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Insurance Plans Comparison

Care Supreme Super Saver 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 Super Saver

Care Supreme Super Saver offers health insurance coverage with unlimited automatic recharge, cumulative bonus options, modern treatment coverage and wellness benefits, subject to the selected benefits and policy terms.

What Makes It Special:

Care Supreme Super Saver offers health insurance coverage for individuals and families, with benefits including hospitalisation, daycare procedures, modern treatments, AYUSH treatment, domiciliary hospitalisation and unlimited automatic recharge. Customers can also choose eligible optional benefits for enhanced cumulative bonuses, non-payable hospital expense coverage, OPD consultations and modifications to the pre-existing...

Best For:

  • Individuals looking for optional OPD consultations and wellness benefits.

  • Customers interested in optional coverage for listed non-payable hospital expenses.

  • People who want to build additional coverage through cumulative bonus benefits.

  • Customers looking for unlimited automatic recharge for eligible medical claims.

  • Individuals and families seeking comprehensive hospitalisation coverage.

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

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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

  • Understand renewal discounts: Check the healthy-day requirements and other conditions that determine eligibility for wellness-linked renewal discounts.

  • Evaluate optional benefits: Compare the cost and coverage of OPD, Claim Shield, wellness benefits and other available add-ons.

  • Review waiting periods: Consider the initial, named-ailment and pre-existing disease waiting periods.

  • Compare bonus options: Understand the standard cumulative bonus and optional enhancements before choosing.

  • Choose your sum insured: Compare available coverage amounts against your healthcare needs, family size 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

Supreme Super Saver
Supreme Super Saver

Health Insurance Plan

VS
Sarvah Pratham
Sarvah Pratham

Health Insurance Plan

Room Rent

Supreme Super Saver

Room rent is covered up to the sum insured, subject to the policy’s room eligibility and applicable terms.

VS

Sarvah Pratham

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

ICU Charges

Supreme Super Saver

ICU expenses are covered up to the sum insured, subject to the applicable policy terms.


VS

Sarvah Pratham

Covered up to the Sum Insured.

Disease-wise sublimits

Supreme Super Saver

No sublimits on modern or conventional treatments. Individual treatments and claims remain subject to policy exclusions, definitions and other applicable conditions.

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.

Co-payment

Supreme Super Saver

Optional Care OPD has specified co-payments: 10% for general physician consultations under one listed option and 5% for specialist consultations under that option. Check the selected policy schedule for any other applicable co-payment.

VS

Sarvah Pratham

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

Cashless Healthcare Providers

Supreme Super Saver

Cashless treatment is available at eligible network hospitals, subject to network participation, pre-authorisation and policy terms.

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 Super Saver

Unlimited Automatic Recharge is available for related and unrelated illnesses, including repeated use for the same illness, 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 Super Saver

Standard cumulative bonus: 50% of the sum insured per year, up to a maximum of 100% of the sum insured. The accumulated bonus does not reduce due to claims, subject to policy conditions. The optional Cumulative Bonus Super can increase the bonus by up to 100% of the sum insured per year, up to 500%.

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 Super Saver

All eligible daycare procedures 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 Super Saver

The optional Claim Shield benefit covers expenses relating to 68 listed non-payable items during hospitalisation. Claim Shield+ offers a broader list of eligible non-payable items under the applicable add-on terms. These benefits are optional and subject to additional premium.

VS

Sarvah Pratham

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

AYUSH Treatment

Supreme Super Saver

Eligible AYUSH treatment is covered up to 100% of the sum insured, subject to policy terms.

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 Super Saver

30 days from policy inception for illnesses. This waiting period does not apply to eligible accident-related claims.

VS

Sarvah Pratham

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

Specific Waiting Period

Supreme Super Saver

24 months for named ailments, subject to the policy’s list of covered conditions and applicable exceptions.

VS

Sarvah Pratham

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

PED Waiting Period

Supreme Super Saver

36 months for pre-existing diseases under the standard waiting-period terms. The optional Modification of PED Waiting Period can reduce this to 1 or 2 years, as selected and accepted under the policy.

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 Super Saver

Covers eligible modern and conventional treatments up to the sum insured, with no sublimits stated for these treatments in the brochure, 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 Super Saver

One health check-up per insured person per policy year, subject to the policy terms.

VS

Sarvah Pratham

Available as an optional cover.

Pre-Hospitalisation

Supreme Super Saver

Eligible medical expenses incurred up to 60 days before hospitalisation are covered, subject to policy conditions.

VS

Sarvah Pratham

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

Post-Hospitalisation

Supreme Super Saver

Eligible post-hospitalisation medical expenses are covered for up to 180 days after discharge, subject to policy conditions.

VS

Sarvah Pratham

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

Outpatient Department Cover (OPD Expense)

Supreme Super Saver

Care OPD is an optional add-on policy. Depending on the applicable option and zone, it provides up to four physical consultations with a general physician and up to four consultations with specified specialists per insured person per policy year, subject to consultation limits and co-payments.

VS

Sarvah Pratham

Not covered under the base plan.

Deductible Option

Supreme Super Saver

A standard deductible option is not specified in the uploaded brochure. Review the current quote and policy schedule for any applicable deductible.

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 Super Saver

Individual cover for up to 6 persons or family floater cover for up to 2 adults and 2 children, subject to eligibility.

VS

Sarvah Pratham

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

Claim Settlement Ratio

Supreme Super Saver

Use Care Health Insurance’s verified insurer-level claim settlement ratio for the relevant financial year.

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 Super Saver

Maternity expenses are not listed as a standard base benefit in the brochure. Certain services or discounts may be available through optional Care OPD or network wellness services, but these should not be treated as maternity insurance coverage.

VS

Sarvah Pratham

Not available under Sarvah Pratham.

Insurance Plans Comparison

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