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Compare Health Insurance Plans

Sarvah Param Vs Criti Shield Family Shield

Insurance Plans Comparison

ManipalCigna Sarvah Param vs ICICI Lombard Criti Shield Family Shield

Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare coverage, benefits, and premiums to find the perfect plan for your needs.

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

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

Criti Shield Family Shield

Cover hospitalisation for specified infectious diseases, including listed vector-borne illnesses such as dengue and malaria, and personal accident benefits for death, disablement and accidental hospital treatment.

What Makes It Special:

ICICI Lombard Family Shield combines defined benefits for specified infectious diseases with personal accident and hospital daily cash benefits. Coverage includes selected vector-borne, viral, gastrointestinal and nervous system infections, along with rabies and tetanus. Additional benefits may be available depending on the options selected and the policy certificate.

Best For:

Customers who understand that this is a benefit-specific policy and not a substitute for comprehensive hospitalisation insurance.
Buyers who want to explore optional benefits such as broken bones or burns cover.
People who value fixed hospital daily cash benefits where selected.
Families seeking additional financial protection against eligible accidental injuries.
Buyers looking for defined benefits for specified infectious diseases.

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.

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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.

ICICI Lombard Criti Shield Family Shield

If you need broad coverage for unrelated illnesses, surgeries and hospital bills, compare this policy with a comprehensive indemnity-based health insurance plan.
Review waiting periods carefully, particularly the 30-day waiting period for infectious disease benefits and the pre-existing disease restriction applicable to hospital daily cash benefits.
Review the personal accident benefit amounts and definitions of disability before relying on the policy for accident protection.
Confirm whether hospital daily cash benefits are included and check the applicable daily limits and eligibility conditions.
Check the list of covered infections and their claim requirements to confirm that the policy addresses your priorities.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Sarvah Param

Health Insurance Plan

Brochure

Policy Wording

VS

Criti Shield Family Shield

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".	Criti Shield Family Shield Normal: Covered Up to Sum Insured ICU: Covered Up to Sum Insured

ICU Charges
Sarvah Param ICU expenses covered up to the Sum Insured, subject to applicable policy terms.	Criti Shield Family Shield ICU-related cash benefits may be available under selected hospital cash benefits; limits depend on the policy certificate.

Advanced Treatments
Sarvah Param Information Unavailable	Criti Shield Family Shield Oral Chemotherapy Robotic Surgeries Stem Cell Therapy

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%.	Criti Shield Family Shield Co payment is applicable as chosen by the insured. It allows the insured to opt for 10% or 20% co-payment.

Disease-wise sublimits
Sarvah Param Treatment-specific limits may apply as specified in the policy schedule.	Criti Shield Family Shield Benefits are defined for specified infections and accident-related events; applicable limits are benefit-specific and should be confirmed in the policy certificate.

Cashless Healthcare Providers
Sarvah Param Cashless treatment is available through network providers, subject to the insurer's procedures and policy terms.	Criti Shield Family Shield 10,000+ Healthcare Providers

Restoration Benefit
Sarvah Param Unlimited restoration of 100% of the Base Sum Insured is listed, subject to the applicable policy terms.	Criti Shield Family Shield No restoration benefit verified.

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.	Criti Shield Family Shield No cumulative bonus benefit verified. The published brochure lists a 5% renewal discount and a family discount of up to 7.5%.

Daycare Treatment
Sarvah Param Eligible daycare procedures are covered up to the Sum Insured, subject to applicable policy terms.	Criti Shield Family Shield Covers medical procedures requiring hospitalization for less than 24 hours, such as cataract surgery or chemotherapy

Consumable Cover
Sarvah Param Covered up to the Base Sum Insured under the optional cover "Coverage for Non-Medical Items and Durable Medical Equipment".	Criti Shield Family Shield Not specified.

AYUSH Treatment
Sarvah Param AYUSH treatment is covered up to the Sum Insured when received at an eligible AYUSH hospital, subject to policy terms.	Criti Shield Family Shield .

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.	Criti Shield Family Shield 30 days for specific infectious disease and hospital daily cash benefits; 0 days for personal accident benefits, as stated in the published brochure.

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.	Criti Shield Family Shield 30 days for specific infectious disease benefits.

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.	Criti Shield Family Shield Two-year pre-existing disease restriction specified for Hospital Daily Cash Benefit; applicability to other benefits must be checked in the policy wording.

Modern Treatment
Sarvah Param Covered as inpatient or daycare treatment, subject to the limits specified in the policy schedule.	Criti Shield Family Shield Not specified as a standalone benefit in the reviewed product information.

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.	Criti Shield Family Shield Not specified.

Pre-Hospitalisation
Sarvah Param Covered up to the Sum Insured for 90 days before hospitalisation.	Criti Shield Family Shield Accidental pre-hospitalisation expenses may be covered under the applicable accident benefit; a general time limit was not verified.

Post-Hospitalisation
Sarvah Param Covered up to the Sum Insured for 180 days after discharge.	Criti Shield Family Shield Accidental pre- and post-hospitalisation expenses may be covered under the applicable accident benefit; a general post-hospitalisation limit was not verified.

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.	Criti Shield Family Shield No general OPD benefit verified. Accident-related diagnostic tests may be covered under the applicable benefit.

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.	Criti Shield Family Shield Any deductible or loss-sharing provision must be confirmed in the policy certificate.

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.	Criti Shield Family Shield Specific infectious disease benefits, personal accident benefits, hospital daily cash benefits and selected additional benefits.

Claim Settlement Ratio
Sarvah Param Not mentioned in the available product reference. Verify separately if this value is required in the CMS.	Criti Shield Family Shield FY 2024-25: ~84%

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.	Criti Shield Family Shield Maternity and pregnancy-termination expenses are listed among exclusions.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Sarvah Param

Health Insurance Plan

Brochure

Policy Wording

VS

Criti Shield Family Shield

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 VS
Criti Shield Family Shield Normal: Covered Up to Sum Insured ICU: Covered Up to Sum Insured

ICU Charges
Sarvah Param ICU expenses covered up to the Sum Insured, subject to applicable policy terms.
VS VS
Criti Shield Family Shield ICU-related cash benefits may be available under selected hospital cash benefits; limits depend on the policy certificate.

Advanced Treatments
Sarvah Param Information Unavailable
VS VS
Criti Shield Family Shield Oral Chemotherapy Robotic Surgeries Stem Cell Therapy

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 VS
Criti Shield Family Shield Co payment is applicable as chosen by the insured. It allows the insured to opt for 10% or 20% co-payment.

Disease-wise sublimits
Sarvah Param Treatment-specific limits may apply as specified in the policy schedule.
VS VS
Criti Shield Family Shield Benefits are defined for specified infections and accident-related events; applicable limits are benefit-specific and should be confirmed in the policy certificate.

Cashless Healthcare Providers
Sarvah Param Cashless treatment is available through network providers, subject to the insurer's procedures and policy terms.
VS VS
Criti Shield Family Shield 10,000+ Healthcare Providers

Restoration Benefit
Sarvah Param Unlimited restoration of 100% of the Base Sum Insured is listed, subject to the applicable policy terms.
VS VS
Criti Shield Family Shield No restoration benefit verified.

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 VS
Criti Shield Family Shield No cumulative bonus benefit verified. The published brochure lists a 5% renewal discount and a family discount of up to 7.5%.

Daycare Treatment
Sarvah Param Eligible daycare procedures are covered up to the Sum Insured, subject to applicable policy terms.
VS VS
Criti Shield Family Shield Covers medical procedures requiring hospitalization for less than 24 hours, such as cataract surgery or chemotherapy

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 VS
Criti Shield Family Shield Not specified.

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 VS
Criti Shield Family Shield .

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 VS
Criti Shield Family Shield 30 days for specific infectious disease and hospital daily cash benefits; 0 days for personal accident benefits, as stated in the published brochure.

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 VS
Criti Shield Family Shield 30 days for specific infectious disease benefits.

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 VS
Criti Shield Family Shield Two-year pre-existing disease restriction specified for Hospital Daily Cash Benefit; applicability to other benefits must be checked in the policy wording.

Modern Treatment
Sarvah Param Covered as inpatient or daycare treatment, subject to the limits specified in the policy schedule.
VS VS
Criti Shield Family Shield Not specified as a standalone benefit in the reviewed product information.

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 VS
Criti Shield Family Shield Not specified.

Pre-Hospitalisation
Sarvah Param Covered up to the Sum Insured for 90 days before hospitalisation.
VS VS
Criti Shield Family Shield Accidental pre-hospitalisation expenses may be covered under the applicable accident benefit; a general time limit was not verified.

Post-Hospitalisation
Sarvah Param Covered up to the Sum Insured for 180 days after discharge.
VS VS
Criti Shield Family Shield Accidental pre- and post-hospitalisation expenses may be covered under the applicable accident benefit; a general post-hospitalisation limit was not verified.

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 VS
Criti Shield Family Shield No general OPD benefit verified. Accident-related diagnostic tests may be covered under the applicable benefit.

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 VS
Criti Shield Family Shield Any deductible or loss-sharing provision must be confirmed in the policy certificate.

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 VS
Criti Shield Family Shield Specific infectious disease benefits, personal accident benefits, hospital daily cash benefits and selected additional benefits.

Claim Settlement Ratio
Sarvah Param Not mentioned in the available product reference. Verify separately if this value is required in the CMS.
VS VS
Criti Shield Family Shield FY 2024-25: ~84%

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 VS
Criti Shield Family Shield Maternity and pregnancy-termination expenses are listed among exclusions.

Insurance Plans Comparison

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Pure advice, no unwanted calls, no unnecessary push

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Covers delivery, newborn care, and maternity expenses
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Criti Shield Family Shield vs Activ One Vytl

Criti Shield Family Shield vs Supreme

Criti Shield Family Shield vs Freedom

Criti Shield Family Shield vs Sarvah Pratham

Criti Shield Family Shield vs Joy Today

Criti Shield Family Shield vs Medi Classic

Criti Shield Family Shield vs Activate Booster Plan B

Criti Shield Family Shield vs Aspire Gold+

Criti Shield Family Shield vs Health Gain

Criti Shield Family Shield vs Aspire Platinum+

Criti Shield Family Shield vs Plus Complete

Criti Shield Family Shield vs Health Companion Family First Plan

Criti Shield Family Shield vs Reassure 2.0 Platinum+

Criti Shield Family Shield vs Reassure 3.0 Elite

Criti Shield Family Shield vs Enhance Super Top-up One

Criti Shield Family Shield vs Joy Tomorrow

Criti Shield Family Shield vs Reassure 3.0 Select

Criti Shield Family Shield vs Activ One VIP+

Criti Shield Family Shield vs Red Carpet Senior Citizens

Criti Shield Family Shield vs Super Surplus Gold

Criti Shield Family Shield vs Health SuperCharge

Criti Shield Family Shield vs Health Elite Plus

Criti Shield Family Shield vs Medicare Premier

Criti Shield Family Shield vs Family Health Optima

Criti Shield Family Shield vs Health Companion Variant 2022

Criti Shield Family Shield vs Health Companion Variant 3

Criti Shield Family Shield vs Plus Youth

Criti Shield Family Shield vs ProHealth Prime Advantage

Criti Shield Family Shield vs Critical Illness Silver Plan

Criti Shield Family Shield vs Health Premia Gold

Criti Shield Family Shield vs Health Premia Platinum

Criti Shield Family Shield vs Comprehensive

Criti Shield Family Shield vs HeartBeat Enhanced

Criti Shield Family Shield vs Reassure

Criti Shield Family Shield vs Complete Health Insurance Health Shield Plus Plan

Criti Shield Family Shield vs myHealth Suraksha Platinum

Criti Shield Family Shield vs Health Recharge Super Top Up Plan

Criti Shield Family Shield vs Supreme Value for Money

Criti Shield Family Shield vs Supreme Enhance Two

Criti Shield Family Shield vs Supreme Senior Super

Criti Shield Family Shield vs Supreme Enhance

Criti Shield Family Shield vs Reassure 2.0 Gold

Criti Shield Family Shield vs Active Fit Preferred

Criti Shield Family Shield vs LifeTime Health

Criti Shield Family Shield vs Medicare

Criti Shield Family Shield vs ProHealth Prime Active

Criti Shield Family Shield vs ProHealth Prime Senior Elite

Criti Shield Family Shield vs Advanced Top Up

Criti Shield Family Shield vs Multiplier Health

Criti Shield Family Shield vs Ultimate (Direct)

Criti Shield Family Shield vs Young Star

Criti Shield Family Shield vs Star Women Care Policy

Criti Shield Family Shield vs Health Assurance

Criti Shield Family Shield vs Family Plus

Criti Shield Family Shield vs Sarvah Param

Criti Shield Family Shield vs Optima Insurance

Criti Shield Family Shield vs Smart Super Health Assure

Criti Shield Family Shield vs Criti Shield Plus

Criti Shield Family Shield vs Health Care Supreme Ultimo

Criti Shield Family Shield vs Super Star

Criti Shield Family Shield vs Reassure 3.0 Black

Criti Shield Family Shield vs Health Guard Platinum

Criti Shield Family Shield vs Health Guard Gold

Criti Shield Family Shield vs Elevate (Direct)

Criti Shield Family Shield vs Senior First Platinum

Criti Shield Family Shield vs Extra Care Plus Super Top-up

Criti Shield Family Shield vs Health Care Supreme Smart

Criti Shield Family Shield vs Medi Classic Gold

Criti Shield Family Shield vs Smart Health Pro

Criti Shield Family Shield vs Optima Super Secure

Criti Shield Family Shield vs Optima Secure Global

Criti Shield Family Shield vs Special Care

Criti Shield Family Shield vs Medicare LITE

Criti Shield Family Shield vs NextGen

Criti Shield Family Shield vs Health Shield 360

Criti Shield Family Shield vs SecureHealth

Criti Shield Family Shield vs Energy Silver With Copay

Criti Shield Family Shield vs Supreme (Direct)

Criti Shield Family Shield vs Plus

Criti Shield Family Shield vs Medicare Select

Criti Shield Family Shield vs Complete Health Insurance Health Protect Plus Plan

Criti Shield Family Shield vs myHealth Koti Suraksha

Criti Shield Family Shield vs Senior

Criti Shield Family Shield vs myHealth Suraksha Silver

Criti Shield Family Shield vs Health Booster

Criti Shield Family Shield vs Complete Health Insurance Health Shield

Criti Shield Family Shield vs Cardiac Care Platinum

Criti Shield Family Shield vs Royal Sundaram Lifeline Elite

Criti Shield Family Shield vs HeartBeat Platinum

Criti Shield Family Shield vs Supreme Enhance One

Criti Shield Family Shield vs HeartBeat Gold

Criti Shield Family Shield vs Health Companion Variant 2

Criti Shield Family Shield vs Health Companion Variant 1

Criti Shield Family Shield vs Aspire Titanium+

Criti Shield Family Shield vs iHealth Plus

Criti Shield Family Shield vs Reassure 3.0 Classic

Criti Shield Family Shield vs Senior Health Advantage

Criti Shield Family Shield vs Health Wallet

Criti Shield Family Shield vs Elevate

Criti Shield Family Shield vs Heart

Criti Shield Family Shield vs Reassure 2.0 Titanium+

Criti Shield Family Shield vs Diabetes Safe Plan A

Criti Shield Family Shield vs Reassure 2.0 Bronze+

Criti Shield Family Shield vs Young Star Silver

Criti Shield Family Shield vs Enhance Super Top-up

Criti Shield Family Shield vs Joy

Criti Shield Family Shield vs Health Elite

Criti Shield Family Shield vs Supreme Senior Health AdvantEdge

Criti Shield Family Shield vs Health AdvantEdge

Criti Shield Family Shield vs Supreme Super Saver

Criti Shield Family Shield vs Health Insurance Platinum

Criti Shield Family Shield vs Supreme Senior Premium

Criti Shield Family Shield vs Energy Silver Without Copay

Criti Shield Family Shield vs Ultimate

Criti Shield Family Shield vs EquiCover

Criti Shield Family Shield vs Optima Secure Global Plus

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