Oneassure

Partner with us

Insurance Plans Comparison

ManipalCigna Sarvah Pratham vs ICICI Lombard Criti Shield Family Shield

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

Read more
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

VS
ICICI Lombard

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.

Quick Decision Guide

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.

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 Pratham
Sarvah Pratham

Health Insurance Plan

Brochure

Policy Wording

VS
Criti Shield Family Shield
Criti Shield Family Shield

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Sarvah Pratham

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

VS

Criti Shield Family Shield

  1. Normal: Covered Up to Sum Insured
  2. ICU: Covered Up to Sum Insured
ICU Charges

Sarvah Pratham

Covered up to the Sum Insured.

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 Pratham

Information Unavailable

VS

Criti Shield Family Shield

  1. Oral Chemotherapy 
  2. Robotic Surgeries 
  3. Stem Cell Therapy 
Co-payment

Sarvah Pratham

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

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 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.

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.

Restoration Benefit

Sarvah Pratham

Optional: Unlimited restoration of the Base Sum Insured for related and unrelated illnesses/injuries during the policy year.

VS

Criti Shield Family Shield

No restoration benefit verified.

Cashless Healthcare Providers

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.

VS

Criti Shield Family Shield

10,000+ Healthcare Providers

Cumulative Bonus

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.

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 Pratham

Covered up to the Sum Insured for eligible Day Care Treatment related to the specified illnesses.

VS

Criti Shield Family Shield

Covers medical procedures requiring hospitalization for less than 24 hours, such as cataract surgery or chemotherapy​

Consumable Cover

Sarvah Pratham

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

VS

Criti Shield Family Shield

Not specified.

AYUSH Treatment

Sarvah Pratham

Covered up to the Sum Insured for eligible treatment related to the specified illnesses, subject to policy terms.

VS

Criti Shield Family Shield

.

Initial Waiting Period

Sarvah Pratham

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

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 Pratham

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

VS

Criti Shield Family Shield

30 days for specific infectious disease benefits.

PED Waiting Period

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.

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 Pratham

Covered for listed Modern and Advanced Treatments for the specified illnesses, subject to the applicable limits in the Policy Schedule.

VS

Criti Shield Family Shield

Not specified as a standalone benefit in the reviewed product information.

Annual Health Checkup

Sarvah Pratham

Available as an optional cover.

VS

Criti Shield Family Shield

Not specified.

Pre-Hospitalisation

Sarvah Pratham

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

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 Pratham

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

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 Pratham

Not covered under the base plan.

VS

Criti Shield Family Shield

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

Deductible Option

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.

VS

Criti Shield Family Shield

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

Coverage Options

Sarvah Pratham

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

VS

Criti Shield Family Shield

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

Claim Settlement Ratio

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.

VS

Criti Shield Family Shield

FY 2024-25: ~84%


Maternity Cover

Sarvah Pratham

Not available under Sarvah Pratham.

VS

Criti Shield Family Shield

Maternity and pregnancy-termination expenses are listed among exclusions.

Insurance Plans Comparison

Still Confused? Get Expert Advice

Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.

Why Choose Our Expert Consultation?

End-to-End Support

End-to-End Support

From choosing the right policy to managing claims, every step is handled for you

Zero Spam. Zero Hassle

Zero Spam. Zero Hassle

Pure advice, no unwanted calls, no unnecessary push

Free Expert Consultation

Free Expert Consultation

Talk to experienced advisors at no cost, and make confident decisions

24/7 Claim Assistance

24/7 Claim Assistance

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

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

Smart, Tech-Enabled Experience

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

Insurance Plans Comparison

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

Insurance Plans Comparison

Frequently Asked Questions (FAQs)

Having questions? We've got answers. Explore our FAQs to find the information you need.

1-5 of 10 FAQs

Compare With Other Health Insurance Plans

Sarvah Pratham vs Supreme Senior Premium

Sarvah Pratham vs Energy Silver Without Copay

Sarvah Pratham vs Ultimate

Sarvah Pratham vs EquiCover

Sarvah Pratham vs Optima Secure Global Plus

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

Oneassure

Health Insurance

Compare Health Insurance Plans

Sarvah Pratham Vs Criti Shield Family Shield

Policy Pal

Chat with PolicyPal

Get a free policy review

No pressure. No product push. Just honest advice.