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Last updated on: September 19, 2025
The ICICI Lombard Elevate Plan and ManipalCigna Prime Protect Plan are both comprehensive health insurance policies, but they differ in features and benefits. ICICI Lombard Elevate offers customisable coverage with key benefits like unlimited restoration, global hospitalization, and wellness rewards, making it suitable for those seeking flexibility and international protection. In contrast, ManipalCigna Prime Protect focuses on high coverage amounts, no room rent limits, and critical illness add-ons, making it ideal for broader in-India hospitalisation needs and value-added wellness services. Both plans provide cashless claims, pre- and post-hospitalisation cover, and family floater options, but the choice depends on individual requirements such as global cover, rider preferences, and premium budget. Overall, Elevate caters to those wanting global reach and modular add-ons, while Prime Protect stands out for its robust base cover and critical illness options.
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Health insurance will be a very significant component of financial planning in India as healthcare costs are on the increase in 2025. The ICICI Lombard Elevate Plan and Manipalcigna Prime Protect Plan have become two of the popular plans. Both of them provide holistic health covers that are individual and family-based, but with their advantages and differences. It is with this comparison that you are seeking to make an appropriate choice on a health plan.
Medical inflation, new diseases and changing lifestyles are some of the factors that make it important to have reliable health insurance. The decision between ICICI Lombard Elevate and Manipalcigna Prime Protect might be overwhelming due to the number of features offered by these two plans, flexible sum insured, and other specific benefits. You will be able to pick the plan that suits your needs by comparing their advantages and disadvantages, main features, as well as weaknesses.
Between the ICICI Lombard Elevate and Manipalcigna Prime Protect, which one would be better than the other in terms of providing families with the best services?
The two have family plans but vary in terms of value-adds such as wellness coverage and the coverage scope.
The Elevate Plan offered by ICICI Lombard is a wellness-based and high value coverage product that is aimed at urban Indians. This program can be chosen by people who want contemporary treatment with the involvement of technologies.
Both Manipalcigna Prime Protect Plan is targeted at all ages, is flexible and strong on essential covers.
Did you know?
The unlimited nature of the restoration of Manipalcigna comes in handy especially when there are several hospitalization the same year.
The following is an elaborate comparison table to bring out their differences and similarities:
| Feature/ Benefit | ICICI Lombard Elevate | Manipalcigna Prime Protect |
|---|---|---|
| Sum Insured (2025) | 5 lakh to 1 crore | 3 lakh to 1 crore |
| Pre-hospitalization | 60 days | 60 days. |
| After discharge of a patients in a hospital | 180 days | 180 days |
| Restore Benefit | Up to 100 percent (remitted once a year) | Unlimited occasions. |
| Wellness Rewards | Yes | Yes (Health Coach etc.) |
| Room Rent Limit | No limit in higher variants | None whatsoever. |
| Modern/Advanced Treatment | Covered | Covered. |
| OPD/Day Care | Yes | Yes |
| Network Hospitals (Jan 2025) | 7,500 plus | 8,500 plus |
| Mental Health | Included | Included. |
| Critical Illness | Rider Option/Included/Rider Option. | |
| International Coverage | Selective Rider | Only on selected illnesses. |
| Maternity/Newborn | Add on | Included (waiting period) |
| No Claim Bonus | Yes, to 150 percent | Yes, to 200 percent. |
| Waiting Period (general) days | 30 days | 30 days |
| Annual Health Checkup | Included | Included |
Additional optional covers can be used to customize both plans, although Manipalcigna Prime Protect is deemed easier to tailor to the family needs, and ICICI Lombard Elevate to the individual-focused ones, such as wellness and overseas treatment.
Expert Insight:
According to insurance brokers in 2025, unlimited restoration will be a game changer to joint families who can require a back-to-back hospitalization.
Is room rent limit significant in health insurance?
Yes, a no room rent limit is an option that will allow you to take any type of room in the network hospital without out-of-pocket expenses.
Pros:
Cons:
Pros:
Cons:
Did you know?
No claim bonus value may build up and be applied in covering high hospital bills in the further years.
Age, location, sum insured, and optional covers are influencing factors on premiums. The following is an example of a comparison of a family of four (two adults aged 35, two children under 12, in 2025):
| Sum Insured | ICICI Lombard Elevate Premium | Manipalcigna Prime Protect Premium |
|---|---|---|
| Rs 10 lakh | Rs 19700 (without riders) | Rs 18900 (with unlimited restore) |
| Rs 25 lakh | Rs 29,200 (with wellness) | Rs 27,800 (with health coach) |
| Rs 50 lakh | Rs 44,500 (riders additional) | Rs 42,100 (with additions) |
Tablet premiums should be taken as an approximation of regular lives without co-pay, of policies purchased on the internet in 2025.
What will be the premiums in 2025 given the entry age?
The two plans demonstrate a sharp increase in premiums after age 45 years of entry hence it would be wise to buy them early.
These two plans have been changed to cover senior citizens with or without co-pay. Manipalcigna is preferred to have onboarding which is easy above 60 years old because of the customizable co-pay and restoration whereas ICICI Lombard is more preferable when digital health monitoring is important to elderly people.
Expert Insight:
As non-communicable diseases are on the increase among the elderly Indians, the high sum insured and unlimited restoration are vital decision factors among the elderly Indians.
When it comes to 2025, ICICI Lombard Elevate and Manipalcigna Prime Protect plans are good options in terms of full health insurance in India. Elevate is the best preferred by digitally conscious customers seeking wellness and reward capabilities, whereas Prime Protect is the best in family coverage, unlimited restoration, and customizable sum insured at an affordable price. The decision will be heavily based on individual vs family, digital services and comfort with added riders.
Q: Does either of the plans offer me maternity benefits?
Yes, however, as an addition to ICICI Lombard, and inbuilt after waiting period in Manipalcigna Prime Protect.
Q. Does it cover outpatient consultations?
The two plans provide outpatient cover as a rider or in more advanced ones.
Q: What is the coverage of AYUSH and alternative therapy?
Both plans cover AYUSH but the claim limits and network hospitals may vary.
Q: Does 2025 have a change in claim process in these insurers?
ICICI Lombard focuses on a digital process, whereas Manipalcigna has more hands-on telephonic support.
Q: Which one can more effectively support lifestyle disease management?
ICICI Lombard possesses a better wellness plan through its health reward plans and app.
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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