Oneassure

Partner with us

Insurance Plans Comparison

ICICI Lombard Health Elite vs ManipalCigna Sarvah Pratham

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

Read more
ICICI Lombard

Health Elite

Include maternity after 3 years and outpatient treatment, pay hospital daily cash for a stay of at least 3 days, and add a 10% cumulative bonus each claim-free year, up to 50% of the sum insured.

What Makes It Special:

ICICI Lombard Health Elite is a comprehensive health insurance option with benefits that may include in-patient treatment, daycare procedures, pre- and post-hospitalisation expenses, outpatient treatment and maternity cover, depending on the applicable policy version and selected configuration.

Best For:

  • Buyers comparing sum insured options, reset benefits, waiting periods and policy-specific restrictions before choosing a plan.

  • Families evaluating maternity and newborn-related benefits, subject to eligibility and waiting periods.

  • Individuals who want to compare available outpatient treatment benefits and their applicable limits.

  • Buyers looking for a policy with additional healthcare benefits beyond basic hospitalisation cover.

  • Individuals seeking health insurance for eligible hospitalisation and daycare expenses.

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

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

ICICI Lombard Health Elite

  • Match the policy UIN and schedule to the exact Health Elite version being offered, because benefits may differ between versions.

  • Confirm whether outpatient treatment, maternity and newborn benefits are included in your chosen configuration and check their limits.

  • Review waiting periods for pre-existing diseases, specified treatments and maternity benefits before relying on the policy.

  • Check room eligibility, hospitalisation limits and exclusions to understand the expenses the policy may leave you paying.

  • Choose a sum insured that reflects potential hospitalisation expenses and the number of people covered.

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

Health Elite
Health Elite

Health Insurance Plan

Brochure

Policy Wording

VS
Sarvah Pratham
Sarvah Pratham

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Health Elite

Information Unavailable

VS

Sarvah Pratham

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

Advanced Treatments

Health Elite

  1. Stem Cell Therapy
  2. Robotic Surgeries
  3. Oral Chemotherapy
  4. Deep Brain Stimulation
  5. Bronchial Thermoplasty
  6. Intra Operative Neuro Monitoring (IONM)
VS

Sarvah Pratham

Information Unavailable

ICU Charges

Health Elite

Covered under eligible in-patient hospitalisation, subject to the applicable sum insured and policy conditions.

VS

Sarvah Pratham

Covered up to the Sum Insured.

Co-payment

Health Elite

Policyholders can opt for a co-payment of 10% or 20%, sharing a fixed percentage of the claim amount, which can help reduce premium costs.

VS

Sarvah Pratham

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

Disease-wise sublimits

Health Elite

Specific limits depend on the applicable policy wording, sum insured and benefit configuration. A complete variant-specific list has not been verified.

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

Health Elite

Access to over 6,700 network hospitals and clinics for cashless treatments, ensuring convenient and hassle-free medical care.

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

Health Elite

Published Health Elite materials list an unlimited reset benefit. The precise trigger, eligible claims and conditions must be confirmed against the applicable policy wording.

VS

Sarvah Pratham

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

Daycare Treatment

Health Elite

Covers medical procedures requiring less than 24-hour hospitalization, such as cataract surgery and chemotherapy, accommodating treatments that don't necessitate extended hospital stays.

VS

Sarvah Pratham

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

Cumulative Bonus

Health Elite

Published Health Elite materials list Additional Sum Insured and a Super No Claim Bonus option. The applicable benefit percentage and conditions are not verified for this variant.

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.

AYUSH Treatment

Health Elite

Expenses for alternative treatments, including Ayurveda, Yoga, Unani, Siddha, and Homeopathy, are covered when availed at government-recognized institutions, promoting holistic healthcare options.

VS

Sarvah Pratham

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

Consumable Cover

Health Elite

Published Health Elite materials list Additional Sum Insured and a Super No Claim Bonus option. The applicable benefit percentage and conditions are not verified for this variant.

VS

Sarvah Pratham

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

Initial Waiting Period

Health Elite

The insurer's general health insurance information states 30 days for illness-related hospitalisation, except accidents. Confirm the exact Health Elite policy terms.

VS

Sarvah Pratham

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

Specific Waiting Period

Health Elite

The exact waiting period for specified diseases and procedures is not verified for this variant.

VS

Sarvah Pratham

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

PED Waiting Period

Health Elite

The exact waiting period for specified diseases and procedures is not verified for this variant.

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

Health Elite

Listed as a covered category in the older Complete Health Insurance policy information, subject to the applicable policy terms and limits.

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

Health Elite

Health check-up is listed in published Health Elite materials. Eligibility, frequency and monetary limits are not verified for this exact variant.

VS

Sarvah Pratham

Available as an optional cover.

Pre-Hospitalisation

Health Elite

Up to 30 days according to the published Health Elite product comparison, subject to policy terms.

VS

Sarvah Pratham

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

Post-Hospitalisation

Health Elite

Up to 60 days according to the published Health Elite product comparison, subject to policy terms.

VS

Sarvah Pratham

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

Outpatient Department Cover (OPD Expense)

Health Elite

Outpatient Treatment Cover is listed in published Health Elite materials. The limit depends on the applicable sum insured and policy configuration.

VS

Sarvah Pratham

Not covered under the base plan.

Deductible Option

Health Elite

A voluntary deductible may be available under applicable ICICI Lombard health products, but its availability for this Health Elite variant is not verified.

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

Health Elite

Information Unavailable

VS

Sarvah Pratham

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

Claim Settlement Ratio

Health Elite

FY 24-25: ~84%

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

Health Elite

Published materials list multiple sum insured options, including ₹5 lakh, ₹7 lakh, ₹10 lakh, ₹15 lakh, ₹20 lakh, ₹25 lakh and ₹50 lakh. Availability varies by policy version.

VS

Sarvah Pratham

Not available under Sarvah Pratham.

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

Health Elite vs Supreme Senior Premium

Health Elite vs Energy Silver Without Copay

Health Elite vs Ultimate

Health Elite vs EquiCover

Health Elite vs Optima Secure Global Plus

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

Oneassure

Health Insurance

Compare Health Insurance Plans

Health Elite Vs Sarvah Pratham

Policy Pal

Chat with PolicyPal

Get a free policy review

No pressure. No product push. Just honest advice.