Health Insurance comparison
Manipal Cigna vs Royal Sundaram
Manipal Cigna and Royal Sundaram are evenly matched overall. The right pick depends on the dimensions you weight most.
IRDAI figures side by side
| Measure | Manipal Cigna | Royal Sundaram |
|---|---|---|
| Claim settlement ratio (latest year)Claims paid out of claims decided, by number. 95% or more is strong; below 90% is a flag. | 93.71% in FY 2024-25 | Not available |
| Claims counted in that yearBelow 1,000 claims, the ratio swings too much to compare. Each insurer's review names the exact IRDAI table used. | 4,88,416 reported, 4,58,566 paid | Not available |
| Three-year average claim settlement ratioShown only when all three years are available. | 90.87% | Not available |
| Incurred claims ratioClaims incurred as a share of premium earned, from IRDAI's Annual Report. | 73.31% in FY 2024-25 | 97.20% in FY 2024-25 |
| Complaints to IRDAIGrievances reported, from IRDAI's Handbook. | 2,041 in FY 2024-25, 41.8 per 10,000 claims | 1,052 in FY 2024-25, 28.4 per 10,000 claims |
| Solvency ratioIRDAI's minimum is 1.50. | 1.76 at 31 Mar 2025 | 2.20 at 31 Mar 2025 |
Sources: IRDAI Handbook on Indian Insurance Statistics 2024-25, IRDAI Annual Report 2024-25 and insurers' NL-37 public disclosures. Each insurer's review lists the exact table and link. See how we calculate these.
Side-by-side scores
| Dimension | Manipal Cigna | Royal Sundaram | Winner |
|---|---|---|---|
| Overall score | 7.7/10 | 7.7/10 | Tie |
| Claim settlement | 7.4/10 | 7.4/10 | Tie |
| Value | 7.7/10 | 7.8/10 | Royal Sundaram |
| Customer service | 7.5/10 | 7.5/10 | Tie |
| Digital experience | 7.6/10 | 7.5/10 | Manipal Cigna |
| Flexibility | 8.4/10 | 8/10 | Manipal Cigna |
Manipal Cigna
7.7/10Flexible health insurer with strong plan variety; compare restoration and add-ons carefully.
Pros
- Wide plan menu
- Strong hospital network
- Useful senior and global-cover options
Cons
- Many variants can confuse buyers
- Some benefits depend on add-ons
- Restoration rules differ by plan
Royal Sundaram
7.7/10Private insurer with strong Lifeline plans and good family-cover choices.
Pros
- Strong Lifeline lineup
- High-cover Elite option
- Good listed hospital network
Cons
- Global benefits may add cost without everyday value
- Classic variant can be too small
- Health claim settlement ratio not yet verified; FY 2024-25 health ICR was 97.2% (IRDAI Handbook Table 62)
The verdict
On our scoring, Manipal Cigna and Royal Sundaram are neck and neck. Decide by the dimensions you care about most, then confirm the specific plan or card wording.