Insurance Plans Comparison
ManipalCigna Sarvah Param vs Bajaj Health Care Supreme Smart
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreSarvah Param
Sarvah Param Comprehensive health insurance with unlimited restoration, Gullak Guaranteed Cumulative Bonus and flexible optional benefits.
What Makes It Special:
ManipalCigna Sarvah Param is a comprehensive health insurance plan offering hospitalisation coverage, unlimited restoration, guaranteed cumulative bonus, wellness benefits and optional coverage enhancements.
Best For:
1. Policyholders who want flexibility through optional benefits and coverage enhancements.
Customers looking for mental health and HIV/AIDS-related hospitalisation coverage.
Individuals interested in guaranteed cumulative bonus accumulation through the Gullak benefit.
Customers seeking unlimited restoration of the Base Sum Insured.
Families looking for comprehensive hospitalisation coverage.
VS
Health Care Supreme Smart
Health Care Supreme Smart
What Makes It Special:
Health Care Supreme focuses on providing essential health coverage at an affordable premium. It's designed for budget-conscious individuals who want reliable coverage.
Best For:
- Not available
Insurance Plans Comparison
Get Personalized Advice
Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.
Quick Decision Guide
1. Confirm the applicable waiting periods, room eligibility, treatment limits and exclusions before purchasing the plan.
Review optional benefits carefully to understand which additional covers are relevant to your needs.
Check the policy terms for mental health and HIV/AIDS-related hospitalisation coverage.
Review the Gullak benefit if you want guaranteed cumulative bonus accumulation irrespective of claims.
Consider Sarvah Param if you want unlimited restoration of the Base Sum Insured, subject to policy terms.
Not available
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
![]() Sarvah Param Health Insurance Plan VS VS |
Health Care Supreme Smart Health Insurance Plan |
| Room Rent |
|---|
Sarvah Param A single private AC room is listed as the standard room category. Proportionate deductions may apply when a higher room category is selected. Optional room rent modification is available for "Any Room" or "Twin Sharing AC Room". |
VS VS |
Health Care Supreme Smart Covered up to Hospitalisation Sum Insured Covered up to Hospitalisation Sum Insured |
| ICU Charges |
|---|
Sarvah Param ICU expenses covered up to the Sum Insured, subject to applicable policy terms. |
VS VS |
Health Care Supreme Smart Information Unavailable |
| Advanced Treatments |
|---|
Sarvah Param Information Unavailable |
VS VS |
Health Care Supreme Smart Uterine Artery Embolization and HIFU Balloon Sinuplasty Deep Brain Stimulation Oral Chemotherapy Immunotherapy (Monoclonal Antibody Injection) Intra Vitreal Injections Robotic Surgeries Stereotactic Radio Surgeries Bronchial Thermoplasty Green Laser/Holmium Laser Treatment for Prostate Intra Operative Neuro Monitoring (IONM) Stem Cell Therapy for Bone Marrow Transplant in Haematological Conditions |
| Co-payment |
|---|
Sarvah Param No mandatory co-payment is mentioned in the available reference. Voluntary co-payment is available as an optional cover at 10%, 20% or 30%. |
VS VS |
Health Care Supreme Smart Not mentioned |
| Disease-wise sublimits |
|---|
Sarvah Param Treatment-specific limits may apply as specified in the policy schedule. |
VS VS |
Health Care Supreme Smart Information Unavailable |
| Waiting Period |
|---|
Sarvah Param Information Unavailable |
VS VS |
Health Care Supreme Smart 30 Days 24 Months 12 Months for specified diseases and procedures; 24 Months for select treatments such as joint replacement surgery, congenital internal diseases, Parkinson’s disease, genetic disorders, and certain surgical procedures. |
| Cashless Healthcare Providers |
|---|
Sarvah Param Cashless treatment is available through network providers, subject to the insurer's procedures and policy terms. |
VS VS |
Health Care Supreme Smart Cashless treatment available at empanelled hospitals. |
| Restoration Benefit |
|---|
Sarvah Param Unlimited restoration of 100% of the Base Sum Insured is listed, subject to the applicable policy terms. |
VS VS |
Health Care Supreme Smart Information Unavailable |
| Cumulative Bonus |
|---|
Sarvah Param Gullak Guaranteed Cumulative Bonus adds 100% of the Base Sum Insured every policy year, irrespective of claims, up to 1,500%, subject to applicable terms. |
VS VS |
Health Care Supreme Smart Information Unavailable |
| Daycare Treatment |
|---|
Sarvah Param Eligible daycare procedures are covered up to the Sum Insured, subject to applicable policy terms. |
VS VS |
Health Care Supreme Smart Covered |
| Consumable Cover |
|---|
Sarvah Param Covered up to the Base Sum Insured under the optional cover "Coverage for Non-Medical Items and Durable Medical Equipment". |
VS VS |
Health Care Supreme Smart Information Unavailable |
| AYUSH Treatment |
|---|
Sarvah Param AYUSH treatment is covered up to the Sum Insured when received at an eligible AYUSH hospital, subject to policy terms. |
VS VS |
Health Care Supreme Smart Covered |
| Initial Waiting Period |
|---|
Sarvah Param No initial waiting period applies by default. A 30-day initial waiting period applies only if the optional cover "Pratiksha" is opted. |
VS VS |
Health Care Supreme Smart Information Unavailable |
| Specific Waiting Period |
|---|
Sarvah Param No specific waiting period applies by default. A 24-month specific disease or procedure waiting period applies only if the optional cover "Pratiksha" is opted. |
VS VS |
Health Care Supreme Smart Information Unavailable |
| PED Waiting Period |
|---|
Sarvah Param Pre-existing diseases have no waiting period by default. Personal waiting periods of up to 36 months may apply under special underwriting conditions or if the optional cover "Pratiksha" is opted. |
VS VS |
Health Care Supreme Smart Information Unavailable |
| Modern Treatment |
|---|
Sarvah Param Covered as inpatient or daycare treatment, subject to the limits specified in the policy schedule. |
VS VS |
Health Care Supreme Smart Information Unavailable |
| Annual Health Checkup |
|---|
Sarvah Param Health check-up benefits are available once every policy year, including the first year, for adult members on a cashless basis. The available packages are categorised as Package 1, 2 or 3 based on the Base Sum Insured. |
VS VS |
Health Care Supreme Smart Information Unavailable |
| Pre-Hospitalisation |
|---|
Sarvah Param Covered up to the Sum Insured for 90 days before hospitalisation. |
VS VS |
Health Care Supreme Smart Information Unavailable |
| Post-Hospitalisation |
|---|
Sarvah Param Covered up to the Sum Insured for 180 days after discharge. |
VS VS |
Health Care Supreme Smart Information Unavailable |
| Outpatient Department Cover (OPD Expense) |
|---|
Sarvah Param Standard OPD expenses are excluded. However, the plan provides unlimited teleconsultations with network general physicians and discounts on diagnostics and pharmacy through network providers. |
VS VS |
Health Care Supreme Smart Information Unavailable |
| Deductible Option |
|---|
Sarvah Param Optional deductibles are available as either an Aggregate Deductible of ₹10,000, ₹25,000, ₹50,000, ₹1 lakh, ₹2 lakh, ₹3 lakh, ₹4 lakh, ₹5 lakh or ₹10 lakh, or a Per Day Deductible of ₹1,000, ₹2,000, ₹3,000, ₹4,000 or ₹5,000 per day. |
VS VS |
Health Care Supreme Smart Information Unavailable |
| Coverage Options |
|---|
Sarvah Param Base Sum Insured options are ₹5 lakh, ₹7.5 lakh, ₹10 lakh, ₹15 lakh, ₹20 lakh, ₹25 lakh, ₹50 lakh, ₹1 crore, ₹2 crore and ₹3 crore. |
VS VS |
Health Care Supreme Smart Information Unavailable |
| Claim Settlement Ratio |
|---|
Sarvah Param Not mentioned in the available product reference. Verify separately if this value is required in the CMS. |
VS VS |
Health Care Supreme Smart Information Unavailable |
| Maternity Cover |
|---|
Sarvah Param Optional maternity cover is available up to 20% of the Base Sum Insured, subject to a maximum of ₹5 lakh, with a 36-month continuous coverage requirement. It covers up to two deliveries or terminations, subject to applicable terms. |
VS VS |
Health Care Supreme Smart Information Unavailable |
Insurance Plans Comparison
Still Confused? Get Expert Advice
Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.
Why Choose Our Expert Consultation?
What Our Experts Help You With
Personalised Recommendations
Every suggestion is backed by expert analysis of your life stage, goals, and budget
Expert-Led Policy Review
We decode the fine print—identifying risks, sub-limits, and gaps you may have missed. No surprises later
Smart, Tech-Enabled Experience
From digital onboarding to real-time claim tracking, our platform makes insurance easy, accessible, and stress-free
Insurance Plans Comparison
Explore Insurance Category
Senior Citizen Health Plan
Secure against age-related medical costs
Tailored for seniors healthcare needs
Most Popular
Family Health Plan
One policy covers the entire family
High sum insured with cashless care
Multiple coverage options based on your family needs
Maternity Health Plan
Covers delivery, newborn care, and maternity expenses
Reduces financial stress of childbirth costs
Insurance Plans Comparison
Frequently Asked Questions (FAQs)
Having questions? We've got answers. Explore our FAQs to find the information you need.
Explore Our Most Popular Plans
Compare With Other Health Insurance Plans
Sarvah Param vs Optima Secure
Sarvah Param vs Optima Secure Plus
Sarvah Param vs Cancer Cover Activ Cancer Secure Plan
Sarvah Param vs Women Care
Sarvah Param vs Activate Booster Plan A
Sarvah Param vs Active Care Premier
Sarvah Param vs ProHealth Accumulate
Sarvah Param vs Supreme Shine
Sarvah Param vs Optima Secure Global Plus
Sarvah Param vs myHealth Suraksha Gold
Sarvah Param vs LifeTime Health Global
Sarvah Param vs Active Fit Plus
Sarvah Param vs Activ Health Platinum Essential
Sarvah Param vs Medicare Plus
Sarvah Param vs Medicare Senior
Sarvah Param vs Medicare Protect
Sarvah Param vs Activ One SAVR
Sarvah Param vs Active Assure Diamond
Sarvah Param vs Activ One VIP
Sarvah Param vs Advantage
Sarvah Param vs Assure
Sarvah Param vs Activ One Max
Sarvah Param vs Classic
Sarvah Param vs Activ One Vytl
Sarvah Param vs Supreme
Sarvah Param vs Freedom
Sarvah Param vs Joy Today
Sarvah Param vs Medi Classic
Sarvah Param vs Activate Booster Plan B
Sarvah Param vs Health Recharge Super Top Up Plan
Sarvah Param vs Plus Complete
Sarvah Param vs EquiCover
Sarvah Param vs Activ One VIP+
Sarvah Param vs Reassure 3.0 Select
Sarvah Param vs Medicare Premier
Sarvah Param vs Plus Youth
Sarvah Param vs Optima Lite
Sarvah Param vs ProHealth Prime Protect
Sarvah Param vs Supreme Senior Premium
Sarvah Param vs myHealth Suraksha Platinum
Sarvah Param vs Supreme Senior Super
Sarvah Param vs Medicare
Sarvah Param vs Ultimate (Direct)
Sarvah Param vs Optima Insurance
Sarvah Param vs Smart Super Health Assure
Sarvah Param vs Health Guard Platinum
Sarvah Param vs Health Guard Gold
Sarvah Param vs Extra Care Plus Super Top-up
Sarvah Param vs Health Care Supreme Smart
Sarvah Param vs Medi Classic Gold
Sarvah Param vs Smart Health Pro
Sarvah Param vs Optima Super Secure
Sarvah Param vs Special Care
Sarvah Param vs Medicare LITE
Sarvah Param vs Health Shield 360
Sarvah Param vs SecureHealth
Sarvah Param vs Supreme (Direct)
Sarvah Param vs Mediclaim Insurance Policy
Sarvah Param vs Young Star Gold
Sarvah Param vs Senior
Sarvah Param vs myHealth Koti Suraksha
Sarvah Param vs myHealth Suraksha Silver
Sarvah Param vs Cancer Care Platinum
Sarvah Param vs Royal Sundaram Lifeline Elite
Sarvah Param vs Supreme Enhance One
Sarvah Param vs Supreme Enhance Two
Sarvah Param vs Health Companion Variant 2022
Sarvah Param vs Elder Care
Sarvah Param vs HeartBeat Gold
Sarvah Param vs Health SuperCharge
Sarvah Param vs iHealth Plus
Sarvah Param vs HeartBeat Enhanced
Sarvah Param vs ProHealth Prime Advantage
Sarvah Param vs Active Fit Preferred
Sarvah Param vs Senior Health Advantage
Sarvah Param vs Reassure 3.0 Elite
Sarvah Param vs Reassure 2.0 Platinum+
Sarvah Param vs Health Wallet
Sarvah Param vs Heart
Sarvah Param vs Elevate
Sarvah Param vs Reassure 2.0 Titanium+
Sarvah Param vs LifeTime Health
Sarvah Param vs ProHealth Prime Active
Sarvah Param vs ProHealth Prime Senior Elite
Sarvah Param vs Advanced Top Up
Sarvah Param vs Multiplier Health
Sarvah Param vs Joy Tomorrow
Sarvah Param vs Reassure 2.0 Bronze+
Sarvah Param vs Star Women Care Policy
Sarvah Param vs Young Star Silver
Sarvah Param vs Reassure 3.0
Sarvah Param vs Joy
Sarvah Param vs Supreme Senior Health AdvantEdge
Sarvah Param vs Family Plus
Sarvah Param vs Criti Shield Plus
Sarvah Param vs Health Care Supreme Ultimo
Sarvah Param vs Health Shield 360 Retail
Sarvah Param vs Supreme Super Saver
Sarvah Param vs Super Star
Sarvah Param vs Senior First Platinum
Sarvah Param vs Optima Secure Global
Sarvah Param vs NextGen
Sarvah Param vs Health Insurance Platinum
Sarvah Param vs Energy Silver With Copay
Health Care Supreme Smart vs Optima Secure
Health Care Supreme Smart vs Optima Secure Plus
Health Care Supreme Smart vs Cancer Cover Activ Cancer Secure Plan
Health Care Supreme Smart vs Women Care
Health Care Supreme Smart vs Activate Booster Plan A
Health Care Supreme Smart vs Active Care Premier
Health Care Supreme Smart vs ProHealth Accumulate
Health Care Supreme Smart vs Supreme Shine
Health Care Supreme Smart vs Optima Secure Global Plus
Health Care Supreme Smart vs myHealth Suraksha Gold
Health Care Supreme Smart vs LifeTime Health Global
Health Care Supreme Smart vs Active Fit Plus
Health Care Supreme Smart vs Activ Health Platinum Essential
Health Care Supreme Smart vs Medicare Plus
Health Care Supreme Smart vs Medicare Senior
Health Care Supreme Smart vs Medicare Protect
Health Care Supreme Smart vs Activ One SAVR
Health Care Supreme Smart vs Active Assure Diamond
Health Care Supreme Smart vs Activ One VIP
Health Care Supreme Smart vs Advantage
Health Care Supreme Smart vs Assure
Health Care Supreme Smart vs Activ One Max
Health Care Supreme Smart vs Classic
Health Care Supreme Smart vs Activ One Vytl
Health Care Supreme Smart vs Supreme
Health Care Supreme Smart vs Freedom
Health Care Supreme Smart vs Joy Today
Health Care Supreme Smart vs Medi Classic
Health Care Supreme Smart vs Activate Booster Plan B
Health Care Supreme Smart vs Health Recharge Super Top Up Plan
Health Care Supreme Smart vs Plus Complete
Health Care Supreme Smart vs EquiCover
Health Care Supreme Smart vs Activ One VIP+
Health Care Supreme Smart vs Reassure 3.0 Select
Health Care Supreme Smart vs Medicare Premier
Health Care Supreme Smart vs Plus Youth
Health Care Supreme Smart vs Optima Lite
Health Care Supreme Smart vs ProHealth Prime Protect
Health Care Supreme Smart vs Supreme Senior Premium
Health Care Supreme Smart vs myHealth Suraksha Platinum
Health Care Supreme Smart vs Supreme Senior Super
Health Care Supreme Smart vs Medicare
Health Care Supreme Smart vs Ultimate (Direct)
Health Care Supreme Smart vs Sarvah Param
Health Care Supreme Smart vs Optima Insurance
Health Care Supreme Smart vs Smart Super Health Assure
Health Care Supreme Smart vs Health Guard Platinum
Health Care Supreme Smart vs Health Guard Gold
Health Care Supreme Smart vs Extra Care Plus Super Top-up
Health Care Supreme Smart vs Medi Classic Gold
Health Care Supreme Smart vs Smart Health Pro
Health Care Supreme Smart vs Optima Super Secure
Health Care Supreme Smart vs Special Care
Health Care Supreme Smart vs Medicare LITE
Health Care Supreme Smart vs Health Shield 360
Health Care Supreme Smart vs SecureHealth
Health Care Supreme Smart vs Supreme (Direct)
Health Care Supreme Smart vs Mediclaim Insurance Policy
Health Care Supreme Smart vs Young Star Gold
Health Care Supreme Smart vs Senior
Health Care Supreme Smart vs myHealth Koti Suraksha
Health Care Supreme Smart vs myHealth Suraksha Silver
Health Care Supreme Smart vs Cancer Care Platinum
Health Care Supreme Smart vs Royal Sundaram Lifeline Elite
Health Care Supreme Smart vs Supreme Enhance One
Health Care Supreme Smart vs Supreme Enhance Two
Health Care Supreme Smart vs Health Companion Variant 2022
Health Care Supreme Smart vs Elder Care
Health Care Supreme Smart vs HeartBeat Gold
Health Care Supreme Smart vs Health SuperCharge
Health Care Supreme Smart vs iHealth Plus
Health Care Supreme Smart vs HeartBeat Enhanced
Health Care Supreme Smart vs ProHealth Prime Advantage
Health Care Supreme Smart vs Active Fit Preferred
Health Care Supreme Smart vs Senior Health Advantage
Health Care Supreme Smart vs Reassure 3.0 Elite
Health Care Supreme Smart vs Reassure 2.0 Platinum+
Health Care Supreme Smart vs Health Wallet
Health Care Supreme Smart vs Heart
Health Care Supreme Smart vs Elevate
Health Care Supreme Smart vs Reassure 2.0 Titanium+
Health Care Supreme Smart vs LifeTime Health
Health Care Supreme Smart vs ProHealth Prime Active
Health Care Supreme Smart vs ProHealth Prime Senior Elite
Health Care Supreme Smart vs Advanced Top Up
Health Care Supreme Smart vs Multiplier Health
Health Care Supreme Smart vs Joy Tomorrow
Health Care Supreme Smart vs Reassure 2.0 Bronze+
Health Care Supreme Smart vs Star Women Care Policy
Health Care Supreme Smart vs Young Star Silver
Health Care Supreme Smart vs Reassure 3.0
Health Care Supreme Smart vs Joy
Health Care Supreme Smart vs Supreme Senior Health AdvantEdge
Health Care Supreme Smart vs Family Plus
Health Care Supreme Smart vs Criti Shield Plus
Health Care Supreme Smart vs Health Care Supreme Ultimo
Health Care Supreme Smart vs Health Shield 360 Retail
Health Care Supreme Smart vs Supreme Super Saver
Health Care Supreme Smart vs Super Star
Health Care Supreme Smart vs Senior First Platinum
Health Care Supreme Smart vs Optima Secure Global
Health Care Supreme Smart vs NextGen
Health Care Supreme Smart vs Health Insurance Platinum
Health Care Supreme Smart vs Energy Silver With Copay
Chat with PolicyPal
Get a free policy review
No pressure. No product push. Just honest advice.







.png)

