ManipalCigna Sarvah Plan

ManipalCigna Sarvah Plan: Affordable Health Insurance for India's Missing Middle

'Sahi Health Insurance Chuno, SADA SECURE RAHO'

That's right, this is what ManipalCigna's new Sarvah plan talks about. With this plan, ManipalCigna aims to provide affordable and inclusive health insurance coverage for India's missing middle population. This plan is the comeback response to the increasing need for financial protection against rising healthcare costs.

Fact to Know

According to a NITI Aayog report on India's missing middle class, 35-40 crore individuals in the country remain without any health insurance coverage.

ManipalCigna Sarvah Plan Options

ManipalCigna Sarvah includes three distinct plans:

ManipalCigna Sarvah Pratham

• Essential Shield
• Coverage for major illness
• Reduced waiting period for PEDs
• Unlimited restoration
• Surplus benefits

ManipalCigna Sarvah Uttam

• Infinite Power
• Infinite sum insured
• Gullak benefits
• Unlimited restoration
• Affordable Premium

ManipalCigna Sarvah Param

• Instant Peace
• Tatkal benefit
• Personal accident cover
• Unlimited restoration
• Surplus benefits

ManipalCigna Sarvah Policy Benefits

ManipalCigna Sarvah policy offers a plethora of benefits to customers. Here are some of the benefits:

• Unlimited Sum Insured

  You will get an unlimited sum insured for hospitalization in case of treatment related to heart, cancer, stroke, organ transplant, or bone marrow transplant.

• Gullak Benefits

  Gullak benefit provides a bonus of up to 15x over the base sum insured, irrespective of the claims you make.

• Sarathi Benefits

  The Sarathi benefit helps reduce your waiting period to 30 days for pre-existing diseases like asthma, diabetes, dyslipidemia, obesity, and hypertension.

• Unlimited Restoration

  With unlimited restoration, your insurance coverage is not limited to a single sum insured per policy year. The policy automatically restores your sum insured to its original amount, allowing you to continue claiming benefits.

• Personal Accident Cover

  ManipalCigna Sarvah can be your and your family’s personal accident cover. It will provide a shield of up to Rs 3 crore in case of an accident.

Exclusions

Permanent diseases or health conditions that are not included under the ManipalCigna Sarvah plan are:

• Hospitalization due to war, riot, strike, and nuclear weapons
• Intentional self-injury
• Congenital disease
• Miscarriage and Abortion

Certain diseases and treatments are covered under this plan after a specific waiting period. Read the details below:

• Pre-existing diseases: 36 Months
• Listed ailments: 24 Months