Manipal Cigna Sarvah Param Health Insurance Plan

4.5

Paybima Rating

Finding a Health insurance plan that is carefully curated to meet your medical needs, given the medical inflation and rising medical expenses in the country, is no longer rocket science. However, if you still find it overwhelming to purchase a reliable health insurance plan, then ManipalCigna Sarvah Param is worth exploring as it is designed to promise a truly complete health insurance solution for all your needs.

ManipalCigna health insurance company has introduced its Sarvah health insurance product with multiple plans to meet the requirements of every individual. Let’s explore ManipalCigna Sarvah Param in detail.

Highlights of Manipal Cigna Sarvah Param

Sum insurance from ₹5 lakhs up to ₹3 crore.

Tatkal benefits for a zero waiting period.

Gullak benefits for getting 10x of the sum insured.

Surplus bonus for an additional 100% of the sum insured.

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ManipalCigna Sarvah Param: Highlights

For a detailed insight into the ManipalCigna Sarvah Param plan, take a look at the table mentioned below:

Particulars	Details
Policy Name	ManipalCigna Sarvah Param
Insurance Company	ManipalCigna Health Insurance
Policy Type	Available Options: Individual Family Multi Individual
Sum Insured	₹5 Lakhs to ₹3 Crore
Add-Ons	Available Options: Personal Accident Cover Sarathi Air Ambulance Surplus Benefit Pratiksha Voluntary Co-Payment
Claim Settlement Ratio	99% (as released in 2024 by the IRDAI)
Network Hospitals	15000+

Wish to Enhance Coverage? Take a Look at the Riders Available

The ManipalCigna Sarvah Param has a long list of base coverage that takes care of almost all your medical needs. However, if you wish to enhance the coverage and customise the policy as per your medical needs, then you can opt for the following riders on your existing policy.

Riders	Details
Sarathi	Under this rider, you can waive off the waiting period for pre-existing diseases and conditions like asthma, obesity, diabetes, hypertension etc. Coverage starts after 30 days of policy purchase.
Personal Accident Cover	Under this rider, the insured can get the following benefits: Up to ₹3 crore cover for accidental and permanent total or partial disability. Coverage of 200% of the opted sum insured if the insured suffers accidental death or permanent total disability.
Coverage for Non-Medical Items	Under this rider, the insured can get coverage for non-medical items and durable medical equipment.
Voluntary Co-Payment	Under this rider, the insured can opt for a copayment. Copayment means that the medical expenses incurred will be partially covered by the policyholder, and the remaining is paid by the insurance company.
Air Ambulance	Under this rider, the insured can receive coverage for air ambulance services up to the sum insured.
Surplus Benefit	Under this rider, the insured can receive an additional 100% of the sum insured from the first day of the policy year, for the first claim in each policy year.
Room Rent Modification	Under this rider, the insured is at liberty to choose any room or twin-sharing AC room category.

Features and Benefits of ManipalCigna Sarvah Param

The ManipalCigna Sarvah Param plan is designed to provide comprehensive protection for the diverse medical needs of every individual. From wholesome coverage to multiple exciting benefits, the plan has it all. Let’s take a look at the features and benefits of the ManipalCigna Sarvah Param plan:

Coverage for Every Individual

This health insurance plan has coverage for the medical needs of every individual. From hospitalisation expenses to coverage for expenses incurred on donors, road ambulance services, etc, the plan steps in as a helping hand. Additionally, through the restoration of the sum insured and a free health check, the insured can enjoy several other benefits.

Instant Protection Against Medical Risks

The waiting period under a health insurance plan often comes with certain drawbacks, especially if you want to file claims instantly. This is where a plan like ManipalCigna Sarvah Param comes into play, offering instant protection for multiple medical needs. Under the Tatkal benefit, the insurance company promises that you have absolutely zero waiting period to raise claims.

Exciting Benefits on Sum Insured

In addition to offering comprehensive coverage and instant protection, the policy also provides exciting benefits on the sum insured, which can help you significantly enhance your protection. Here’s what you should know:

Gullak Benefits: This guarantees up to 10 times the sum insured in additional coverage.
Surplus Benefit: Through this, you can get an additional 100% of the sum insured.
Unlimited Restoration: Through this, you can avail unlimited restoration of the sum insured within the policy year, whether it is for unrelated conditions or the same condition.

Streamlined Claim Settlement

While purchasing a health insurance plan, one thing that you must be mindful of is the claim settlement process. ManipalCigna health insurance company has an impressive claims and elements ratio of 99%. This comes with the promise that the chances of your claims being settled seamlessly are extremely high.

Discounts on Premiums

Imagine getting comprehensive coverage at affordable premiums. Sounds appealing, right? The ManipalCigna Sarvah Param plan offers affordable premiums and exciting discounts that you do not want to miss out on, like:

2.5% discount on the first policy renewal if you renew the policy 30 days in advance.
An additional 20% reward on the base premium if you complete the Healthy Life Management Program.

ManipalCigna Sarvah Param: What is Covered?

Before you decide to purchase a health insurance plan, carefully evaluating the base coverage is one of the most important aspects. Let’s take a look at the coverage under ManipalCigna Sarvah Param:

Pre and Post-Hospitalisation Expenses

The pre- and post-hospitalisation expenses might not seem like a huge financial liability initially, but they can surely become one. Under the plan, the following expenses are covered:

Medical expenses incurred 90 days before the hospitalisation date.
Medical expenses incurred 180 days post-hospitalisation date.

Domiciliary Hospitalisation

For medical treatments that the insured wishes to get at home, the policy offers coverage. These treatments are known as domiciliary treatment, and they must be performed under the authorisation of a legal medical practitioner.

Donor Expenses

Expenses incurred on finding an organ or blood donor are also covered under the policy.

Restoration of the Sum Insured

The policy offers restoration of the sum insured multiple times within a single policy year for all illnesses, whether related or unrelated.

AYUSH Treatment

Expenses incurred for AYUSH treatment at AYUSH Hospital or authorised hospitals are covered under the plan. AYUSH treatment refers to Ayurveda, Yoga, Unani, Siddha and Homoeopathy treatments.

Wellness Program

Under the policy, if the insured completes the healthy life management program, they can earn rewards up to 20% of the base premium. Additionally, this also offers discounts on pharmacy, diagnostics and health supplements at network providers.

Health Check-Up

Under the policy, all insured members who have reached the age of 18 can receive a free health checkup, available from the first year onwards.

Gullak Benefits

This offers a guaranteed cumulative bonus. You can get a 100% guaranteed increase in the sum insured in each policy year, irrespective of the claims made under the policy.

ManipalCigna Sarvah Param: What is Not Covered?

Remember that every health insurance plan comes with specific exclusions that you should be aware of. Here’s what is not covered under the ManipalCigna Sarvah Param plan:

Breach of Law

Any injury or illness sustained as a result of an activity that constitutes a breach of law is not covered under the policy.

Hazardous or Adventure Sports

If the insured sustains an injury or illness while participating in hazardous or adventurous sports, the policy does not provide coverage.

War or Foreign Invasion

Expenses incurred on treating an injury or illness that occurred due to participation in war or foreign invasion are not covered under the policy.

Accidental Damages

Damages caused to your own vehicle, such as dents and scratches, after an accident are also covered.

Protection Against Natural Disasters

Financial protection is also offered against damages caused by natural calamities, such as floods, earthquakes, and frost.

Protection Against Man-Made Calamities

Any damage caused by human-made acts, such as strikes, riots, and attacks, is also covered.

Vehicle's Theft

With a comprehensive policy, you also receive your vehicle's Insured Declared Value (IDV) in the event of theft.

Our verdict

The ManipalCigna Sarvah Param is a reliable health insurance plan that offers flexibility in its benefits and features, ensuring the needs of every insured member are taken care of. In addition to base coverage, the policy has multiple riders that can be added to the existing policy for enhanced protection. With rewards given for making healthy lifestyle choices every day, ManipalCigna's health insurance company demonstrates its commitment to promoting a healthy lifestyle.<br><br> If you haven’t done it already, get your health insurance policy from Paybima today!

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Claims Experience

Claims Experience Rating 4.4

% of claims settled in less than 30 days
Reflects on the speed of settling valid claims

98.61%

% of Complaints received on overall claims
% customers unhappy with claims experience

0.24%

Claims Incurred Ratio

72.71%

Claim Settlement Ratio (No. of claims)
What % of the claims received were paid?

90.24%

No. of Cashless Hospitals

11,000+

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Ask Anything as We Have Answers to Everything in Insurance

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It is a voluntary cover that is in-built. As per the Payor Premium cover, if the insured dies, all the premiums to be paid in the future would be waived off, while the policy would still stay active.

Guaranteed maturity is the benefit that is offered as the assured lump sum pay that is offered at maturity. The money that is offered as guaranteed maturity to the policyholder or beneficiaries is fixed at the time of policy purchase.

The payout is given as a lump sum or monthly pay. You can also opt for part lump sum and part monthly pay income under the plan.

You can buy the plan online via the official website of the insurer or via any partner website.

Yes, you can revive the iSelect Guaranteed Future Plan within 5 years of the date of last unpaid premium, as per the specified terms of the policy.

Yes, since smokers are at a higher risk of health issues, their premiums may also be higher than those of non-smokers.

Yes, the policy is a family health insurance plan. So, you can also get your parents covered under it.

Health insurance has become a necessity in today's times. It's no longer a luxury. A single hospitalisation can wipe out a major chunk of your savings or may even force you to compromise on quality health services.

The iProtect Smart comes with flexibility in choosing your premium payment. It can be done in a single premium, for a limited period, or throughout the policy term as per your income and evolving needs.

There are four payout options that are available with iProtect Smart. For instance, there is income option where nominee gets a monthly income for a set period; with lump sum income, the nominee gets lump sum + regular income for a set period; the lump sum, the nominee gets a lump sum amount; and with increasing income, the nominee gets an increasing income that increases every 10 years.

Yes, ICICI Prudential iPru Signature is a dual-purpose plan. It's a ULIP, or Unit-Linked Insurance Plan, that combines the features of life cover and investment components.

Partial withdrawals under the iPru Signature are free of cost and can be withdrawn unlimited times. However, the total amount should not exceed 20% of the fund value.

Yes, as per the value added covers, you can earn up to 20% rewards of the base premium. This can happen if you complete the Healthy Life Management Program.

ManipalCigna Sarvah Pratham offers discounts from the network provider on pharmacy, supplements, etc. Other discounts include:

5% discount on your first policy renewal
2.5% discount if the policy renewal is done 30 days before the policy expiry date
7.5% discount on a 2-year policy and 10% on a 3-year policy
10% discount on the premium if two members are covered under the same policy.

Disclaimer

10% Cumulative Bonus (CB) will be applied on the Base Sum Insured for each claim free Year, which can go up to a maximum of 100% of the Base Sum Insured.
# Expenses related to the treatment of a pre-existing disease (PED) and its direct complications shall be excluded until the expiry of 24 months of continuous coverage after the date of inception of the first policy with the insurer.

(For Detailed Information Refer to the Policy Wording)