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Insurance Plans Comparison

ManipalCigna Sarvah Param vs Care Supreme Enhance Two

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

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ManipalCigna

Sarvah 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
Care

What Makes It Special:

Care Supreme Enhance 2 is an advanced health insurance plan crafted for superior medical protection. It offers higher sum insured options, covers hospitalization, daycare, pre- and post-hospitalization, and provides cashless treatment. With added wellness benefits and optional riders, it ensures families get holistic, flexible, and affordable healthcare coverage

Best For:

  • Wellness perks and rewards with your policy

  • Daycare and full hospitalization benefits

  • Nationwide cashless hospitalization

  • Higher medical coverage with value-for-money premiums

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

ManipalCigna Sarvah Param

  • 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.

Care Supreme Enhance Two

  • You want customizable add-ons for stronger family security

  • You want health rewards and wellness benefits included

  • You want all-round protection including daycare and post-hospitalization

  • You want cashless access to top hospitals across India.

  • You want superior coverage with higher sum insured

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Sarvah Param
Sarvah Param

Health Insurance Plan

Brochure

Policy Wording

VS
Supreme Enhance Two
Supreme Enhance Two

Health Insurance Plan

Brochure

Policy Wording

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

Supreme Enhance Two

  1. Normal: Single private room
  2. ICU: No Limit
ICU Charges

Sarvah Param

ICU expenses covered up to the Sum Insured, subject to applicable policy terms.


VS

Supreme Enhance Two

No restriction on ICU room rent

Advanced Treatments

Sarvah Param

Information Unavailable

VS

Supreme Enhance Two

  1. Robotic Surgery
  2. Proton Beam Therapy
  3. Cyber Knife Treatment
  4. Stem Cell Therapy 
  5. Targeted and Immunotherapy 
  6. Artificial Organs & Implants
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

Supreme Enhance Two

Only applicable for people above the age of 61.

Disease-wise sublimits

Sarvah Param

Treatment-specific limits may apply as specified in the policy schedule.


VS

Supreme Enhance Two

No

Cashless Healthcare Providers

Sarvah Param

Cashless treatment is available through network providers, subject to the insurer's procedures and policy terms.


VS

Supreme Enhance Two

24800+ network hospitals across India.

Restoration Benefit

Sarvah Param

Unlimited restoration of 100% of the Base Sum Insured is listed, subject to the applicable policy terms.

VS

Supreme Enhance Two

Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses

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

Supreme Enhance Two

Your sum insured increases by 10% every year, maximum up to 100%

Daycare Treatment

Sarvah Param

Eligible daycare procedures are covered up to the Sum Insured, subject to applicable policy terms.


VS

Supreme Enhance Two

Covered under the policy

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

Supreme Enhance Two

Yes

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

Supreme Enhance Two

AYUSH treatment covered under this policy

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

Supreme Enhance Two

30 days

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

Supreme Enhance Two

2 years

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

Supreme Enhance Two

3 years

Modern Treatment

Sarvah Param

Covered as inpatient or daycare treatment, subject to the limits specified in the policy schedule.


VS

Supreme Enhance Two

Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period

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

Supreme Enhance Two

Health check-up is available once every policy year, from day 1 of the policy

Pre-Hospitalisation

Sarvah Param

Covered up to the Sum Insured for 90 days before hospitalisation.


VS

Supreme Enhance Two

You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved

Post-Hospitalisation

Sarvah Param

Covered up to the Sum Insured for 180 days after discharge.


VS

Supreme Enhance Two

You get cover for medical bills up to 90 days after discharge, including physiotherapy if your doctor prescribes it

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

Supreme Enhance Two

OPD expense is not included

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

Supreme Enhance Two

Available

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

Supreme Enhance Two

Available coverage options: 20L to 1cr

Claim Settlement Ratio

Sarvah Param

Not mentioned in the available product reference. Verify separately if this value is required in the CMS.


VS

Supreme Enhance Two

96%

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

Supreme Enhance Two

Not available

Insurance Plans Comparison

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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

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  • From digital onboarding to real-time claim tracking, our platform makes insurance easy, accessible, and stress-free

Insurance Plans Comparison

Explore Insurance Category

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  • Tailored for seniors healthcare needs

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Family Health Plan

Family Health Plan

  • One policy covers the entire family

  • High sum insured with cashless care

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Maternity Health Plan

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  • Covers delivery, newborn care, and maternity expenses

  • Reduces financial stress of childbirth costs

Insurance Plans Comparison

Frequently Asked Questions (FAQs)

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