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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...

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Care

Supreme 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
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

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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
Supreme Enhance

Health Insurance Plan

VS
Sarvah Pratham
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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Sarvah Pratham

Not available under Sarvah Pratham.

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Get a dedicated expert managing your claim end-to-end, from hospital admission to approval, including dispute resolution and support

What Our Experts Help You With

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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

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