Insurance Plans Comparison
ManipalCigna Sarvah Param vs Future Generali Health Super Saver Standard
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
What Makes It Special:
Future Generali Health Super Saver Standard offers robust hospitalization coverage while rewarding claim-free years with up to an 80% renewal premium discount. The policy provides extensive protection including inbuilt maternity benefits, home healthcare, AYUSH treatments, extended pre-and post-hospitalization coverage, day care procedures, and access to an extensive nationwide cashless hospital...
Best For:
Buyers seeking flexible sum insured options ranging from ₹3 Lakhs to ₹50 Lakhs.
Patients requiring home healthcare services for ongoing medical treatment or post-surgical care.
Buyers wanting comprehensive coverage for alternative therapies like Ayurveda, Unani, Siddha, and Homeopathy.
Policyholders seeking inbuilt maternity coverage for delivery, pre-natal, and post-natal care.
Families and individuals looking to save up to 80% on renewal premiums by remaining claim-free.
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.
Future Generali Health Super Saver Standard
Ensure Future Generali’s 8,400+ cashless network hospitals include convenient facilities in your location.
Keep in mind the 24-month waiting period for pre-existing diseases and specified medical procedures.
Verify room rent and specific procedure sub-limits based on your selected base plan option.
Ideal if you require integrated maternity benefits after a 9-month waiting period.
Choose this plan if you want substantial long-term savings through an 80% discount on claim-free renewal years.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
![]() Sarvah Param Health Insurance Plan VS VS |
![]() Health Super Saver Standard 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 |
Health Super Saver Standard Room, board, and nursing expenses covered up to single private room eligibility limits. |
| ICU Charges |
|---|
Sarvah Param ICU expenses covered up to the Sum Insured, subject to applicable policy terms. |
VS VS |
Health Super Saver Standard Fully covered as part of medically necessary hospitalisation with no specific daily capping. |
| 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 |
Health Super Saver Standard No mandatory co-payment percentage applied across entry age groups under base terms. |
| Disease-wise sublimits |
|---|
Sarvah Param Treatment-specific limits may apply as specified in the policy schedule. |
VS VS |
Health Super Saver Standard Applicable sub-limits for maternity, cataract, mental illness, modern treatments, and optional procedures. |
| Cashless Healthcare Providers |
|---|
Sarvah Param Cashless treatment is available through network providers, subject to the insurer's procedures and policy terms. |
VS VS |
Health Super Saver Standard Cashless facility accessible across Future Generali’s empanelled nationwide network hospital list. |
| Restoration Benefit |
|---|
Sarvah Param Unlimited restoration of 100% of the Base Sum Insured is listed, subject to the applicable policy terms. |
VS VS |
Health Super Saver Standard Sum insured restore options are subject to base policy terms and plan variant selection. |
| 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 |
Health Super Saver Standard Replaced by Super Saver Discount offering an 80% renewal premium discount for claim-free tenures. |
| Daycare Treatment |
|---|
Sarvah Param Eligible daycare procedures are covered up to the Sum Insured, subject to applicable policy terms. |
VS VS |
Health Super Saver Standard Over 400 specified medical and surgical procedures requiring less than 24 hours hospitalisation covered.dis |
| 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 |
Health Super Saver Standard Non-medical consumable items specified in policy exclusions are not covered under base policy. |
| 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 |
Health Super Saver Standard Inpatient hospitalisation covered under Ayurveda, Unani, Siddha, or Homeopathy in recognized government institutes. |
| 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 |
Health Super Saver Standard 30 days initial waiting period applies for all illnesses except accidental injuries. |
| 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 |
Health Super Saver Standard 24 months for specified conditions; 48 months for joint replacements due to degenerative conditions. |
| 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 |
Health Super Saver Standard 24 months waiting period for pre-existing diseases and their direct medical complications. |
| Modern Treatment |
|---|
Sarvah Param Covered as inpatient or daycare treatment, subject to the limits specified in the policy schedule. |
VS VS |
Health Super Saver Standard Restricted to 50% of the Sum Insured per policy period for listed modern procedures. |
| 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 |
Health Super Saver Standard Available annually for insured members as per eligible benefit structure and plan options. |
| Pre-Hospitalisation |
|---|
Sarvah Param Covered up to the Sum Insured for 90 days before hospitalisation. |
VS VS |
Health Super Saver Standard Medical expenses covered up to 60 days immediately prior to hospital admission. |
| Post-Hospitalisation |
|---|
Sarvah Param Covered up to the Sum Insured for 180 days after discharge. |
VS VS |
Health Super Saver Standard Medical expenses covered up to 90 days immediately following hospital discharge date. |
| 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 |
Health Super Saver Standard Outpatient medical and diagnostic procedures are excluded under standard inpatient base coverage. |
| 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 |
Health Super Saver Standard Voluntary deductible options are not part of the standard policy base structure. |
| 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 |
Health Super Saver Standard Available under both Individual and Family Floater sum insured policy options. |
| Claim Settlement Ratio |
|---|
Sarvah Param Not mentioned in the available product reference. Verify separately if this value is required in the CMS. |
VS VS |
Health Super Saver Standard Supported by Future Generali India Insurance's established claim processing performance track record. |
| 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 |
Health Super Saver Standard Covered after a 9-month waiting period, subject to sub-limits based on plan options. |
Insurance Plans Comparison
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