ManipalCigna Health Insurance vs New India Assurance Company
On CSR alone: ManipalCigna leads with a higher claim settlement ratio in FY 2023-24. But CSR is one data point — also compare plans, premiums, and network before deciding.
ManipalCigna — Strengths
- +91.75% claim settlement ratio (2023-24)
- +Covers chronic disease management from day one
- +No sub-limits on room rent in top plans
- +Global emergency cover available
New India Assurance — Strengths
- +Oldest and largest public sector general insurer — government-backed
- +Mediclaim policy — one of India's most widely held health plans
- +Accepted at virtually all government and major private hospitals
- +Lower premiums compared to private sector equivalents
- +Floater policies available for families at competitive rates