Insurance Plans Comparison
Niva Bupa Health Assurance vs ManipalCigna ProHealth Accumulate
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
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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
VS
ProHealth Accumulate
Carry forward a health maintenance benefit for outpatient and inpatient care, add 5% to any unused balance, and put up to half of it toward renewal premium, plus a guaranteed 5% cumulative bonus up to 200%.
What Makes It Special:
ProHealth focuses on providing essential health coverage at an affordable premium. It's designed for budget-conscious individuals who want reliable coverage.
Best For:
- Not available
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
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.
Not available
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Health Assurance Health Insurance Plan VS VS |
ProHealth Accumulate Health Insurance Plan |
| Room Rent |
|---|
Health Assurance Normal: Covered up to Sum Insured ICU: Covered up to Sum Insured |
VS VS |
ProHealth Accumulate Normal: Single Private AC Room ICU: Up to Sum Insured |
| Advanced Treatments |
|---|
Health Assurance Modern Treatments covered up to Sum Insured |
VS VS |
ProHealth Accumulate Sum Insured below ₹5 Lakh: Covered up to 50% of Sum Insured Sum Insured ₹5 Lakh and above: Covered up to Sum Insured |
| ICU Charges |
|---|
Health Assurance Under HospiCash, the ICU cash benefit is double the daily cash benefit for ICU stays, up to 7 days a year. |
VS VS |
ProHealth Accumulate Information Unavailable |
| Co-payment |
|---|
Health Assurance Optional co-payment available |
VS VS |
ProHealth Accumulate Not mentioned |
| Waiting Period |
|---|
Health Assurance Information Unavailable |
VS VS |
ProHealth Accumulate Initial Waiting Period: 30 Days Pre-existing Disease Waiting Period: Sum Insured up to ₹5 Lakh: 36 Months Sum Insured ₹7.5 Lakh and above: 24 Months Specific Disease/Procedure Waiting Period: 24 Months Bariatric Surgery Waiting Period: 36 Months Maternity & Infertility Waiting Period: 36 Months |
| Cashless Healthcare Providers |
|---|
Health Assurance 10,000+ Network Hospitals |
VS VS |
ProHealth Accumulate Not mentioned |
| Daycare Treatment |
|---|
Health Assurance Covered |
VS VS |
ProHealth Accumulate Covered up to Sum Insured |
| Cumulative Bonus |
|---|
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. |
VS VS |
ProHealth Accumulate Information Unavailable |
| AYUSH Treatment |
|---|
Health Assurance Covered up to Sum Insured |
VS VS |
ProHealth Accumulate Covered up to Sum Insured |
| Consumable Cover |
|---|
Health Assurance Please refer to the policy wording. |
VS VS |
ProHealth Accumulate Information Unavailable |
| Initial Waiting Period |
|---|
Health Assurance CritiCare: 90 days. HospiCash: 30 days, except accidents. AccidentCare: none. |
VS VS |
ProHealth Accumulate Information Unavailable |
| Specific Waiting Period |
|---|
Health Assurance HospiCash only: 24 months for 17 listed conditions and procedures |
VS VS |
ProHealth Accumulate Information Unavailable |
| PED Waiting Period |
|---|
Health Assurance 36 months for CritiCare and HospiCash |
VS VS |
ProHealth Accumulate Information Unavailable |
| Modern Treatment |
|---|
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. |
VS VS |
ProHealth Accumulate Information Unavailable |
| Annual Health Checkup |
|---|
Health Assurance Kindly refer to the policy wording. |
VS VS |
ProHealth Accumulate Information Unavailable |
| Post-Hospitalisation |
|---|
Health Assurance Kindly refer to policy wording. |
VS VS |
ProHealth Accumulate Information Unavailable |
| Outpatient Department Cover (OPD Expense) |
|---|
Health Assurance Not covered. |
VS VS |
ProHealth Accumulate Information Unavailable |
| Deductible Option |
|---|
Health Assurance Kindly refer to the policy wording. |
VS VS |
ProHealth Accumulate Information Unavailable |
| Coverage Options |
|---|
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). |
VS VS |
ProHealth Accumulate Information Unavailable |
| Claim Settlement Ratio |
|---|
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). |
VS VS |
ProHealth Accumulate Information Unavailable |
Insurance Plans Comparison
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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
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Frequently Asked Questions (FAQs)
Having questions? We've got answers. Explore our FAQs to find the information you need.
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