Manipal Cigna Sarvah Pratham Health Insurance Plan

4.5

Paybima Rating

Having health insurance isn’t just a good idea, it’s essential. Medical costs can rise quickly, and without coverage, a sudden illness or accident can have a significant impact on your finances. That’s where the ManipalCigna Sarvah Pratham Health Insurance Plan comes in. It’s a well-rounded, budget-friendly policy that offers extensive protection for individuals and families.

With flexible sum insured options, multiple add-ons, and access to thousands of network hospitals, this plan gives you the freedom to focus on recovery instead of worrying about bills. It’s a smart step towards securing your health.

To learn more about Family Floater Plans.

Highlights of Manipal Cigna Sarvah Pratham

Sum insured between ₹5 lakhs to ₹5 crores

All day care procedures are covered up to the sum insured

Restoration of the sum insured for an unlimited time

Long list of value-added services

Get all your insurance related queries answered

ManipalCigna Sarvah Pratham Health Insurance Plan: Highlights

Here are some of the highlights of the Sarvah Pratham Health Insurance Plan:

Particulars	Details
Policy Name	ManipalCigna Sarvah Pratham Health Insurance Plan
Policy Type	Individual, Multi-individual and Family Floater
Sum Insured Options	From ₹5 lakhs to ₹5 crores
Policy Tenure	1, 2 and 3 years
Entry age	Children - 91 days Adult - 18 years
Renewability	Available
Waiting period	Initial Waiting Period: 30 DaysNamed Ailment Waiting Period: 24 monthsPre-Existing Diseases Waiting Period: 36 months
Network hospital	Over 15,000
Best suited for	Individuals and families

Features and Benefits of the ManipalCigna Sarvah Pratham Health Insurance Plan

Let’s take a look at the features and benefits you can expect with ManipalCigna Sarvah Pratham Health Insurance Plan:

Comprehensive Coverage

This health insurance policy is carefully designed to cover people from all sections of society, regardless of their existing state of health. It provides extensive coverage, encompassing everything from hospitalisation and ambulance fees to consumables, health check-ups, and even reinstating your sum insured. It's designed to provide you with all-around peace of mind for your health.

Flexible Policy Features

Health insurance is not a one-size-fits-all affair, and this plan acknowledges that. That's why it's flexible enough to accommodate varying lifestyles and family configurations. You can select a sum insured ranging from ₹5 lakhs to ₹5 crores and opt for an individual policy or a family floater, whichever is best suited to you.

Multiple Optional Benefits

Though the base plan stands well on its own, you can also further extend your protection using various add-ons. There is a long list of optional benefits that help increase your coverage as your needs change.

Quick Claim Settlement

The company promises quick and easy claim settlements. With a good track record of claim settlement, ManipalCigna Health Insurance Company is known for its swift and reliable claim approvals, making tough times a little easier for you and your family.

Network Hospitals for Seamless

What makes your policy more convenient is the extensive network of hospitals. With more than 15,000 hospitals spread all over the nation, you can have hassle-free, cashless care and easy access to quality treatment, anywhere you go.

Wish to Enhance Your Coverage? Take a look at the Riders Available with ManipalCigna Sarvah Pratham Health Insurance Plan.

Add-ons, also called riders, can help enhance the coverage of your insurance policy. Opt for the following options as per your needs:

Add-On Covers	Details
Accidental Hospitalisation Cover	Any accidental injury that occurs during the policy tenure is covered under this add-on for hospitalisation.
Personal Accident Cover	If you meet with an accident and suffer a permanent total or partial disability, this rider offers coverage. The coverage is available for: Accidental Death Permanent Total Disability Permanent Partial Disability
Temporary Total Disability	In the event that the insured suffers an injury solely as a result of an accident during the policy period. A fixed amount, as specified in the policy documents, will be payable.
Health Check-up	All adult insured members are eligible to undergo certain compulsory and optional health tests.
Room Rent Modification	This rider gives you the freedom to pick any type of hospital room, such as a single private room or an AC twin-sharing room, without any restrictions based on your policy’s room rent limits.
Surplus Benefit	With this rider, you get an extra 100% of your sum insured for your first claim in every policy year.
Deductible	You can choose between an Aggregate Deductible or a Daily Deductible at the time of policy purchase or renewal.
Voluntary Co-Payment	With this rider, you can agree to pay a part of your medical bill yourself. The rest will be covered by the insurance company. This can help lower your premium amount.
Air Ambulance	This rider reimburses the cost of air ambulance services for moving the insured to a hospital.
Restoration of Sum Insured	A 100% restoration of the sum insured is offered irrespective of whether the illness is the same or unrelated.
Gullak (Guaranteed Cumulative Bonus)	Get a 100% increase in the sum insured when you renew your policy without any break
Coverage for Non-Medical Items	This rider helps cover costs that are typically not covered by health insurance, such as items that don’t fall under direct medical treatment or durable medical equipment (e.g., braces, wheelchairs
Sarathi	This rider allows you to skip the waiting period for pre-existing health issues like asthma, diabetes, high blood pressure, obesity, etc. So, coverage for these conditions starts after 30 days.

ManipalCigna Sarvah Pratham Health Insurance Plan: What is Covered?

ManipalCigna Sarvah Pratham Health Insurance Plan offers a wide range of coverage and benefits. Let's have a look at what is covered in this policy:

Flexi Health Supreme by Cholamandalam offers a wide range of coverage and benefits. Let's have a look at what is covered in this policy:

In-patient Hospitalisation

If you’re admitted to a hospital, typically for over 24 hours, the plan covers major expenses like room charges, ICU, nursing, medicines, surgery, tests, and more.

AYUSH Treatments

Prefer traditional treatments? This plan also covers Ayurveda, Yoga, Unani, Siddha, and Homoeopathy therapies, up to the sum insured.

Daycare Procedures

Short treatments that don’t require an overnight stay, such as dialysis, cataract surgery, or chemotherapy, are also taken care of.

Pre and Post-hospitalisation

Treatment may not always be limited to the hospital. The plan covers recovery treatments, including physiotherapy, medications, and follow-up consultations, for up to 180 days. Your diagnosis and tests, such as X-rays or blood tests, performed within 90 days prior to admission, are also covered.

Organ Donor Expenses

If you or your loved one needs an organ transplant, the donor’s medical expenses are covered up to the sum insured.

Domiciliary Expenses

Can’t make it to the hospital? Treatments taken at home on a doctor’s advice/ prescription are also included.

Newborn Baby Cover

Once you welcome the new member, your newborn can be covered under the same plan till the policy period ends.

Emergency Ambulance

If there’s an emergency and you need an ambulance, the insurer will cover the charges.

Add-ons

ManipalCigna Sarvah Pratham allows you to choose from a variety of add-ons to customise your policy based on your health needs.

ManipalCigna Sarvah Pratham Health Insurance Plan: What is Not Covered?

Despite offering comprehensive coverage, the following are not included under policy coverage:

Treatments taken purely for enjoyment, relaxation, or preventive wellness, such as beauty therapies or spa-like services.
Medical tests or diagnostic procedures are performed solely for evaluation and are not related to a specific illness or condition.
Expenses related to rest cures, rehabilitation programs, or respite care not aimed at active medical treatment.
Injuries or medical issues resulting from participating in adventure or extreme sports activities.
Any health issues arising due to illegal activities or violations of the law.
Cosmetic or plastic surgeries, unless they are medically necessary following an accident.

Our Verdict on ManipalCigna Sarvah Pratham Health Insurance Plan

The ManipalCigna Sarvah Pratham Health Insurance Plan offers comprehensive, customisable coverage for individuals and families across all health conditions. With a wide range of sum insured options, optional riders, fast claim settlements, and access to over 15,000 network hospitals, it provides policyholders nationwide with protection, flexibility, and convenience.<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

Being a savings cum life insurance plan, the iSelect Guaranteed Future Policy offers 5 different variants to choose from, such as iAchieve, Flexi iAchieve, iAssure, Flexi iAssure, and Easy iAchieve. Be it any plan you choose, you would get life cover together with guaranteed maturity benefit and/or survival benefit.

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)