Insurance Plans Comparison
ManipalCigna Sarvah Param vs Care Heart
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreSarvah 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
Heart
Specialised Cardiac Health Insurance with 2-Year Cardiac PED Waiting Period
What Makes It Special:
Care Heart Health Insurance is a specialized policy designed for people with existing heart conditions or cardiac risks. It provides comprehensive coverage for hospitalization, surgeries, and treatments related to heart ailments, including pre and post-hospitalization expenses. The plan also covers annual health check-ups, ambulance charges, and optional add-ons for enhanced...
Best For:
Focused Protection for Cardiac Patients
Covers Pre and Post Hospitalization
Annual Health Check-Up Included
Lifelong Policy Renewability Option
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.
You have a past history of heart disease
You need coverage for cardiac-related hospitalization expenses
You want insurance despite pre-existing heart conditions
You seek affordable premiums for heart-focused care
You prefer lifelong renewability with cardiac protection
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
![]() Sarvah Param Health Insurance Plan VS VS |
Heart Health Insurance Plan |
| 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 VS |
Heart Up to ₹3 L sum insured – 1% of Sum Insured per day Above ₹3 L sum insured – Single Private Room |
| ICU Charges |
|---|
Sarvah Param ICU expenses covered up to the Sum Insured, subject to applicable policy terms. |
VS VS |
Heart Up to ₹3 L sum insured – 2% of Sum Insured per day Above ₹3 L sum insured – No Limit |
| 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 VS |
Heart In-built co-payment: 20% if entry age ≤ 70 years, 30% if entry age > 70 years. |
| Disease-wise sublimits |
|---|
Sarvah Param Treatment-specific limits may apply as specified in the policy schedule. |
VS VS |
Heart Yes |
| Cashless Healthcare Providers |
|---|
Sarvah Param Cashless treatment is available through network providers, subject to the insurer's procedures and policy terms. |
VS VS |
Heart 21700+ Healthcare Providers |
| Restoration Benefit |
|---|
Sarvah Param Unlimited restoration of 100% of the Base Sum Insured is listed, subject to the applicable policy terms. |
VS VS |
Heart Provides 1 restoration of the base cover upon exhaustion, applicable for unrelated illnesses only |
| 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 VS |
Heart Your sum insured increases by 10% each policy year as a No-Claim Bonus, up to 50% of the sum insured. The bonus reduces by 10% for every claim paid |
| Daycare Treatment |
|---|
Sarvah Param Eligible daycare procedures are covered up to the Sum Insured, subject to applicable policy terms. |
VS VS |
Heart Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured |
| 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 VS |
Heart No. However available as an add-on. |
| 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 VS |
Heart Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
| 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 VS |
Heart 30 days |
| 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 VS |
Heart 2 years |
| 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 VS |
Heart 2 years |
| Modern Treatment |
|---|
Sarvah Param Covered as inpatient or daycare treatment, subject to the limits specified in the policy schedule. |
VS VS |
Heart Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period |
| 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 VS |
Heart Health check-up is available from the first policy year |
| Pre-Hospitalisation |
|---|
Sarvah Param Covered up to the Sum Insured for 90 days before hospitalisation. |
VS VS |
Heart You get cover for medical tests and doctor visits up to 30 days before hospitalisation, if your main claim is approved |
| Post-Hospitalisation |
|---|
Sarvah Param Covered up to the Sum Insured for 180 days after discharge. |
VS VS |
Heart You get cover for medical bills up to 60 days after discharge, including physiotherapy if your doctor prescribes it. |
| 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 VS |
Heart OPD expense is not included |
| 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 VS |
Heart Not available |
| 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 VS |
Heart Available coverage options: ₹3L, ₹5L, ₹7L and ₹10L |
| Claim Settlement Ratio |
|---|
Sarvah Param Not mentioned in the available product reference. Verify separately if this value is required in the CMS. |
VS VS |
Heart 96% |
| 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 VS |
Heart Not available |
Insurance Plans Comparison
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