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Insurance Plans Comparison

Care Super Mediclaim 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

Super Mediclaim

Care Super Mediclaim offers health insurance options focused on specified critical illnesses, cancer, heart conditions and surgical procedures, subject to the selected variant and policy terms.

What Makes It Special:

Care Super Mediclaim is a health insurance product with four specialised variants: Critical Mediclaim, Cancer Mediclaim, Heart Mediclaim and Operation Mediclaim. Each variant is designed around defined medical conditions or procedures and may include hospitalisation, daycare, pre- and post-hospitalisation and other eligible benefits.

Best For:

  • Customers comparing specialised health coverage options alongside their existing health insurance.

  • Individuals seeking insurance for defined surgical procedures.

  • People looking for cover for specified heart-related conditions.

  • Customers seeking financial protection for eligible cancer treatment.

  • Individuals looking for cover focused on specified critical illnesses.

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

  • Assess your overall coverage: Consider whether specialised cover complements your existing health insurance and financial needs.

  • Compare limits and exclusions: Review room eligibility, co-payments, deductibles and variant-specific restrictions.

  • Understand waiting periods: Initial, specified-illness and pre-existing disease waiting periods can affect when benefits become available.

  • Review the covered conditions: Check whether the treatment or diagnosis you want protection for is included.

  • Choose the right variant: Each option covers a different set of illnesses, conditions or procedures.

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

Super Mediclaim
Super Mediclaim

Health Insurance Plan

VS
Sarvah Pratham
Sarvah Pratham

Health Insurance Plan

Room Rent

Super Mediclaim

Room eligibility depends on the sum insured and applicable variant. The official overview lists a single private room for certain sum insured levels and all room categories for higher eligible sum insured levels. Check the current policy schedule for the precise entitlement.

VS

Sarvah Pratham

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

ICU Charges

Super Mediclaim

ICU expenses are covered subject to the sum insured and applicable policy terms. The official product overview lists ICU charges without a separate limit for the displayed variants.

VS

Sarvah Pratham

Covered up to the Sum Insured.

Co-payment

Super Mediclaim

A co-payment option may be available, and the applicable percentage depends on the policy selected. Check the current policy schedule for any mandatory or optional co-payment.

VS

Sarvah Pratham

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

Disease-wise sublimits

Super Mediclaim

Variant-specific conditions, procedures and benefits may have limits. Critical Mediclaim covers specified critical illnesses, Cancer Mediclaim covers eligible cancer-related treatment, Heart Mediclaim covers specified heart conditions, and Operation Mediclaim covers defined surgical procedures.

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

Super Mediclaim

Cashless treatment is available at eligible network hospitals, subject to network status, pre-authorisation and policy conditions. The network may change over time.

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

Super Mediclaim

Automatic recharge may be available as an optional benefit under applicable product versions. It should not be described as a standard or unlimited benefit unless confirmed in the current policy schedule.

VS

Sarvah Pratham

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

Cumulative Bonus

Super Mediclaim

No-claim bonus can increase the sum insured by up to 100% over three consecutive claim-free policy years, subject to the applicable variant’s bonus schedule and claim conditions.

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

Super Mediclaim

Eligible daycare procedures are covered up to the applicable sum insured, subject to the variant’s covered-procedure list and policy terms.

VS

Sarvah Pratham

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

Consumable Cover

Super Mediclaim

Separate comprehensive coverage for non-medical consumables is not established as a standard benefit in the reviewed product overview. Eligible hospital expenses remain subject to policy terms.

VS

Sarvah Pratham

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

AYUSH Treatment

Super Mediclaim

Eligible AYUSH treatment is covered under applicable variants and policy conditions. The historical brochure identifies variant-specific restrictions, including limits for certain treatments.

VS

Sarvah Pratham

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

Initial Waiting Period

Super Mediclaim

Generally 30 days for illnesses from policy inception, except eligible claims arising from accidents, subject to policy terms.

VS

Sarvah Pratham

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

Specific Waiting Period

Super Mediclaim

A 24-month waiting period applies to specified illnesses or procedures where listed in the applicable policy wording. The applicable list depends on the variant.

VS

Sarvah Pratham

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

PED Waiting Period

Super Mediclaim

The historical product information lists a 36-month waiting period for pre-existing diseases. Any available reduction option and the applicable current waiting period must be checked against the selected policy version.

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

Super Mediclaim

Coverage depends on the selected variant and applicable policy terms. Refer to the current variant wording for the eligible advanced procedures and limits.

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

Super Mediclaim

Annual health check-ups are available from the second policy year after continuous coverage, subject to the applicable policy conditions.

VS

Sarvah Pratham

Available as an optional cover.

Pre-Hospitalisation

Super Mediclaim

Eligible medical expenses incurred during the 30 days immediately before hospitalisation are covered, subject to policy terms.

VS

Sarvah Pratham

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

Post-Hospitalisation

Super Mediclaim

Eligible post-hospitalisation medical expenses are covered for up to 60 days after discharge, subject to the policy terms and claim admissibility.

VS

Sarvah Pratham

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

Outpatient Department Cover (OPD Expense)

Super Mediclaim

OPD benefits may be available for eligible covered conditions under the applicable variant and policy limits. Under the historical product information, OPD expenses are linked to an admissible hospitalisation claim for the same illness.

VS

Sarvah Pratham

Not covered under the base plan.

Deductible Option

Super Mediclaim

A deductible option may be available to reduce the premium. Availability, deductible amount and application conditions depend on the selected variant and policy schedule.

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

Super Mediclaim

Available variants include Critical Mediclaim for specified critical illnesses, Cancer Mediclaim for cancer, Heart Mediclaim for specified heart-related conditions and Operation Mediclaim for defined surgical procedures.

VS

Sarvah Pratham

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

Claim Settlement Ratio

Super Mediclaim

Use Care Health Insurance’s insurer-level claim settlement ratio for the relevant financial year. Do not represent it as a product-specific ratio or a guarantee of claim approval.

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

Super Mediclaim

Maternity cover is not identified as a standard benefit in the reviewed Super Mediclaim product overview.

VS

Sarvah Pratham

Not available under Sarvah Pratham.

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