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Critical Care Plan
ManipalCigna Health Insurance Company offers its Critical Illness policy, which is a global plan that assures financial support during crit…
- 15 or 30 major illnesses
- Medical second opinion
- Online wellness program
ManipalCigna Health Insurance
ManipalCigna Sarvah Plan
The plan gives you 360-degree coverage and comes in 3 variants: Sarvah ...Read More
Up to 1 Cr
Sum insured
1
No. of plans
77+
Pan India presence
98%
Claim settlement ratio
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,704 reviews
🏥 15,000+ hospitals
📊 1.76 solvency ratio
✅ 98% claim settlement
About ManipalCigna Sarvah Plan
A quick read on what this ManipalCigna Health Insurance plan covers and why it might be a fit for you.
'Sahi Health Insurance Chuno, SADA SECURE RAHO'
Yep, 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 Includes 3 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
Plan at a glance
Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.
Entry age
91 days to no maximum age limit
Plan type
Individual and Family Health Insurance
Sum insured options
₹5 L, ₹7 L, ₹10 L, ₹15 L, ₹20 L, ₹25 L, ₹50 L, ₹1 Cr, ₹2 Cr, ₹3 Cr
Waiting period
30 days
Renewability
Lifetime
Policy term
1/2/3 Years
*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.
Pros & cons
A quick honest summary — the strengths and the trade-offs.
Pros
- Coverage for major illness
- Reduced waiting period for pre-existing diseases
- Unlimited restoration
- Surplus benefits
Cons
- Maternity benefit not covered
- No global coverage
- Daily hospital cash not covered
What's covered
Every CMS-driven coverage flag from the plan wording — only items with a published value render below.
Hospitalization
- Room rent Covered
- ICU charges Covered
- Pre-hospitalization Covered
- Post-hospitalization Covered
- Domiciliary hospitalization Covered
- Day-care treatment Covered
- OPD charges Not covered
- Covid-19 treatment Covered
- Cataract Covered
Bonuses & restoration
- No-claim bonus Covered
- Automatic restoration of SI Covered
- Daily hospital cash Not covered
Family & special care
- Maternity cover Covered
- New-born baby cover Covered
- IVF treatment Not covered
- AYUSH treatment Covered
- Organ donor expenses Covered
Modern & preventive care
- Modern treatment Covered
- Road ambulance Covered
- Air ambulance Covered
- E-consultation Covered
- Health check-up Covered
- Second medical opinion Covered
- Vaccination Covered
Conditions & global
- Co-payment Not covered
- Sub-limits Not covered
- Compassionate travel Not covered
- Global coverage Not covered
ManipalCigna Sarvah Policy Benefits
ManipalCigna Sarvah policy offers a plethora of benefits to customers. Here are some of the benefits given below:
-
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.
ManipalCigna Health Insurance Network Hospital List
ManipalCigna Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, ManipalCigna Health Insurance ensures that you are medically secured, irrespective of the city you reside in.
Inclusions & exclusions
What the plan pays for, and what it doesn't.
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
Who can buy this plan
Eligibility criteria pulled straight from the policy wording.
- Entry Age: 91 days
- Maximum Entry Age: No Limit
- Sum Insured: Up to 3 Crore
- Waiting Period: 30 days
Other features & benefits
- Tatkal benefit
- Comprehensive personal accident cover
- Gullak and Sarathi benefits
ManipalCigna Sarvah Plan: FAQs
The 4 most-asked questions about ManipalCigna Sarvah Plan, answered.
The claim settlement ratio of ManipalCigna health insurance is 99.96%.
Maternity Benefit is available in Uttam & Param Plans
There is no waiting period of ManipalCigna Sarvah Param plan.
There are three variants of ManipalCigna Sarvah plan, named as Sarvah Param, Sarvah Uttam and Sarvah Pratham.
Conclusion
A truly complete, flexible health insurance solution offering essential to unlimited coverage for ev
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