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Insurance Plans Comparison

Care Classic vs ManipalCigna Sarvah Pratham

Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...

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Care

Classic

Comprehensive Family Health Insurance with Unlimited Recharge and Extensive Hospitalisation Coverage

What Makes It Special:

Care Classic is a family-focused health insurance plan offering comprehensive hospitalisation coverage, unlimited automatic recharge, 60-day pre-hospitalisation and 180-day post-hospitalisation coverage, AYUSH benefits, annual health check-ups, and a cumulative bonus of up to 150% of the Base Sum Insured, subject to policy terms.

Best For:

  • Customers looking for long-term coverage benefits – The plan offers a cumulative bonus that can increase up to 150% of the Base Sum Insured, subject to policy terms.

  • Those preferring higher room eligibility – Suitable for eligible Sum Insured options offering a Single Private A/C Room.

  • Customers seeking extensive hospitalisation coverage – Includes pre- and post-hospitalisation, daycare, AYUSH and other eligible medical expenses.

  • Families seeking comprehensive health coverage – Suitable for families wanting a single floater policy with broad hospitalisation benefits.

  • People wanting unlimited recharge – Useful for those who want the Sum Insured to be replenished multiple times during a policy year, subject to terms.

VS
ManipalCigna

Sarvah Pratham

Comprehensive health insurance with high sum insured options and flexible add-on benefits

What Makes It Special:

Comprehensive Health Insurance

Best For:

  • 1. Individuals who prefer flexible deductible and voluntary co-payment options.

  • Customers looking for optional benefits such as Restoration, Gullak and Sarathi.

  • People who want benefits such as AYUSH treatment and pre- and post-hospitalisation coverage.

  • Customers looking for coverage options ranging from ₹5 lakh to ₹3 crore.

  • Individuals and families looking for high sum insured options, broad hospitalisation coverage and optional benefits such as unlimited restoration and guaranteed cumulative bonus

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

Care Classic

  • Review the applicable room-rent, treatment sub-limits and waiting periods before purchasing, particularly the 36-month PED waiting period.

  • Check the plan carefully if maternity coverage is a priority, as maternity expenses are not covered.

  • Consider it if you want AYUSH treatment and annual health check-up benefits.

  • Choose it if 60-day pre- and 180-day post-hospitalisation coverage is important to you.

  • Choose Care Classic if you want family floater coverage with unlimited automatic recharge.

ManipalCigna Sarvah Pratham

  • Check the available benefits, limits and optional covers carefully before choosing the plan to make sure they match your healthcare needs.

  • Consider Sarvah Pratham if you prefer flexibility through deductible and voluntary co-payment options.

  • This plan may be suitable if you want the option to add benefits such as Restoration, Gullak and Sarathi.

  • Consider this plan if you want hospitalisation coverage along with AYUSH treatment and pre- and post-hospitalisation benefits.

  • Consider Sarvah Pratham if you want coverage from ₹5 lakh to ₹3 crore with single private AC room coverage, AYUSH treatment, pre- and post-hospitalisation coverage, and the option to add benefits such as Restoration, Gullak and Sarathi. The plan also offers flexible deductible and voluntary co-payment options.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Classic
Classic

Health Insurance Plan

Brochure

Policy Wording

VS
Sarvah Pratham
Sarvah Pratham

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Classic

Single Private A/C Room for SI ≥ ₹5 lakh.

VS

Sarvah Pratham

Single Private AC Room under the base policy. ICU expenses are covered up to the Sum Insured.

ICU Charges

Classic

No limit for SI ≥ ₹5 lakh.

VS

Sarvah Pratham

Covered up to the Sum Insured.

Co-payment

Classic

Optional

VS

Sarvah Pratham

Optional Voluntary Co-payment of 10%, 20% or 30%. No zonal co-payment applies.

Disease-wise sublimits

Classic

Standard sublimits apply

VS

Sarvah Pratham

Hospitalisation for Heart, Cancer, Stroke and Major Organ/Bone Marrow Transplant is covered up to the applicable Sum Insured. Listed Modern and Advanced Treatments are subject to the specific limits stated in the Policy Schedule.

Cashless Healthcare Providers

Classic

10000+ network hospitals.

VS

Sarvah Pratham

15,000+ cashless hospitals/network providers are currently advertised by ManipalCigna. The exact network is subject to change and should be checked through the insurer's locator.

Restoration Benefit

Classic

Standard No-Claim Bonus.

VS

Sarvah Pratham

Optional: Unlimited restoration of the Base Sum Insured for related and unrelated illnesses/injuries during the policy year.

Cumulative Bonus

Classic

25% of Base SI for each claim-free year, up to a maximum of 150% of Base SI.

VS

Sarvah Pratham

Gullak – Optional: 100% of Base Sum Insured is added every policy year, up to a maximum of 1500% of the Base Sum Insured, irrespective of claims.

Daycare Treatment

Classic

All Day Care Procedures are covered, subject to policy terms.

VS

Sarvah Pratham

Covered up to the Sum Insured for eligible Day Care Treatment related to the specified illnesses.

Consumable Cover

Classic

Not Available

VS

Sarvah Pratham

Not included in the base cover. Optional: Coverage for Non-Medical Items and Durable Medical Equipment is available.

AYUSH Treatment

Classic

Covered

VS

Sarvah Pratham

Covered up to the Sum Insured for eligible treatment related to the specified illnesses, subject to policy terms.

Initial Waiting Period

Classic

30 days

VS

Sarvah Pratham

30 days, applicable under the standard waiting-period structure; accident claims are exempt.

Specific Waiting Period

Classic

24 months

VS

Sarvah Pratham

24 months for specified diseases/procedures, when the applicable Pratiksha optional cover is opted for.

PED Waiting Period

Classic

36 months

VS

Sarvah Pratham

36 months under the base policy. Sarathi/Sarathi 2.0 can provide reduction for specified declared and accepted PED-related conditions, subject to its terms.

Modern Treatment

Classic

Covered up to the Sum Insured, subject to applicable policy terms/sub-limits for specified advanced technology methods. Care specifically says advanced technology treatment is subject to the applicable sub-limit.

VS

Sarvah Pratham

Covered for listed Modern and Advanced Treatments for the specified illnesses, subject to the applicable limits in the Policy Schedule.

Annual Health Checkup

Classic

Available as add-on

VS

Sarvah Pratham

Available as an optional cover.

Pre-Hospitalisation

Classic

60 days

VS

Sarvah Pratham

Covered for 90 days immediately before hospitalisation, subject to the policy terms.

Post-Hospitalisation

Classic

180 days post-discharge

VS

Sarvah Pratham

Covered for 180 days after discharge, subject to the policy terms.

Outpatient Department Cover (OPD Expense)

Classic

Optional Add-on

VS

Sarvah Pratham

Not covered under the base plan.

Deductible Option

Classic

Available

VS

Sarvah Pratham

Optional Aggregate Deductible: ₹10,000, ₹25,000, ₹50,000, ₹1 lakh, ₹2 lakh, ₹3 lakh, ₹4 lakh, ₹5 lakh or ₹10 lakh. Daily Deductible options are also available: ₹1,000, ₹2,000, ₹3,000, ₹4,000 or ₹5,000 per day.

Coverage Options

Classic

Individual or Family Floater

VS

Sarvah Pratham

Base Sum Insured options from ₹5 lakh to ₹3 crore.

Claim Settlement Ratio

Classic

95.45%

VS

Sarvah Pratham

99.88% of claims settled within 3 months in FY 2024–25, based on the latest IRDAI-reported data. This is an insurer-level figure, not a Sarvah Pratham-specific ratio.

Maternity Cover

Classic

Maternity/childbirth is excluded. The current Care Classic page specifically excludes expenses attributable to childbirth, including complicated deliveries and Caesarean sections, except ectopic pregnancy.

VS

Sarvah Pratham

Not available under Sarvah Pratham.

Insurance Plans Comparison

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Insurance Plans Comparison

Explore Insurance Category

Senior Citizen Health Plan

Senior Citizen Health Plan

  • Secure against age-related medical costs

  • Tailored for seniors healthcare needs

Most Popular

Family Health Plan

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

Maternity Health Plan

  • Covers delivery, newborn care, and maternity expenses

  • Reduces financial stress of childbirth costs

Insurance Plans Comparison

Frequently Asked Questions (FAQs)

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