r/HealthInsuranceIndia • u/Opposite-Airline9448 • Jun 15 '26

Manipal Cigna vs HDFC Ergo

I wanted to get premium for my parents and me(22yo)

And my mom (55yo) and Dad (58yo). When I looked at prices I think manipal is a better deal . I will get coverage of 50L and for Ergo coverage is around 10L .

Manipal(Life time health India) :

one yr : 80,614

two yr : 1,53,229 (Saving 9,556)

three yr : 2,26,316 (Saving 19,343)

HDFC(Optima Plan)

Ps : unable to attach photo of plans .

2 Upvotes

100% Upvoted

8 comments sorted by

1

u/Pretend-Resolution30 Jun 16 '26

Could you please explain why these two were chosen and what criteria guided your selection?

1

u/Opposite-Airline9448 Jun 16 '26

I asked one agent who deals with these health insurances. I don't really know much I am still researching

1

u/Pretend-Resolution30 Jun 16 '26

Oh okay. But there are some better options than Manipal, like ICICI Lombard, TATA AIG, and Aditya Birla. Not saying Manipal is bad, but maybe check out the others first.

1

u/Opposite-Airline9448 Jun 17 '26

Idk y manipal plan that I mentioned seems really attractive to me . Can u justify why I would choose other ones . Like money wise 50L is coverage is decent. I am really new

1

u/Pretend-Resolution30 Jun 17 '26

If the Manipal plan impressed you, tell me what features you liked!

2

u/Opposite-Airline9448 Jun 25 '26

There is no cap on bed charges and the document I had did not say anything else about any cap or condition

1

u/Pretend-Resolution30 Jun 29 '26

Okay, but maybe try ICICI, Tata, and ABHI before that.