Insurance Plans Comparison
Care Plus Youth vs ManipalCigna Sarvah Pratham
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read morePlus Youth
Care Plus Youth is a health insurance plan for young adults, offering hospitalisation cover, unlimited automatic recharge, OPD benefits and protection against rising medical costs.
What Makes It Special:
Care Plus Youth is designed for young adults, with individual and family floater options. Its benefits include hospitalisation, OPD consultations and dental and eye treatments, No Claim Bonus Protect, Inflation Shield and unlimited automatic recharge, subject to policy terms.
Best For:
Couples or families considering optional maternity and newborn cover.
Individuals looking for automatic recharge and a no-claim bonus.
Customers who value OPD consultations and dental and eye treatment benefits.
People who want hospitalisation and eligible daycare treatment cover.
Young adults looking to buy individual health insurance early.
VS
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
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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
If you need maternity cover, verify eligibility, the 24-month waiting period and the applicable benefit limit.
Check the OPD limits and whether the optional Smart Select benefit suits your preferred hospitals.
Review room-rent and ICU limits based on your chosen sum insured.
Check the 30-day initial waiting period, 24-month named-ailment waiting period and 36-month PED waiting period.
Choose a sum insured that suits your healthcare needs and budget.
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
Plus Youth Health Insurance Plan VS VS |
![]() Sarvah Pratham Health Insurance Plan |
| Room Rent |
|---|
Plus Youth For sum insured below ₹5 lakh, room rent is limited to 1% of the sum insured per day. For sum insured of ₹5 lakh or above, the brochure lists a single private AC room. |
VS VS |
Sarvah Pratham Single Private AC Room under the base policy. ICU expenses are covered up to the Sum Insured. |
| ICU Charges |
|---|
Plus Youth For sum insured below ₹5 lakh, ICU charges are limited to 2% of the sum insured per day. For sum insured of ₹5 lakh or above, the brochure states no ICU charge limit. |
VS VS |
Sarvah Pratham Covered up to the Sum Insured. |
| Co-payment |
|---|
Plus Youth The Smart Select optional benefit offers a 15% discount on the base benefit premium and eligible maternity/newborn premium. If treatment is taken at a non-Smart Select network hospital, a 20% co-payment per claim applies under this option. |
VS VS |
Sarvah Pratham Optional Voluntary Co-payment of 10%, 20% or 30%. No zonal co-payment applies. |
| Disease-wise sublimits |
|---|
Plus Youth Room-rent, ICU and benefit-specific limits apply. OPD, ambulance and optional maternity/newborn cover have defined monetary limits. Review the policy schedule for other applicable restrictions. |
VS 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 |
|---|
Plus Youth Cashless treatment is available through eligible network hospitals, subject to network status, pre-authorisation and policy conditions. Confirm the current hospital count before publishing a number. |
VS 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 |
|---|
Plus Youth Unlimited Automatic Recharge is included as a listed base benefit. It can replenish the sum insured for eligible claims, subject to the policy’s recharge conditions. |
VS VS |
Sarvah Pratham Optional: Unlimited restoration of the Base Sum Insured for related and unrelated illnesses/injuries during the policy year. |
| Cumulative Bonus |
|---|
Plus Youth No Claim Bonus Protect increases the sum insured by 50% per claim-free policy year, up to 200% of the sum insured. If the total claim amount in a policy year is below 25% of the applicable sum insured, the accrued bonus is not reduced in the subsequent year. If the claim amount reaches or exceeds 25%, the accrued bonus may reduce according to the policy terms. |
VS 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 |
|---|
Plus Youth All eligible daycare procedures are covered up to the sum insured, subject to the policy’s definitions and exclusions. |
VS VS |
Sarvah Pratham Covered up to the Sum Insured for eligible Day Care Treatment related to the specified illnesses. |
| Consumable Cover |
|---|
Plus Youth A separate comprehensive consumables benefit is not specified in the uploaded brochure. |
VS VS |
Sarvah Pratham Not included in the base cover. Optional: Coverage for Non-Medical Items and Durable Medical Equipment is available. |
| AYUSH Treatment |
|---|
Plus Youth Eligible AYUSH treatment is covered up to the sum insured, subject to the policy wording. |
VS VS |
Sarvah Pratham Covered up to the Sum Insured for eligible treatment related to the specified illnesses, subject to policy terms. |
| Initial Waiting Period |
|---|
Plus Youth 30 days from policy commencement for illnesses, except claims arising from accidents, as specified in the brochure. |
VS VS |
Sarvah Pratham 30 days, applicable under the standard waiting-period structure; accident claims are exempt. |
| Specific Waiting Period |
|---|
Plus Youth 24 months for named ailments and procedures, subject to the policy wording and applicable exclusions. |
VS VS |
Sarvah Pratham 24 months for specified diseases/procedures, when the applicable Pratiksha optional cover is opted for. |
| PED Waiting Period |
|---|
Plus Youth 36 months for pre-existing diseases, subject to disclosure, acceptance and policy terms. |
VS 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 |
|---|
Plus Youth Covers eligible advanced technology treatments up to the sum insured, subject to policy terms, exclusions and applicable treatment definitions. |
VS 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 |
|---|
Plus Youth Available for adult insured members, subject to the applicable policy terms. |
VS VS |
Sarvah Pratham Available as an optional cover. |
| Pre-Hospitalisation |
|---|
Plus Youth Eligible medical expenses are covered for up to 60 days before an admissible hospitalisation, up to the sum insured. |
VS VS |
Sarvah Pratham Covered for 90 days immediately before hospitalisation, subject to the policy terms. |
| Post-Hospitalisation |
|---|
Plus Youth Eligible medical expenses are covered for up to 90 days after discharge from an admissible hospitalisation, up to the sum insured. |
VS VS |
Sarvah Pratham Covered for 180 days after discharge, subject to the policy terms. |
| Outpatient Department Cover (OPD Expense) |
|---|
Plus Youth Outpatient consultations and outpatient dental and ophthalmic treatments are covered within specified limits. For sum insured of ₹5 lakh–₹7 lakh, the brochure lists up to ₹1,500; for ₹10 lakh–₹25 lakh, up to ₹2,500. Consultation limits are ₹350 per consultation. |
VS VS |
Sarvah Pratham Not covered under the base plan. |
| Deductible Option |
|---|
Plus Youth No deductible option is listed in the uploaded brochure’s optional-benefit section. |
VS 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 |
|---|
Plus Youth Available as individual or family floater cover, with annual sum insured options listed from ₹3 lakh to ₹25 lakh. The brochure lists several family combinations. |
VS VS |
Sarvah Pratham Base Sum Insured options from ₹5 lakh to ₹3 crore. |
| Claim Settlement Ratio |
|---|
Plus Youth This is an insurer-level metric, not a product-specific ratio. Use Care Health Insurance’s verified latest financial-year claim settlement figure if required; the uploaded brochure does not provide one. |
VS 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 |
|---|
Plus Youth Optional maternity and newborn cover: ₹15,000 for sum insured up to ₹5 lakh and ₹25,000 for sum insured above ₹5 lakh. Available only under specified family-floater combinations, with a 24-month waiting period and eligibility conditions. |
VS VS |
Sarvah Pratham Not available under Sarvah Pratham. |
Insurance Plans Comparison
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