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'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.
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.
| PLAN DETAILS |
Sarvah Plan |
Aditya Birla Group Health Insurance |
| Product Type | Individual and Family Health Insurance | Group Health Insurance |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Not Covered | Covered |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
Covered | Covered |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
Covered | Covered |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
Covered | Covered |
| Post-hospitalization (Expenses after discharge from the hospital) |
Covered | Covered |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
Covered | Covered |
| Hospital_network (Number of Hospital Network in city) |
15000 | 12900 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Covered | Covered |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
Not Covered | Covered |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Covered | Covered |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Covered | Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Covered | Covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Covered | Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Not Covered | Covered |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Not Covered | Covered |
| Plan Entry Age | 91 days to no maximum age limit | Day 1 to no limit |
| Plan Premium Entry Age and S/A | 4804 | NA |
| Plan Waiting Period | 30 | NA |
| Plan Coverage | Hospitalization up to ₹3 Cr, Personal Accident Cover up to ₹3 Cr, Maternity & Newborn expenses, Unlimited Sum Insured Restoration, Pre-Existing Disease coverage | Group Health Insurance |
| Plan Sample Premium | 4804 | NA |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1/2/3 Years | NA |
| ICU Charges | Covered | Covered |
| Covid-19 Treatment | Covered | Covered |
| Cataract | Covered | Covered |
| Automatic Restoration | Covered | Covered |
| Ayush Treatment | Covered | Covered |
| Modern Treatment | Covered | Not Covered |
| E Consultation | Covered | Covered |
| Air Ambulance | Covered | Covered |
| Global Coverage | Not Covered | Covered |
| Claim Ratio | 98 | 96 |
| Solvency Ratio | 1.76 | 1.88 |
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