Insurance Plans Comparison
ManipalCigna Sarvah Param vs Bajaj Health Guard Gold
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 Guard Gold
Health Guard Gold
What Makes It Special:
Health Guard 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 Guard Gold 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 Guard Gold Single Private Air-Conditioned Room (for Sum Insured ₹3 lakh to ₹7.5 lakh); Any Room Category (for Sum Insured ₹10 lakh and above) Actual ICU Expenses |
| ICU Charges |
|---|
Sarvah Param ICU expenses covered up to the Sum Insured, subject to applicable policy terms. |
VS VS |
Health Guard Gold Information Unavailable |
| Advanced Treatments |
|---|
Sarvah Param Information Unavailable |
VS VS |
Health Guard Gold Chemotherapy, Radiotherapy, Dialysis, Physiotherapy, Pacemaker implantation, Orthopedic implants, Cardiac valve replacements, Vascular stents, Bariatric Surgery |
| 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 Guard Gold No mandatory co-payment under standard coverage. |
| Disease-wise sublimits |
|---|
Sarvah Param Treatment-specific limits may apply as specified in the policy schedule. |
VS VS |
Health Guard Gold Information Unavailable |
| Waiting Period |
|---|
Sarvah Param Information Unavailable |
VS VS |
Health Guard Gold Initial Waiting Period: 30 days Pre-existing Disease Waiting Period: 36 months Specific Disease/Procedure Waiting Period: 24 months for listed diseases and procedures; 36 months for certain conditions such as bariatric surgery; 72 months for maternity benefits |
| Cashless Healthcare Providers |
|---|
Sarvah Param Cashless treatment is available through network providers, subject to the insurer's procedures and policy terms. |
VS VS |
Health Guard Gold Available through network 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 Guard Gold 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 Guard Gold Information Unavailable |
| Daycare Treatment |
|---|
Sarvah Param Eligible daycare procedures are covered up to the Sum Insured, subject to applicable policy terms. |
VS VS |
Health Guard Gold 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 Guard Gold 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 Guard Gold 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 Guard Gold 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 Guard Gold 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 Guard Gold Information Unavailable |
| Modern Treatment |
|---|
Sarvah Param Covered as inpatient or daycare treatment, subject to the limits specified in the policy schedule. |
VS VS |
Health Guard Gold 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 Guard Gold Information Unavailable |
| Pre-Hospitalisation |
|---|
Sarvah Param Covered up to the Sum Insured for 90 days before hospitalisation. |
VS VS |
Health Guard Gold Information Unavailable |
| Post-Hospitalisation |
|---|
Sarvah Param Covered up to the Sum Insured for 180 days after discharge. |
VS VS |
Health Guard Gold 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 Guard Gold 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 Guard Gold 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 Guard Gold 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 Guard Gold 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 Guard Gold Information Unavailable |
Insurance Plans Comparison
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