Insurance Plans Comparison
Niva Bupa Health Recharge Super Top Up Plan vs ManipalCigna Sarvah Param
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreHealth Recharge Super Top Up Plan
Niva Bupa Health Recharge Super Top Up Plan
What Makes It Special:
Health Recharge Super Top Up Plan is designed for those who want comprehensive coverage without restrictions. It offers extensive coverage for modern treatments and innovative features.
Best For:
High coverage for seniors and their families
Easy cashless service across hospitals nationwide
Covers daycare and hospital treatments
Extra add-ons for enhanced protection
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
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
Prefer daily coverage for pharmacy & diagnostics
Want flexible deductible options for lower premiums
Need cashless treatment at large hospital network
Prefer 60-day pre & 90-day post-hospital care
You want coverage up to ₹95 lakhs
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
Health Recharge Super Top Up Plan Health Insurance Plan VS VS |
![]() Sarvah Param Health Insurance Plan |
| Room Rent |
|---|
Health Recharge Super Top Up Plan Accomodation up to 1% of Base Sum Insured per day is included as part of base cover. However, you can opt for Room Modifier Add-on to upgrade or downgrade the room category |
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 |
|---|
Health Recharge Super Top Up Plan No restriction on ICU room rent |
VS VS |
Sarvah Param ICU expenses covered up to the Sum Insured, subject to applicable policy terms. |
| Disease-wise sublimits |
|---|
Health Recharge Super Top Up Plan No |
VS VS |
Sarvah Param Treatment-specific limits may apply as specified in the policy schedule. |
| Co-payment |
|---|
Health Recharge Super Top Up Plan 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%. |
| Restoration Benefit |
|---|
Health Recharge Super Top Up Plan Not Available |
VS VS |
Sarvah Param Unlimited restoration of 100% of the Base Sum Insured is listed, subject to the applicable policy terms. |
| Cashless Healthcare Providers |
|---|
Health Recharge Super Top Up Plan Information Unavailable |
VS VS |
Sarvah Param Cashless treatment is available through network providers, subject to the insurer's procedures and policy terms. |
| Cumulative Bonus |
|---|
Health Recharge Super Top Up Plan Your sum insured increases by 5% every year, maximum up to 50% |
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. |
| Daycare Treatment |
|---|
Health Recharge Super Top Up Plan 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. |
| Consumable Cover |
|---|
Health Recharge Super Top Up Plan 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". |
| AYUSH Treatment |
|---|
Health Recharge Super Top Up Plan 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. |
| Initial Waiting Period |
|---|
Health Recharge Super Top Up Plan 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 |
|---|
Health Recharge Super Top Up Plan 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 |
|---|
Health Recharge Super Top Up Plan 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 |
|---|
Health Recharge Super Top Up Plan 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 |
|---|
Health Recharge Super Top Up Plan Not Available |
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 |
|---|
Health Recharge Super Top Up Plan 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 |
|---|
Health Recharge Super Top Up Plan You get cover for medical bills up to 90 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) |
|---|
Health Recharge Super Top Up Plan OPD expenses are covered |
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 |
|---|
Health Recharge Super Top Up Plan Available |
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 |
|---|
Health Recharge Super Top Up Plan Available coverage options: ₹2L, 3L, 4L, 5L, 7.5L, 10L, 15L, 25L, 40L, 45L, 65L, 70L, 90L, 95L. |
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 |
|---|
Health Recharge Super Top Up Plan 92.02% |
VS VS |
Sarvah Param Not mentioned in the available product reference. Verify separately if this value is required in the CMS. |
| Maternity Cover |
|---|
Health Recharge Super Top Up Plan Not Available |
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. |
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