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Complete Health Insurance Health Protect Plus Plan Vs Sarvah Pratham

Insurance Plans Comparison

ICICI Lombard Complete Health Insurance Health Protect Plus Plan vs ManipalCigna Sarvah Pratham

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...

Complete Health Insurance Health Protect Plus Plan

Cover maternity, a newborn and outpatient treatment together with hospital daily cash and a convalescence benefit, and reset up to 100% of the sum insured once in a policy year for a later unrelated illness.

What Makes It Special:

Health Protect Plus is a plan under ICICI Lombard Complete Health Insurance that combines inpatient hospitalisation cover with eligible daycare procedures, inpatient AYUSH treatment, pre- and post-hospitalisation expenses, and a reset benefit. The plan-specific Key Information Sheet also lists maternity cover after a 36-month waiting period, newborn baby cover following...

Best For:

Customers comparing hospitalisation benefits with optional critical illness, donor expense or personal accident covers.
Buyers who value a limited combined allowance for outpatient treatment and wellness expenses.
Policyholders who want a reset benefit after eligible use of the sum insured.
Eligible couples seeking maternity benefits with a three-year waiting period and defined delivery limits.
Buyers looking for inpatient hospitalisation and eligible daycare treatment cover.

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.

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Quick Decision Guide

ICICI Lombard Complete Health Insurance Health Protect Plus Plan

Confirm which optional covers have actually been selected and paid for; critical illness, donor expenses and personal accident cover should not be assumed to be included automatically.
Treat the ₹5,000 outpatient and wellness allowance as a combined floater limit, not a separate limit for each benefit.
Review the cataract sub-limit carefully, as the applicable limit depends on the selected sum insured.
If maternity cover matters, check the 36-month waiting period, the requirement for both spouses to be insured and the delivery-related sub-limits.
Verify the sum insured and room-rent limits in the policy schedule before comparing premiums or coverage.

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

Complete Health Insurance Health Protect Plus Plan

Health Insurance Plan

Brochure

Sarvah Pratham

Health Insurance Plan

Brochure

Policy Wording

Room Rent
Complete Health Insurance Health Protect Plus Plan ICICI Health Protect Plus offers coverage for room rent, including both normal and ICU hospitalization, without any sub-limits.	Sarvah Pratham Single Private AC Room under the base policy. ICU expenses are covered up to the Sum Insured.

Advanced Treatments
Complete Health Insurance Health Protect Plus Plan Covers advanced treatments, including robotic surgeries, stem cell therapy (if medically necessary), oral chemotherapy, and modern procedures like targeted therapy.	Sarvah Pratham Information Unavailable

ICU Charges
Complete Health Insurance Health Protect Plus Plan Covered under inpatient treatment, subject to applicable policy terms and limits.	Sarvah Pratham Covered up to the Sum Insured.

Co-payment
Complete Health Insurance Health Protect Plus Plan Does not have a mandatory co-payment for most treatments. However, co-payment may apply for senior citizens or specific medical conditions as per policy terms.	Sarvah Pratham Optional Voluntary Co-payment of 10%, 20% or 30%. No zonal co-payment applies.

Disease-wise sublimits
Complete Health Insurance Health Protect Plus Plan Cataract: ₹20,000 per eye per policy year for sum insured up to ₹5 lakh; ₹1 lakh per eye per policy year for sum insured above ₹5 lakh.	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
Complete Health Insurance Health Protect Plus Plan 10,896+ hospitals across india	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
Complete Health Insurance Health Protect Plus Plan Reset Benefit restores up to 100% of sum insured once per policy year, subject to policy conditions; it does not trigger on the first claim.	Sarvah Pratham Optional: Unlimited restoration of the Base Sum Insured for related and unrelated illnesses/injuries during the policy year.

Daycare Treatment
Complete Health Insurance Health Protect Plus Plan Covered under the policy.	Sarvah Pratham Covered up to the Sum Insured for eligible Day Care Treatment related to the specified illnesses.

Cumulative Bonus
Complete Health Insurance Health Protect Plus Plan 10% of annual sum insured per claim-free year, up to 50%; a claim can reduce accrued bonus by 10% of annual sum insured at renewal.	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
Complete Health Insurance Health Protect Plus Plan Covered under this policy	Sarvah Pratham Covered up to the Sum Insured for eligible treatment related to the specified illnesses, subject to policy terms.

Consumable Cover
Complete Health Insurance Health Protect Plus Plan No separate consumables benefit verified in the available plan-specific information.	Sarvah Pratham Not included in the base cover. Optional: Coverage for Non-Medical Items and Durable Medical Equipment is available.

Initial Waiting Period
Complete Health Insurance Health Protect Plus Plan 30 days for illnesses; injury-related hospitalisation is excepted.	Sarvah Pratham 30 days, applicable under the standard waiting-period structure; accident claims are exempt.

Specific Waiting Period
Complete Health Insurance Health Protect Plus Plan 24 months for specified illnesses and treatments.	Sarvah Pratham 24 months for specified diseases/procedures, when the applicable Pratiksha optional cover is opted for.

PED Waiting Period
Complete Health Insurance Health Protect Plus Plan 24 months of continuous coverage.	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
Complete Health Insurance Health Protect Plus Plan Not verified in the available Health Protect Plus Key Information Sheet.	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
Complete Health Insurance Health Protect Plus Plan Free health-check-up coupon each policy year, subject to a maximum of 2 coupons annually for floater policies.	Sarvah Pratham Available as an optional cover.

Pre-Hospitalisation
Complete Health Insurance Health Protect Plus Plan Up to 30 days.	Sarvah Pratham Covered for 90 days immediately before hospitalisation, subject to the policy terms.

Post-Hospitalisation
Complete Health Insurance Health Protect Plus Plan Up to 60 days.	Sarvah Pratham Covered for 180 days after discharge, subject to the policy terms.

Outpatient Department Cover (OPD Expense)
Complete Health Insurance Health Protect Plus Plan Included with Wellness & Preventive Healthcare within a combined ₹5,000 floater limit.	Sarvah Pratham Not covered under the base plan.

Deductible Option
Complete Health Insurance Health Protect Plus Plan Not verified in the available plan-specific information.	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
Complete Health Insurance Health Protect Plus Plan Individual or floater structure; exact sum insured choices require verification from the applicable schedule.	Sarvah Pratham Base Sum Insured options from ₹5 lakh to ₹3 crore.

Claim Settlement Ratio
Complete Health Insurance Health Protect Plus Plan Not verified against a current, comparable insurer-level CSR disclosure.	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
Complete Health Insurance Health Protect Plus Plan Available after 36 months: normal delivery ₹15,000; caesarean delivery ₹25,000; pre- and post-natal expenses ₹2,000 each, subject to eligibility conditions.	Sarvah Pratham Not available under Sarvah Pratham.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Complete Health Insurance Health Protect Plus Plan

Health Insurance Plan

Brochure

Sarvah Pratham

Health Insurance Plan

Brochure

Policy Wording

Room Rent
Complete Health Insurance Health Protect Plus Plan ICICI Health Protect Plus offers coverage for room rent, including both normal and ICU hospitalization, without any sub-limits.
VS VS
Sarvah Pratham Single Private AC Room under the base policy. ICU expenses are covered up to the Sum Insured.

Advanced Treatments
Complete Health Insurance Health Protect Plus Plan Covers advanced treatments, including robotic surgeries, stem cell therapy (if medically necessary), oral chemotherapy, and modern procedures like targeted therapy.
VS VS
Sarvah Pratham Information Unavailable

ICU Charges
Complete Health Insurance Health Protect Plus Plan Covered under inpatient treatment, subject to applicable policy terms and limits.
VS VS
Sarvah Pratham Covered up to the Sum Insured.

Co-payment
Complete Health Insurance Health Protect Plus Plan Does not have a mandatory co-payment for most treatments. However, co-payment may apply for senior citizens or specific medical conditions as per policy terms.
VS VS
Sarvah Pratham Optional Voluntary Co-payment of 10%, 20% or 30%. No zonal co-payment applies.

Disease-wise sublimits
Complete Health Insurance Health Protect Plus Plan Cataract: ₹20,000 per eye per policy year for sum insured up to ₹5 lakh; ₹1 lakh per eye per policy year for sum insured above ₹5 lakh.
VS 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
Complete Health Insurance Health Protect Plus Plan 10,896+ hospitals across india
VS 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
Complete Health Insurance Health Protect Plus Plan Reset Benefit restores up to 100% of sum insured once per policy year, subject to policy conditions; it does not trigger on the first claim.
VS VS
Sarvah Pratham Optional: Unlimited restoration of the Base Sum Insured for related and unrelated illnesses/injuries during the policy year.

Daycare Treatment
Complete Health Insurance Health Protect Plus Plan Covered under the policy.
VS VS
Sarvah Pratham Covered up to the Sum Insured for eligible Day Care Treatment related to the specified illnesses.

Cumulative Bonus
Complete Health Insurance Health Protect Plus Plan 10% of annual sum insured per claim-free year, up to 50%; a claim can reduce accrued bonus by 10% of annual sum insured at renewal.
VS 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
Complete Health Insurance Health Protect Plus Plan Covered under this policy
VS VS
Sarvah Pratham Covered up to the Sum Insured for eligible treatment related to the specified illnesses, subject to policy terms.

Consumable Cover
Complete Health Insurance Health Protect Plus Plan No separate consumables benefit verified in the available plan-specific information.
VS VS
Sarvah Pratham Not included in the base cover. Optional: Coverage for Non-Medical Items and Durable Medical Equipment is available.

Initial Waiting Period
Complete Health Insurance Health Protect Plus Plan 30 days for illnesses; injury-related hospitalisation is excepted.
VS VS
Sarvah Pratham 30 days, applicable under the standard waiting-period structure; accident claims are exempt.

Specific Waiting Period
Complete Health Insurance Health Protect Plus Plan 24 months for specified illnesses and treatments.
VS VS
Sarvah Pratham 24 months for specified diseases/procedures, when the applicable Pratiksha optional cover is opted for.

PED Waiting Period
Complete Health Insurance Health Protect Plus Plan 24 months of continuous coverage.
VS 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
Complete Health Insurance Health Protect Plus Plan Not verified in the available Health Protect Plus Key Information Sheet.
VS 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
Complete Health Insurance Health Protect Plus Plan Free health-check-up coupon each policy year, subject to a maximum of 2 coupons annually for floater policies.
VS VS
Sarvah Pratham Available as an optional cover.

Pre-Hospitalisation
Complete Health Insurance Health Protect Plus Plan Up to 30 days.
VS VS
Sarvah Pratham Covered for 90 days immediately before hospitalisation, subject to the policy terms.

Post-Hospitalisation
Complete Health Insurance Health Protect Plus Plan Up to 60 days.
VS VS
Sarvah Pratham Covered for 180 days after discharge, subject to the policy terms.

Outpatient Department Cover (OPD Expense)
Complete Health Insurance Health Protect Plus Plan Included with Wellness & Preventive Healthcare within a combined ₹5,000 floater limit.
VS VS
Sarvah Pratham Not covered under the base plan.

Deductible Option
Complete Health Insurance Health Protect Plus Plan Not verified in the available plan-specific information.
VS 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
Complete Health Insurance Health Protect Plus Plan Individual or floater structure; exact sum insured choices require verification from the applicable schedule.
VS VS
Sarvah Pratham Base Sum Insured options from ₹5 lakh to ₹3 crore.

Claim Settlement Ratio
Complete Health Insurance Health Protect Plus Plan Not verified against a current, comparable insurer-level CSR disclosure.
VS 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
Complete Health Insurance Health Protect Plus Plan Available after 36 months: normal delivery ₹15,000; caesarean delivery ₹25,000; pre- and post-natal expenses ₹2,000 each, subject to eligibility conditions.
VS VS
Sarvah Pratham Not available under Sarvah Pratham.

Insurance Plans Comparison

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End-to-End Support

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

Zero Spam. Zero Hassle

Pure advice, no unwanted calls, no unnecessary push

Free Expert Consultation

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

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Get a dedicated expert managing your claim end-to-end, from hospital admission to approval, including dispute resolution and support

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

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Senior Citizen Health Plan

Secure against age-related medical costs
Tailored for seniors healthcare needs

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

Covers delivery, newborn care, and maternity expenses
Reduces financial stress of childbirth costs

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