Insurance Plans Comparison
Care Supreme Enhance vs ManipalCigna Sarvah Pratham
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreSupreme Enhance
High-deductible super top-up health insurance with flexible coverage options, cumulative bonus and unlimited automatic recharge.
What Makes It Special:
Care Supreme Enhance is a super top-up health insurance plan designed to provide additional financial protection against high medical expenses after the selected aggregate deductible is met. It offers flexible sum insured options, coverage for eligible hospitalisation and daycare treatments, a cumulative bonus of up to 100%, and unlimited automatic...
Best For:
Buyers seeking higher coverage with a cumulative bonus that can increase the sum insured over time.
Policyholders looking for unlimited automatic recharge for eligible hospitalisation claims.
Customers comfortable bearing a chosen aggregate deductible before the super top-up benefit applies.
Families looking to supplement their current health insurance with a higher overall coverage limit.
Individuals seeking additional medical expense protection beyond an existing health insurance policy.
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
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
Understand how the aggregate deductible applies across eligible claims during the policy year before purchasing the plan.
Check room eligibility, exclusions and whether optional benefits are worth the additional premium.
Review the 30-day initial waiting period, 24-month specified illness waiting period and 36-month PED waiting period.
Compare the available sum insured options against potential hospitalisation costs and your existing policy limits.
Choose a deductible that aligns with your existing health cover and your ability to pay out-of-pocket expenses.Choose a deductible that aligns with your existing health cover and your ability to pay out-of-pocket expenses.
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
Supreme Enhance Health Insurance Plan VS VS |
![]() Sarvah Pratham Health Insurance Plan |
| Room Rent |
|---|
Supreme Enhance Eligible room rent is covered up to the most economical single private room category, subject to policy terms. |
VS VS |
Sarvah Pratham Single Private AC Room under the base policy. ICU expenses are covered up to the Sum Insured. |
| ICU Charges |
|---|
Supreme Enhance No separate ICU expense limit; eligible charges are covered up to the sum insured after the applicable deductible. |
VS VS |
Sarvah Pratham Covered up to the Sum Insured. |
| Co-payment |
|---|
Supreme Enhance No standard co-payment percentage is established for this variant in the supplied plan terms. The selected policy schedule governs applicable cost-sharing conditions. |
VS VS |
Sarvah Pratham Optional Voluntary Co-payment of 10%, 20% or 30%. No zonal co-payment applies. |
| Disease-wise sublimits |
|---|
Supreme Enhance No separate sublimits apply to eligible modern or conventional treatments under the stated plan benefits, subject to policy terms and exclusions. |
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 |
|---|
Supreme Enhance The insurer lists 22,100+ cashless healthcare providers on its product website. Network availability may change. |
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 |
|---|
Supreme Enhance Unlimited automatic recharge of the sum insured during a policy year for eligible related or unrelated illnesses, subject to policy terms. |
VS VS |
Sarvah Pratham Optional: Unlimited restoration of the Base Sum Insured for related and unrelated illnesses/injuries during the policy year. |
| Cumulative Bonus |
|---|
Supreme Enhance Increases the sum insured by 10% annually, up to 100% of the base sum insured. The accrued bonus is not reduced due to claims. |
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 |
|---|
Supreme Enhance Eligible daycare procedures requiring less than 24 hours of hospitalisation are covered up to the sum insured, subject to policy terms. |
VS VS |
Sarvah Pratham Covered up to the Sum Insured for eligible Day Care Treatment related to the specified illnesses. |
| Consumable Cover |
|---|
Supreme Enhance No separate standard consumables benefit. Non-medical expenses remain subject to applicable policy terms and exclusions. |
VS VS |
Sarvah Pratham Not included in the base cover. Optional: Coverage for Non-Medical Items and Durable Medical Equipment is available. |
| AYUSH Treatment |
|---|
Supreme Enhance Eligible inpatient AYUSH treatment is covered up to the sum insured, subject to applicable conditions. |
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 |
|---|
Supreme Enhance 30 days for illnesses; accidental claims are exempt from the initial waiting period. |
VS VS |
Sarvah Pratham 30 days, applicable under the standard waiting-period structure; accident claims are exempt. |
| Specific Waiting Period |
|---|
Supreme Enhance 24 months for specified illnesses and procedures, subject to the applicable policy terms. |
VS VS |
Sarvah Pratham 24 months for specified diseases/procedures, when the applicable Pratiksha optional cover is opted for. |
| PED Waiting Period |
|---|
Supreme Enhance 36 months for pre-existing diseases, subject to applicable 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 |
|---|
Supreme Enhance Eligible advanced technology treatments are covered up to the sum insured, subject to policy terms. |
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 |
|---|
Supreme Enhance No separate standard annual health check-up benefit is established, |
VS VS |
Sarvah Pratham Available as an optional cover. |
| Pre-Hospitalisation |
|---|
Supreme Enhance Eligible medical expenses are covered for up to 60 days before hospitalisation, subject to policy terms. |
VS VS |
Sarvah Pratham Covered for 90 days immediately before hospitalisation, subject to the policy terms. |
| Post-Hospitalisation |
|---|
Supreme Enhance Eligible medical expenses are covered for up to 90 days after hospitalisation, subject to policy terms. |
VS VS |
Sarvah Pratham Covered for 180 days after discharge, subject to the policy terms. |
| Outpatient Department Cover (OPD Expense) |
|---|
Supreme Enhance Routine OPD expenses are not a standard hospitalisation benefit. E-consultations and healthcare service discounts may be available separately. |
VS VS |
Sarvah Pratham Not covered under the base plan. |
| Deductible Option |
|---|
Supreme Enhance Offers an aggregate deductible selected with the sum insured. Eligible expenses above the deductible are covered, subject to policy terms. |
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 |
|---|
Supreme Enhance Individual and family floater options are available for eligible family members. |
VS VS |
Sarvah Pratham Base Sum Insured options from ₹5 lakh to ₹3 crore. |
| Claim Settlement Ratio |
|---|
Supreme Enhance Care Health Insurance reported a 96.74% insurer-level claim settlement ratio for FY 2024–25. This is an insurer-level metric, not a product-specific ratio. |
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 |
|---|
Supreme Enhance Maternity and childbirth expenses are not covered as a standard benefit. Healthcare service discounts, where available, are not insurance coverage. |
VS VS |
Sarvah Pratham Not available under Sarvah Pratham. |
Insurance Plans Comparison
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