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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 |
Kotak Group Accident Protect Health Plan |
| Product Type | Individual and Family Health Insurance | Individual |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Not Covered | Not Covered |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
Covered | Not Covered |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
Covered | Not Covered |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
Covered | Not Covered |
| Post-hospitalization (Expenses after discharge from the hospital) |
Covered | Not Covered |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
Covered | Not Covered |
| Hospital_network (Number of Hospital Network in city) |
15000 | 22600 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Covered | Not Covered |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
Not Covered | Not Covered |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Covered | Covered |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Covered | Not Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Covered | Not Covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Covered | Not Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Not Covered | Applicable |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Not Covered | Not Applicable |
| Plan Entry Age | 91 days to no maximum age limit | 5 years to 65 Years |
| Plan Premium Entry Age and S/A | 4804 | Not Available |
| 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 | Individual |
| Plan Sample Premium | 4804 | NA |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1/2/3 Years | 1,2,3 Years |
| ICU Charges | Covered | Not Covered |
| Covid-19 Treatment | Covered | Not Covered |
| Cataract | Covered | Not Covered |
| Automatic Restoration | Covered | Not Covered |
| Ayush Treatment | Covered | Not Covered |
| Modern Treatment | Covered | Not Covered |
| E Consultation | Covered | Not Covered |
| Air Ambulance | Covered | Not Covered |
| Global Coverage | Not Covered | Not Covered |
| Claim Ratio | 98 | 96.4 |
| Solvency Ratio | 1.76 | 5.73 |
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