ManipalCigna Sarvah - Uttam Health Insurance Company

Given recent times, having the most basic plan might not be the smartest decision. Why? Well, one surgery, a few nights on the hospital beds, accommodation charges, and there! Your basic policy with basic benefits might already be drained. Here comes ManialCigna Sarvah - Uttam. It is a personalised plan with a lot to offer. For instance, it is comprehensive and customisable, meaning you're protected against unexpected emergencies and medical inflation at all times.

Not only does it fit your needs, but it lets you choose what you deserve and want for yourself. With ManipalCigna Sarvah Uttam, you get a variety of base coverage and add-on options. This means you need not worry about getting multiple policies; instead, you get all-in-one.

If you want to know more about Family Floater Plans, click here.

Highlights of the ManipalCigna Sarvah - Uttam Health Insurance Plan

Infinite health insurance plan with the sum insured (SI) of up to ₹3 crores.

Unlimited restoration benefits within a policy year.

Premium discounts on early renewals.

Unlimited telecommunications.

ManipalCigna Sarvah - Uttam Health Insurance Plan: Highlights

Here are some of the highlights of the ManipalCigna Sarvah- Uttam Health Insurance Plan:

Particulars	Details
Policy Name	ManipalCigna Sarvah - Uttam Health Insurance Plan
Insurance Company	ManipalCigna Health Insurance
Sum Insured Options	₹5 lakhs to ₹3 crore
Add-ons	Personal Accident Cover Temporary Total Disablement Air Ambulance Health Check-Ups Restoration BenefitsGullak Sarathi Anant Room Rent Modification Maternity and NewBorn Hospitalisation ExpensesSurplus Benefits Deductibles Coverage for Non-Medical Items and Durable Medical Equipment Voluntary Co-payments
Entry age	Minimum entry age for a child: 91 days Minimum entry age for adults: 18 years Maximum entry age: no limit
Renewability	Lifelong
Waiting period	Initial waiting period: 30 days Waiting period for specific diseases: 24 months Pre-existing diseases waiting period: 36 months Personal waiting period in certain cases: not more than 36 months
Best suited for	Individual, multi-individual and family floater

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

Here is a list of some of its add-ons that can make your policy more well-rounded. You may consider checking them out and adding to your base policy as per your requirements and as you grow in life.

Add-on Covers	Details
Anant	Ensures infinite SI for hospitalisation for illnesses like stroke, heart conditions, or organ transplant.
Sarathi	This add-on comes in handy to reduce the waiting period for certain PEDs like asthma, diabetes, hypertension, and so on.
Gullak	With this add-on, there is a guaranteed 100% increase in the sum insured for each policy year.
Personal Accident Cover	With this add-on, a lump-sum benefit of SI is offered in case of accidental death, permanent total disablement, and permanent partial disablement.
Total Temporary Disablement	With this add-on, weekly compensation is provided for a maximum of 100 weeks in the event of the total temporary disablement of the insured member.
Room Rent Modification	Using this rider, the insured can modify or upgrade their rooms to twin-sharing air-conditioned rooms or ICU rooms up to the sum insured.
Air Ambulance	With air ambulances, it becomes easy to transfer patients to the nearest hospital in case of an emergency. Coverage is provided for a maximum of 10 lakhs.
Health Check-Ups	Available to adult individuals 18 years of age and older. With this add-on, you get access to health check-ups once in each policy year.
Restoration Benefits	With this add-on, you may refill your policy multiple times during a policy year.
Surplus Benefits	This add-on ensures you have 100% of the SI available to you from the first day itself.
Deductibles	Allows you to avail aggregate or daily deductible.
Maternity and NewBorn Hospitalisation Expenses	Provides coverage for maternity expenses, newborn expenses, and first-year vaccinations.
Coverage for Non-Medical Items and Durable Medical Equipment	This rider provides coverage for non-medical items and equipment that can be burdensome to your pockets.
Voluntary Co-payments	Available with a cost-sharing percentage on each claim.

Features and Benefits of the ManipalCigna Sarvah - Uttam Health Insurance Plan

Wondering what makes Sarvah-Uttam a suitable health insurance plan. Here are some key features and benefits of ManipalCigna Sarvah Uttam that make it an ideal policy for you and your family. Consider checking them out.

Access to Infinite Sum Insured

One of the key benefits of this plan is the assurance of an unlimited sum insured with instant benefits. It ensures you don't need to worry about hospitalisation costs when it comes to diseases like stroke, cancer, heart conditions, and more. With this benefit, you ensure that your finances are sorted when you need them the most.

Attractive Short-term and Life-time Discounts

Another prominent feature of ManipalCigna Sarvah- Uttam is that it comes with a bunch of attractive discounts. This includes discounts related to early renewal, which can be up to 7.5% on the first policy renewal if made 30 days prior to the policy expiration, as well as website discounts, long-term policy discounts, and more.

Restoration Benefits

What makes the Sarvah - Uttam health insurance plan more cost-efficient is that it is designed with restoration benefits. This means you get unlimited restoration during a policy year. Therefore, ultimate care for you at all times.

Better Protection

As mentioned earlier, ManipalCigna Sarvah - Uttam offers a range of sum insured options which go up to ₹3 crore. The high sum-insured options ensure your family is better protected against health emergencies. Meaning, when an emergency hits your family, they don't have to worry about skyrocketing medical bills and a base policy that gets exhausted quickly.

Wide Range of Riders

Sarvah-Uttam comes with a wide range of attractive riders. From Anant benefits to offer you infinite SI for hospitalisation to Gullak, Sarathi to Surplus Benefits, it offers comprehensive coverage. These ensure that your policy is more well-rounded and comprehensive, tailored to your needs and requirements.

Peace of Mind

One thing that is assured with ManipalCigna Sarvah-Uttam is protection from stress and ultimate peace of mind. With enhanced base coverage and a variety of riders, you ensure you have taken good care of yourself and your family.

ManipalCigna Sarvah - Uttam Health Insurance Plan: Eligibility Criteria

Here are the eligibility criteria for ManipalCigna Sarvah - Uttam that you need to know.

The minimum entry age for adults is 18 years.
The minimum entry for a child is 90 days.
There is no maximum entry age.
The policy tenure is available in three options: 1 year, 2 years, and 3 years.
Relationships covered include self, spouse, children, mother, father, sister, brother, and more.

ManipalCigna Sarvah - Uttam Health Insurance Plan: What is Covered?

Here is a list of policy inclusions under the ManipalCigna Sarvah - Uttam.

In-Patient Hospitalisation

Hospitalisation expenses for listed modern and advanced treatment, mental health support, HIV, AIDS and STD up to the sum insured are covered.

Day Care Treatment

All types of daycare procedures where you might need to stay in the hospital for not more than 24 hours are also covered under the policy.

Domiciliary Expenses

Domiciliary treatment, i.e., treatment at home, is also covered up to the sum insured.

Donor Expenses

Expenses, including pre- and post-hospitalisation expenses and complications during hospitalisation, are covered. No coverage is offered for organ acquisition.

Road Ambulance

Reimbursement is offered for road ambulance services that can be availed for emergency transfers.

Pre & Post-Hospitalisation Medical Expenses

Medical expenses incurred within 90 days before hospitalisation and 180 days after hospitalisation are also covered.

AYUSH

Coverage up to the sum insured is provided for AYUSH treatments like Ayurveda, Unani, homoeopathy, and so on.

Value-Added Cover with Teleconsultations and Wellness Program

Additional benefits like unlimited teleconsultations with your general physician are offered. With a wellness program, you can earn attractive rewards by simply complying with the Healthy Life Management Program.

ManipalCigna Sarvah - Uttam Health Insurance Plan: What is Not Covered?

Here is the list of exclusions under the policy, Sarvah- Uttam. Consider having a look.

Gender Change- Treatments

Any expenses incurred on the treatments related to gender modification or change are not covered.

Obesity or Weight Control Treatment

Expenses incurred from surgical or non-surgical treatments that relate to weight control or obesity are not included.

Treatments Related to Infertility and Sterility

Expenses occurring from treatments relating to sterility and infertility, like IVF, IUF, and more, are not covered.

Hospital Stays Without Any Treatment

Any hospital stay without taking any treatment or being eligible for treatment is not considered.

Any Treatment Outside India's Geographical Limits

Coverage is also not provided for any expenses incurred from treatments done outside the geographical boundaries of India.

Our Verdict on ManipalCigna Sarvah - Uttam Health Insurance Plan

ManipalCigna has always been a reliable and popular name in the health insurance industry. It offers a wide range of healthcare plans that are designed with the health and wellness of you and your loved ones in mind. <br><br>ManipalCigna Sarvah - Uttam is a comprehensive plan that offers multiple benefits, including an unlimited sum insured, reduced waiting period, gullak benefits, and more. Furthermore, you also get access to discounts, unlimited teleconsultations, and wellness programs. Therefore, 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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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)