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Last updated on: September 19, 2025
The ICICI Lombard Elevate Plan and ManipalCigna Prime Active Plan are both comprehensive health insurance options, but they cater to slightly different needs. The Elevate Plan from ICICI Lombard offers flexible sum insured options, cashless hospital networks, and unique benefits like wellness rewards and unlimited teleconsultations. In contrast, ManipalCigna’s Prime Active Plan stands out for its extensive coverage from day one, including chronic illness management, mental healthcare, and OPD expenses. While both plans have robust coverage for hospitalization and pre/post-hospitalization, Prime Active scores higher for chronic disease and OPD benefits, whereas Elevate appeals with its flexible plans and preventive care features. Your choice depends on whether you prioritize chronic condition management and OPD (choose Prime Active) or wellness and flexibility (choose Elevate).
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One of the most common determinants in selecting health insurance in India lies in comparing such major plans as the ICICI Lombard Elevate Plan and the Manipalcigna Prime Active Plan. Both of them are 2025 popular policies, they both serve modern families and individuals who want a strong health coverage and value. This article gives a close comparison of these products in terms of features, advantages, disadvantages, and understanding in order to make a choice of the most suitable.
Health insurance is an essential aspect today in India considering the elevated medical expenses, growing lifestyle illnesses, and the changing hospital facilities. ICICI Lombard Elevate and Manipalcigna Prime Active are competitive plans as the two take a holistic approach that fits the present-day policyholder.
The two plans provide effective hospitalisation coverage, wellness rewards, network hospitals, and easy claim processes. But when you come down to specifics how they compare?
We are going to discuss the key advantages and benefits coverage of each plan.
Professional Analysis: Do you realize that most of the city Indian families in 2025 are planning higher sum insured plans exceeding 25 lakh rupees, primarily to cover up high-level hospital and critical illness treatments?
The two plans vary in the scope of coverage choices, claim benefits, and strength of the network. A lineup of analogy is as follows.
| Characteristic | ICICI Lombard Elevate | Manipalcigna Prime Active |
|---|---|---|
| Maximum Sum Insured | 50 lakh Rs | 1 crore Rs |
| Network Hospitals | 6000 plus | 8000 plus |
| Day care procedures | 500 and above | 600 and above |
| No-Claim/Cumulative Bonus | Up to 50 percent | 25 percent up to 200 percent |
| Restoration Benefit | 1 time a year | Unlimited, various illnesses |
| Pre and Post Hospitalisation | 60, 180 days | 60, 180 days |
| Wellness Programs | Reward points | Wellness coaching |
Both provide great cashless hospitalisation, however Manipalcigna provides much higher upper limit of sum insured and treatment in day care.
The Manipalcigna restore benefit is indefinitely which can be used in cases where there are multiple hospitalisations in the family.
Manipalcigna is stronger in its network, which is an advantage to the customers in the second and third cities.
Advantages:
Drawbacks:
The additional question is also: What is the claim settlement ratio of ICICI Lombard in 2025?
By this year, ICICI Lombard has a stable claim settlement ratio of more than 98 per cent which is evidence of reliable service and quick processing.
Advantages:
Drawbacks:
Did you know? In 2025, Manipalcigna was among the first firms to introduce unlimited restoration on non-related diseases that is proving to be a vital quality to Indian families in addressing complex medical conditions.
In 2025, the premiums will differ according to sum insured, age, place of residence, and the number of insured family members. The following is a representative comparison of a family floater policy of two adults (35 years) and one child (8 years) at a sum insured of 20 lakh rupees.
| Plan Name | Annual Premium (Approximate) |
|---|---|
| ICICI Lombard Elevate | 18,500 Rs |
| Manipalcigna Prime Active | 21,000 Rs |
Generally, ICICI Lombard is slightly cheaper in comparison to Manipalcigna.
The both plans premiums are higher with a greater sum insured or members.
Practical feedback is in terms of user reviews and scores on satisfaction.
The question people are also asking: Does that make hospitalisation hassle free with these insurers with no cash?
The cashless facilities in the two companies are effective but a pre-authorisation prior to the intended hospitalisation is always advisable to avoid time wastage.
Wellness plans and added-ons are also a major factor in deciding in 2025 in buying a health insurance.
Before buying, one should pay attention to policy exclusions and waiting periods.
Professional Viewpoint: Insurers are trying to minimize waiting time in some of the conditions particularly because more Indians are taking young adult cover before the major illnesses strike.
The insurers were both very digitised on their health claim processes by 2025.
Q1: What health plan will be more suitable to families having elderly citizens?
Manipalcigna prime active has a higher sum insured and provides unlimited restoration which is useful in large families such as the elders.
Q2: Do these two plans allow me to port my current policy in 2025?
Yes, both insurance permit portability provided that it is as per IRDAI regulations, continuous coverage, and intimation in time.
Q3: What is required to have the claims approved?
Normally, both claims, cashless and reimbursement, need insurer ID card, hospital bill, discharge summary, test report and treatment note.
Q4: Are such health insurance plans lifetime renewable?
Yes, the ICICI Lombard Elevate and Manipalcigna Prime Active plans are lifetime renewable so that one can have peace of mind.
Q5: Which plan has better OPD cover?
The benefits of OPD are offered as add-ons or riders on both plans, although the benefits offered by Manipalcigna are more customisable.
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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