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Insurance Plans Comparison

ManipalCigna Sarvah Param vs ICICI Lombard Complete Health Insurance Health Shield

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

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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.

VS
ICICI Lombard

Complete Health Insurance Health Shield

Add 10% to the sum insured after every claim-free year, up to 50%, and cover organ-donor expenses up to ₹10 lakh, with domiciliary hospitalisation and air ambulance paid over and above the sum insured.

What Makes It Special:

Health Shield is a variant listed under ICICI Lombard Complete Health Insurance. Its benefits include inpatient hospitalisation, eligible daycare procedures, inpatient AYUSH treatment, pre- and post-hospitalisation expenses, and a reset benefit that can replenish eligible cover after previous claims. The policy also lists a cumulative bonus and wellness services. Coverage...

Best For:

  • Customers who may use the policy's wellness services and preventive health-check-up facilities.

  • Buyers who want eligible daycare and inpatient AYUSH treatment covered.

  • Customers who value a cumulative bonus for claim-free years.

  • Individuals or families comparing different base sum insured options.

  • Buyers looking for hospitalisation cover with a reset benefit for subsequent eligible claims.

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

  • 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.

  • Verify that the Health Shield variant is still available and that the quoted UIN matches the policy document before purchase.

  • Compare the cataract sub-limit with your expected needs, especially if selecting a lower sum insured.

  • Check the 24-month PED and specified-disease waiting periods against your medical history.

  • Review the reset rules carefully, including the restrictions on using reset cover for the same illness.

  • Confirm the available sum insured and room-rent limit in the policy schedule before choosing the plan.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Sarvah Param
Sarvah Param

Health Insurance Plan

VS
Complete Health Insurance Health Shield
Complete Health Insurance Health Shield

Health Insurance Plan

Brochure

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

Complete Health Insurance Health Shield

Normal: Health Shield offers room rent and ICU coverage without sub-limits, ensuring full financial support for hospitalization, including intensive care expenses.

ICU Charges

Sarvah Param

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


VS

Complete Health Insurance Health Shield

Covered under eligible inpatient hospitalisation, subject to policy terms.

Advanced Treatments

Sarvah Param

Information Unavailable

VS

Complete Health Insurance Health Shield

Covers advanced treatments, including robotic surgeries, stem cell therapy, immunotherapy, and modern cancer treatments

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

Complete Health Insurance Health Shield

10% of copay will be applied to every admissible claim.

Disease-wise sublimits

Sarvah Param

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


VS

Complete Health Insurance Health Shield

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.

Cashless Healthcare Providers

Sarvah Param

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


VS

Complete Health Insurance Health Shield

10,896+ hospitals across India.

Restoration Benefit

Sarvah Param

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

VS

Complete Health Insurance Health Shield

Unlimited Reset Benefit is listed; reset does not trigger on the first claim and remains subject to illness, insured-person and other policy conditions.

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

Complete Health Insurance Health Shield

10% of annual sum insured per claim-free year, up to 50%; accumulated bonus reduces by 10% of annual sum insured following a claim, as specified in the policy.

Daycare Treatment

Sarvah Param

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


VS

Complete Health Insurance Health Shield

Covered under the policy. 

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

Complete Health Insurance Health Shield



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

Complete Health Insurance Health Shield

Covered under this policy

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

Complete Health Insurance Health Shield

30 days for illnesses; injury-related hospitalisation is excepted.

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

Complete Health Insurance Health Shield

24 months for specified illnesses and treatments.

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

Complete Health Insurance Health Shield

24 months for declared and accepted pre-existing diseases.

Modern Treatment

Sarvah Param

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


VS

Complete Health Insurance Health Shield

Not verified as a separately defined benefit in the reviewed Health Shield document.

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

Complete Health Insurance Health Shield

Health-check-up coupon each policy year, up to 2 coupons per year for floater policies.

Pre-Hospitalisation

Sarvah Param

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


VS

Complete Health Insurance Health Shield

Up to 30 days.

Post-Hospitalisation

Sarvah Param

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


VS

Complete Health Insurance Health Shield

Up to 60 days.

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

Complete Health Insurance Health Shield

Wellness points may be redeemable for eligible outpatient expenses; a fixed comprehensive OPD limit was not verified.

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

Complete Health Insurance Health Shield

Not verified in the reviewed Health Shield document.

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

Complete Health Insurance Health Shield

Individual or family floater; listed sum insured options from ₹3 lakh to ₹50 lakh.

Claim Settlement Ratio

Sarvah Param

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


VS

Complete Health Insurance Health Shield

FY 2024-25: 83.65%

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

Complete Health Insurance Health Shield

Excluded under the reviewed policy wording, except for stated policy exceptions such as ectopic pregnancy.

Insurance Plans Comparison

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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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  • Tailored for seniors healthcare needs

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Family Health Plan

  • One policy covers the entire family

  • High sum insured with cashless care

  • Multiple coverage options based on your family needs

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  • Covers delivery, newborn care, and maternity expenses

  • Reduces financial stress of childbirth costs

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