simplify the process, you may refer to online sources that allow side-by-side comparisons in terms of coverage, premium, add-on flexibility, and claim settlement ratios and thereby make your purchasing experience quicker and clear.
The introduction of AI-based claim processing and telehealth tools in 2024 increased the customer convenience by up to 38 percent, according to industry analysts.
Q. Which is a superior plan to chronic disease management?
A. Manipalcigna Prime Active has an in-built chronic disease module, and would be more appropriate when you already have diabetes, hypertension, etc.
Q. Is I eligible to avail maternity cover at day one?
A. No, maternity (mostly 24-48 months) is a waiting period under both plans. Add-ons on maternity: look at the waiting period.
Q. What is automatic restore and its importance?
A. Automatic restore – This is where your coverage is started again after a claim so that you have more cover under the same policy time.
Q. What is the insurer with the quickest 2025 claims?
A. The average claim settlement time of Niva Bupa is a little better according to recent annual reports of IRDAI.
Q. Is it an included feature of routine checkups and OPD?
A. Both plans are routine with OPD being an optional rider and health checkups. The OPD module of Manipalcigna is more solid.
Q. Which is the best health insurance that I can buy with my family?
A. Look at trusted online comparison websites that provide information on specifications, inclusions, premium calculators, and recent claims – so your judgment is informed and quicker.
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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