Insurance Plans Comparison
ManipalCigna ProHealth Prime Active vs Niva Bupa Health Assurance
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
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ProHealth Prime Active
Cover asthma, diabetes, hypertension, dyslipidaemia and obesity after 90 days, restore the sum insured for unrelated illnesses, and add a 10% cumulative bonus each year up to 100%.
What Makes It Special:
ProHealth is designed for those who want comprehensive coverage without restrictions. It offers extensive coverage for modern treatments and innovative features.
Best For:
- Not available
VS
Health Assurance
Choose a listed critical-illness lump sum, accident cover and daily hospital cash as fixed benefits you can combine, with hospital cash paid for each day in hospital up to 45 days a year.
What Makes It Special:
Health Assurance is a Niva Bupa family plan made up of three separate covers. CritiCare pays a lump sum for listed critical illnesses. HospiCash pays a fixed daily cash amount during hospitalisation. AccidentCare pays for accidental death, permanent disability and temporary disability.
Best For:
Buyers who want lifelong renewal on all three covers
Parents who want child education benefits paid on an accidental death or permanent disability of the proposer
Working adults who want accident death, disability and income-loss cover
Buyers who want daily cash to cover incidental costs during a hospital stay
Families who want a lump sum if a listed critical illness is diagnosed
Insurance Plans Comparison
Get Personalized Advice
Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.
Quick Decision Guide
Not available
The sum insured for AccidentCare and TTD is linked to annual income, so check the limits against your income.
Only 2 adults can be covered under a CritiCare family option, so check this before buying for a larger family.
AccidentCare has no waiting period, but it is available only to Risk Class 1 and 2 occupations, with a 50% loading for Risk Class 2.
HospiCash pays a fixed daily amount for up to 45 days a year, so it does not reimburse hospital bills.
CritiCare does not start for 90 days, and a 36-month PED wait applies, so buy early if you have a condition.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
ProHealth Prime Active Health Insurance Plan VS VS |
Health Assurance Health Insurance Plan |
| Room Rent |
|---|
ProHealth Prime Active For Sum Insured ₹3 Lakh & ₹5 Lakh: 1% of Sum Insured per day; For Sum Insured ≥ ₹7.5 Lakh: Single Private AC Room Up to Sum Insured |
VS VS |
Health Assurance Normal: Covered up to Sum Insured ICU: Covered up to Sum Insured |
| Advanced Treatments |
|---|
ProHealth Prime Active Modern & Advanced Treatments covered |
VS VS |
Health Assurance Modern Treatments covered up to Sum Insured |
| ICU Charges |
|---|
ProHealth Prime Active Information Unavailable |
VS VS |
Health Assurance Under HospiCash, the ICU cash benefit is double the daily cash benefit for ICU stays, up to 7 days a year. |
| Co-payment |
|---|
ProHealth Prime Active 10% co-payment per claim |
VS VS |
Health Assurance Optional co-payment available |
| Waiting Period |
|---|
ProHealth Prime Active 30 days 90 days for Diabetes, Hypertension, Asthma, Dyslipidaemia and Obesity; 24 months for all other pre-existing conditions 24 months |
VS VS |
Health Assurance Information Unavailable |
| Cashless Healthcare Providers |
|---|
ProHealth Prime Active Not mentioned — verify from policy wordings |
VS VS |
Health Assurance 10,000+ Network Hospitals |
| Daycare Treatment |
|---|
ProHealth Prime Active Covered up to Sum Insured |
VS VS |
Health Assurance Covered |
| Cumulative Bonus |
|---|
ProHealth Prime Active Information Unavailable |
VS VS |
Health Assurance AccidentCare renewal benefit: the sum insured rises by 5% for each claim-free year, up to a total of 25%. Applies to all AccidentCare benefits except TTD and accident hospitalisation. |
| AYUSH Treatment |
|---|
ProHealth Prime Active Covered up to Sum Insured |
VS VS |
Health Assurance Covered up to Sum Insured |
| Consumable Cover |
|---|
ProHealth Prime Active Information Unavailable |
VS VS |
Health Assurance Please refer to the policy wording. |
| Initial Waiting Period |
|---|
ProHealth Prime Active Information Unavailable |
VS VS |
Health Assurance CritiCare: 90 days. HospiCash: 30 days, except accidents. AccidentCare: none. |
| Specific Waiting Period |
|---|
ProHealth Prime Active Information Unavailable |
VS VS |
Health Assurance HospiCash only: 24 months for 17 listed conditions and procedures |
| PED Waiting Period |
|---|
ProHealth Prime Active Information Unavailable |
VS VS |
Health Assurance 36 months for CritiCare and HospiCash |
| Modern Treatment |
|---|
ProHealth Prime Active Information Unavailable |
VS VS |
Health Assurance Not covered as a separate benefit. AccidentCare Hospitalisation covers surgery, room rent and related costs for accidental injury up to 2% of the AccidentCare sum insured. |
| Annual Health Checkup |
|---|
ProHealth Prime Active Information Unavailable |
VS VS |
Health Assurance Kindly refer to the policy wording. |
| Post-Hospitalisation |
|---|
ProHealth Prime Active Information Unavailable |
VS VS |
Health Assurance Kindly refer to policy wording. |
| Outpatient Department Cover (OPD Expense) |
|---|
ProHealth Prime Active Information Unavailable |
VS VS |
Health Assurance Not covered. |
| Deductible Option |
|---|
ProHealth Prime Active Information Unavailable |
VS VS |
Health Assurance Kindly refer to the policy wording. |
| Coverage Options |
|---|
ProHealth Prime Active Information Unavailable |
VS VS |
Health Assurance AccidentCare (individual or family, with optional TTD and accident hospitalisation), CritiCare (individual or family floater, Option 1 lump sum or Option 2 lump sum with staggered payout), HospiCash (individual or family, daily cash). |
| Claim Settlement Ratio |
|---|
ProHealth Prime Active Information Unavailable |
VS VS |
Health Assurance Claim Settlement Ratio (CSR) of 93.3% as a three-year IRDAI weighted average, and 95.6% in recent quarterly company disclosures (Q1 FY 2026-27). |
Insurance Plans Comparison
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24/7 Claim Assistance
Get a dedicated expert managing your claim end-to-end, from hospital admission to approval, including dispute resolution and support
What Our Experts Help You With
Personalised Recommendations
Every suggestion is backed by expert analysis of your life stage, goals, and budget
Expert-Led Policy Review
We decode the fine print—identifying risks, sub-limits, and gaps you may have missed. No surprises later
Smart, Tech-Enabled Experience
From digital onboarding to real-time claim tracking, our platform makes insurance easy, accessible, and stress-free
Insurance Plans Comparison
Explore Insurance Category
Senior Citizen Health Plan
Secure against age-related medical costs
Tailored for seniors healthcare needs
Most Popular
Family Health Plan
One policy covers the entire family
High sum insured with cashless care
Multiple coverage options based on your family needs
Maternity Health Plan
Covers delivery, newborn care, and maternity expenses
Reduces financial stress of childbirth costs
Insurance Plans Comparison
Frequently Asked Questions (FAQs)
Having questions? We've got answers. Explore our FAQs to find the information you need.
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