Insurance Plans Comparison
HDFC ERGO Optima Secure vs ManipalCigna Sarvah Param
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreWhat Makes It Special:
HDFC ERGO Optima Secure is a comprehensive health insurance plan offering coverage from ₹5 lakh to ₹2 crore for individuals and families. It provides a Secure Benefit that doubles your coverage from day one, Plus Benefit that grows it further on renewal, and Restore Benefit that reinstates the base sum after a...
Best For:
Comprehensive Family Health Insurance
Multi-Benefit Medical Protection Plan
Coverage with Automatic Sum Boost
Restoration-enabled Secure Health Policy
VS
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.
Insurance Plans Comparison
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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
Coverage growth with Secure and Plus Benefits
Automatic sum insured restoration after claims
No room-rent or ICU restrictions
Annual health check-ups and preventive care
Long-term loyalty rewards and discounts
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.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
![]() Optima Secure Health Insurance Plan VS VS |
![]() Sarvah Param Health Insurance Plan |
| Room Rent |
|---|
Optima Secure All room categories are covered |
VS VS |
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". |
| ICU Charges |
|---|
Optima Secure No restriction on ICU room rent |
VS VS |
Sarvah Param ICU expenses covered up to the Sum Insured, subject to applicable policy terms. |
| Co-payment |
|---|
Optima Secure Not available |
VS VS |
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%. |
| Disease-wise sublimits |
|---|
Optima Secure No |
VS VS |
Sarvah Param Treatment-specific limits may apply as specified in the policy schedule. |
| Restoration Benefit |
|---|
Optima Secure Yes, your sum insured restores to 100% once every policy year |
VS VS |
Sarvah Param Unlimited restoration of 100% of the Base Sum Insured is listed, subject to the applicable policy terms. |
| Cashless Healthcare Providers |
|---|
Optima Secure 16000+ Healthcare Providers |
VS VS |
Sarvah Param Cashless treatment is available through network providers, subject to the insurer's procedures and policy terms. |
| Daycare Treatment |
|---|
Optima Secure Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured |
VS VS |
Sarvah Param Eligible daycare procedures are covered up to the Sum Insured, subject to applicable policy terms. |
| Cumulative Bonus |
|---|
Optima Secure Your sum insured increases by 50% every year, maximum up to 300% |
VS VS |
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. |
| AYUSH Treatment |
|---|
Optima Secure Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
VS VS |
Sarvah Param AYUSH treatment is covered up to the Sum Insured when received at an eligible AYUSH hospital, subject to policy terms. |
| Consumable Cover |
|---|
Optima Secure Yes |
VS VS |
Sarvah Param Covered up to the Base Sum Insured under the optional cover "Coverage for Non-Medical Items and Durable Medical Equipment". |
| Initial Waiting Period |
|---|
Optima Secure 30 days |
VS VS |
Sarvah Param No initial waiting period applies by default. A 30-day initial waiting period applies only if the optional cover "Pratiksha" is opted. |
| Specific Waiting Period |
|---|
Optima Secure 2 years |
VS VS |
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. |
| PED Waiting Period |
|---|
Optima Secure 3 years |
VS VS |
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. |
| Modern Treatment |
|---|
Optima Secure Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period |
VS VS |
Sarvah Param Covered as inpatient or daycare treatment, subject to the limits specified in the policy schedule. |
| Annual Health Checkup |
|---|
Optima Secure Health check-up is available after the first policy year |
VS VS |
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. |
| Pre-Hospitalisation |
|---|
Optima Secure You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved |
VS VS |
Sarvah Param Covered up to the Sum Insured for 90 days before hospitalisation. |
| Post-Hospitalisation |
|---|
Optima Secure You get cover for medical bills up to 180 days after discharge, including physiotherapy if your doctor prescribes it |
VS VS |
Sarvah Param Covered up to the Sum Insured for 180 days after discharge. |
| Outpatient Department Cover (OPD Expense) |
|---|
Optima Secure OPD expense is not included |
VS VS |
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. |
| Deductible Option |
|---|
Optima Secure Available as an option |
VS VS |
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. |
| Coverage Options |
|---|
Optima Secure Available coverage options: ₹5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹1 Cr and ₹2 Cr |
VS VS |
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. |
| Claim Settlement Ratio |
|---|
Optima Secure 98% |
VS VS |
Sarvah Param Not mentioned in the available product reference. Verify separately if this value is required in the CMS. |
| Maternity Cover |
|---|
Optima Secure Not in base plan; available as paid add-on. |
VS VS |
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. |
Insurance Plans Comparison
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Frequently Asked Questions (FAQs)
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