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ICICI Lombard Health Booster SuperTopup Individual Adult 1 Year N vs ManipalCigna Sarvah Param

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ICICI Lombard

Health Booster SuperTopup Individual Adult 1 Year N

Additional health insurance protection for eligible hospitalisation expenses beyond a selected deductible.

What Makes It Special:

Health Booster is a Super Top-up health insurance product intended to provide additional protection against eligible medical expenses once the applicable aggregate deductible is crossed.

Best For:

  • Individuals comparing top-up options based on deductible, sum insured, waiting periods and covered hospitalisation expenses.

  • Buyers comfortable with a Super Top-up structure in which eligible expenses are aggregated during the policy year.

  • Individuals who can manage eligible medical expenses falling within the deductible.

  • Adults who already have a base health insurance policy and want an additional layer of medical expense protection.

  • Individuals seeking additional protection against high hospitalisation expenses beyond a chosen deductible.

VS
ManipalCigna

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.

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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

  • Verify the exact UIN, policy schedule, deductible and included benefits for the “SuperTopup Individual Adult 1 Year N” variant before purchasing.

  • Confirm that the applicable policy covers the treatments and hospital expenses you expect to claim, including any relevant exclusions or limits.

  • Review the initial, specific-disease and pre-existing disease waiting periods before relying on the policy for planned treatment.

  • Compare the selected sum insured with the potential cost of major hospitalisation before choosing the cover amount.

  • Check whether the deductible is aligned with your existing health insurance cover and the amount you could pay yourself.

  • 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.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Health Booster SuperTopup Individual Adult 1 Year N
Health Booster SuperTopup Individual Adult 1 Year N

Health Insurance Plan

Brochure

VS
Sarvah Param
Sarvah Param

Health Insurance Plan

Room Rent

Health Booster SuperTopup Individual Adult 1 Year N

Room rent forms part of eligible in-patient hospitalisation expenses; any specific limits for this variant are not verified.

VS

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".


ICU Charges

Health Booster SuperTopup Individual Adult 1 Year N

Covered as part of eligible in-patient hospitalisation expenses, subject to the deductible and policy terms.

VS

Sarvah Param

ICU expenses covered up to the Sum Insured, subject to applicable policy terms.


Co-payment

Health Booster SuperTopup Individual Adult 1 Year N

Not verified for this exact variant.

VS

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%.


Disease-wise sublimits

Health Booster SuperTopup Individual Adult 1 Year N

Not verified for this exact variant. Refer to the applicable policy schedule for any benefit-specific limits.

VS

Sarvah Param

Treatment-specific limits may apply as specified in the policy schedule.


Cashless Healthcare Providers

Health Booster SuperTopup Individual Adult 1 Year N

Cashless treatment is available at eligible network hospitals, subject to policy terms and hospital status. The current network count has not been verified.

VS

Sarvah Param

Cashless treatment is available through network providers, subject to the insurer's procedures and policy terms.


Restoration Benefit

Health Booster SuperTopup Individual Adult 1 Year N

The insurer's general Health Booster information describes a reset of up to 100% of the sum insured once per policy year for eligible plans with a sum insured/deductible of ₹3 lakh or more. It applies to future eligible claims, does not trigger for the first claim and has restrictions for claims related to the same illness, disease or injury for the same person. Applicability to this exact variant is not verified.

VS

Sarvah Param

Unlimited restoration of 100% of the Base Sum Insured is listed, subject to the applicable policy terms.

Cumulative Bonus

Health Booster SuperTopup Individual Adult 1 Year N

The insurer's general Health Booster FAQ describes an Additional Sum Insured of 10% of the base sum insured for each claim-free renewal year, up to 50%; a claim can reduce the accrued amount. Applicability to this exact variant is not verified.

VS

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.


Daycare Treatment

Health Booster SuperTopup Individual Adult 1 Year N

Eligible daycare procedures are listed in the insurer's Health Booster key information, subject to policy terms.

VS

Sarvah Param

Eligible daycare procedures are covered up to the Sum Insured, subject to applicable policy terms.


Consumable Cover

Health Booster SuperTopup Individual Adult 1 Year N

Not verified for this exact variant.

VS

Sarvah Param

Covered up to the Base Sum Insured under the optional cover "Coverage for Non-Medical Items and Durable Medical Equipment".


AYUSH Treatment

Health Booster SuperTopup Individual Adult 1 Year N

In-patient AYUSH hospitalisation is listed in the insurer's published Health Booster key information, subject to policy terms. Applicability to this exact variant is not verified.

VS

Sarvah Param

AYUSH treatment is covered up to the Sum Insured when received at an eligible AYUSH hospital, subject to policy terms.


Initial Waiting Period

Health Booster SuperTopup Individual Adult 1 Year N

30 days for illnesses, except hospitalisation due to bodily injury, according to the insurer's general Health Booster information. Applicability to this exact variant should be confirmed.

VS

Sarvah Param

No initial waiting period applies by default. A 30-day initial waiting period applies only if the optional cover "Pratiksha" is opted.


Specific Waiting Period

Health Booster SuperTopup Individual Adult 1 Year N

24 months for specified illnesses and treatments, subject to the policy wording.

VS

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.


PED Waiting Period

Health Booster SuperTopup Individual Adult 1 Year N

24 months of continuous coverage for pre-existing diseases declared and accepted by the insurer, according to the general Health Booster information.

VS

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.


Modern Treatment

Health Booster SuperTopup Individual Adult 1 Year N

Not verified for this exact variant.

VS

Sarvah Param

Covered as inpatient or daycare treatment, subject to the limits specified in the policy schedule.


Annual Health Checkup

Health Booster SuperTopup Individual Adult 1 Year N

The insurer's published Health Booster information mentions wellness and preventive healthcare, including routine health check-ups. Availability and limits for this exact variant are not verified.

VS

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.


Pre-Hospitalisation

Health Booster SuperTopup Individual Adult 1 Year N

Eligible expenses are covered for up to 60 days before hospitalisation, subject to policy terms.

VS

Sarvah Param

Covered up to the Sum Insured for 90 days before hospitalisation.


Post-Hospitalisation

Health Booster SuperTopup Individual Adult 1 Year N

Eligible expenses are covered for up to 90 days after hospitalisation, subject to policy terms.

VS

Sarvah Param

Covered up to the Sum Insured for 180 days after discharge.


Outpatient Department Cover (OPD Expense)

Health Booster SuperTopup Individual Adult 1 Year N

Routine OPD coverage is not verified for this exact variant.

VS

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.


Deductible Option

Health Booster SuperTopup Individual Adult 1 Year N

A deductible applies before eligible base medical claims become payable. For a Super Top-up plan, the deductible is applied to aggregate eligible hospitalisation expenses during the policy year; the amount for this variant is not verified.

VS

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.


Coverage Options

Health Booster SuperTopup Individual Adult 1 Year N

The selected sum insured, deductible and policy configuration for this variant are not verified.

VS

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.


Claim Settlement Ratio

Health Booster SuperTopup Individual Adult 1 Year N

FY 24-25: ~84%

VS

Sarvah Param

Not mentioned in the available product reference. Verify separately if this value is required in the CMS.


Maternity Cover

Health Booster SuperTopup Individual Adult 1 Year N

Not verified for this exact variant; not listed among the standard benefits in the referenced Health Booster key information.

VS

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.


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Health Booster Supertopup Individual Adult 1 Year N Vs Sarvah Param

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