Insurance Plans Comparison
ManipalCigna Sarvah Param vs Niva Bupa Reassure 2.0 Platinum+
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:
Niva Bupa ReAssure 2.0 Platinum is a top-tier health insurance plan offering sum insured options from ₹5 lakh up to ₹1 crore, with no room rent caps or co-payment. It provides unlimited reinstatement of cover from the first claim (ReAssure Forever) and Booster+, which lets unused cover accumulate up to 5–10× base sum insured. The...
Best For:
Comprehensive Premium Health Coverage
High-Limit Family Floater Plan
Unlimited Restoration Insurance Policy
Advanced Treatment Global Care Plan
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 need very high medical coverage limit up to ₹1 crore
You prefer unlimited sum insured restoration after every claim
You want no room rent or ICU restrictions
You value modern treatment and maternity benefits included
You enjoy annual health check-ups and wellness perks from day one
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
![]() Sarvah Param Health Insurance Plan VS VS |
Reassure 2.0 Platinum+ 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 |
Reassure 2.0 Platinum+ All room categories are covered |
| ICU Charges |
|---|
Sarvah Param ICU expenses covered up to the Sum Insured, subject to applicable policy terms. |
VS VS |
Reassure 2.0 Platinum+ No restriction on ICU room rent |
| 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 |
Reassure 2.0 Platinum+ Not available |
| Disease-wise sublimits |
|---|
Sarvah Param Treatment-specific limits may apply as specified in the policy schedule. |
VS VS |
Reassure 2.0 Platinum+ No |
| Cashless Healthcare Providers |
|---|
Sarvah Param Cashless treatment is available through network providers, subject to the insurer's procedures and policy terms. |
VS VS |
Reassure 2.0 Platinum+ 10,000+ 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 |
Reassure 2.0 Platinum+ Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses |
| 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 |
Reassure 2.0 Platinum+ Your sum insured increases by 100% every year, maximum up to 500% |
| Daycare Treatment |
|---|
Sarvah Param Eligible daycare procedures are covered up to the Sum Insured, subject to applicable policy terms. |
VS VS |
Reassure 2.0 Platinum+ 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 |
Reassure 2.0 Platinum+ 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 |
Reassure 2.0 Platinum+ 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 |
Reassure 2.0 Platinum+ 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 |
Reassure 2.0 Platinum+ 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 |
Reassure 2.0 Platinum+ 3 years |
| Modern Treatment |
|---|
Sarvah Param Covered as inpatient or daycare treatment, subject to the limits specified in the policy schedule. |
VS VS |
Reassure 2.0 Platinum+ 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 |
Reassure 2.0 Platinum+ Health check-up is available once every policy year, from day 1 of the policy |
| Pre-Hospitalisation |
|---|
Sarvah Param Covered up to the Sum Insured for 90 days before hospitalisation. |
VS VS |
Reassure 2.0 Platinum+ You get cover for medical tests and doctor visits up to 60 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 |
Reassure 2.0 Platinum+ You get cover for medical bills up to 180 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 |
Reassure 2.0 Platinum+ 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 |
Reassure 2.0 Platinum+ Available as an option |
| 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 |
Reassure 2.0 Platinum+ Available coverage options: ₹5L, ₹7.5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L and ₹1 Cr |
| Claim Settlement Ratio |
|---|
Sarvah Param Not mentioned in the available product reference. Verify separately if this value is required in the CMS. |
VS VS |
Reassure 2.0 Platinum+ 92.02% |
| 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 |
Reassure 2.0 Platinum+ Not available |
Insurance Plans Comparison
Still Confused? Get Expert Advice
Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.
Why Choose Our Expert Consultation?
What Our Experts Help You With
Personalised Recommendations
Every suggestion is backed by expert analysis of your life stage, goals, and budget
Expert-Led Policy Review
We decode the fine print—identifying risks, sub-limits, and gaps you may have missed. No surprises later
Smart, Tech-Enabled Experience
From digital onboarding to real-time claim tracking, our platform makes insurance easy, accessible, and stress-free
Insurance Plans Comparison
Explore Insurance Category
Senior Citizen Health Plan
Secure against age-related medical costs
Tailored for seniors healthcare needs
Most Popular
Family Health Plan
One policy covers the entire family
High sum insured with cashless care
Multiple coverage options based on your family needs
Maternity Health Plan
Covers delivery, newborn care, and maternity expenses
Reduces financial stress of childbirth costs
Insurance Plans Comparison
Frequently Asked Questions (FAQs)
Having questions? We've got answers. Explore our FAQs to find the information you need.
Explore Our Most Popular Plans
Compare With Other Health Insurance Plans
Sarvah Param vs Optima Secure
Sarvah Param vs Optima Secure Plus
Sarvah Param vs Cancer Cover Activ Cancer Secure Plan
Sarvah Param vs Women Care
Sarvah Param vs Activate Booster Plan A
Sarvah Param vs Active Care Premier
Sarvah Param vs ProHealth Accumulate
Sarvah Param vs Supreme Shine
Sarvah Param vs Optima Secure Global Plus
Sarvah Param vs myHealth Suraksha Gold
Sarvah Param vs LifeTime Health Global
Sarvah Param vs Active Fit Plus
Sarvah Param vs Activ Health Platinum Essential
Sarvah Param vs Medicare Plus
Sarvah Param vs Medicare Senior
Sarvah Param vs Medicare Protect
Sarvah Param vs Activ One SAVR
Sarvah Param vs Active Assure Diamond
Sarvah Param vs Activ One VIP
Sarvah Param vs Advantage
Sarvah Param vs Assure
Sarvah Param vs Activ One Max
Sarvah Param vs Classic
Sarvah Param vs Activ One Vytl
Sarvah Param vs Supreme
Sarvah Param vs Freedom
Sarvah Param vs Joy Today
Sarvah Param vs Medi Classic
Sarvah Param vs Activate Booster Plan B
Sarvah Param vs Health Recharge Super Top Up Plan
Sarvah Param vs Plus Complete
Sarvah Param vs EquiCover
Sarvah Param vs Activ One VIP+
Sarvah Param vs Reassure 3.0 Select
Sarvah Param vs Medicare Premier
Sarvah Param vs Plus Youth
Sarvah Param vs Optima Lite
Sarvah Param vs ProHealth Prime Protect
Sarvah Param vs Supreme Senior Premium
Sarvah Param vs myHealth Suraksha Platinum
Sarvah Param vs Supreme Senior Super
Sarvah Param vs Medicare
Sarvah Param vs Ultimate (Direct)
Sarvah Param vs Optima Insurance
Sarvah Param vs Smart Super Health Assure
Sarvah Param vs Health Guard Platinum
Sarvah Param vs Health Guard Gold
Sarvah Param vs Extra Care Plus Super Top-up
Sarvah Param vs Health Care Supreme Smart
Sarvah Param vs Medi Classic Gold
Sarvah Param vs Smart Health Pro
Sarvah Param vs Optima Super Secure
Sarvah Param vs Special Care
Sarvah Param vs Medicare LITE
Sarvah Param vs Health Shield 360
Sarvah Param vs SecureHealth
Sarvah Param vs Supreme (Direct)
Sarvah Param vs Mediclaim Insurance Policy
Sarvah Param vs Young Star Gold
Sarvah Param vs Senior
Sarvah Param vs myHealth Koti Suraksha
Sarvah Param vs myHealth Suraksha Silver
Sarvah Param vs Cancer Care Platinum
Sarvah Param vs Royal Sundaram Lifeline Elite
Sarvah Param vs Supreme Enhance One
Sarvah Param vs Supreme Enhance Two
Sarvah Param vs Health Companion Variant 2022
Sarvah Param vs Elder Care
Sarvah Param vs HeartBeat Gold
Sarvah Param vs Health SuperCharge
Sarvah Param vs iHealth Plus
Sarvah Param vs HeartBeat Enhanced
Sarvah Param vs ProHealth Prime Advantage
Sarvah Param vs Active Fit Preferred
Sarvah Param vs Senior Health Advantage
Sarvah Param vs Reassure 3.0 Elite
Sarvah Param vs Reassure 2.0 Platinum+
Sarvah Param vs Health Wallet
Sarvah Param vs Heart
Sarvah Param vs Elevate
Sarvah Param vs Reassure 2.0 Titanium+
Sarvah Param vs LifeTime Health
Sarvah Param vs ProHealth Prime Active
Sarvah Param vs ProHealth Prime Senior Elite
Sarvah Param vs Advanced Top Up
Sarvah Param vs Multiplier Health
Sarvah Param vs Joy Tomorrow
Sarvah Param vs Reassure 2.0 Bronze+
Sarvah Param vs Star Women Care Policy
Sarvah Param vs Young Star Silver
Sarvah Param vs Reassure 3.0
Sarvah Param vs Joy
Sarvah Param vs Supreme Senior Health AdvantEdge
Sarvah Param vs Family Plus
Sarvah Param vs Criti Shield Plus
Sarvah Param vs Health Care Supreme Ultimo
Sarvah Param vs Health Shield 360 Retail
Sarvah Param vs Supreme Super Saver
Sarvah Param vs Super Star
Sarvah Param vs Senior First Platinum
Sarvah Param vs Optima Secure Global
Sarvah Param vs NextGen
Sarvah Param vs Health Insurance Platinum
Sarvah Param vs Energy Silver With Copay
Reassure 2.0 Platinum+ vs Optima Secure
Reassure 2.0 Platinum+ vs Optima Secure Plus
Reassure 2.0 Platinum+ vs Cancer Cover Activ Cancer Secure Plan
Reassure 2.0 Platinum+ vs Women Care
Reassure 2.0 Platinum+ vs Activate Booster Plan A
Reassure 2.0 Platinum+ vs Active Care Premier
Reassure 2.0 Platinum+ vs ProHealth Accumulate
Reassure 2.0 Platinum+ vs Supreme Shine
Reassure 2.0 Platinum+ vs Optima Secure Global Plus
Reassure 2.0 Platinum+ vs myHealth Suraksha Gold
Reassure 2.0 Platinum+ vs LifeTime Health Global
Reassure 2.0 Platinum+ vs Active Fit Plus
Reassure 2.0 Platinum+ vs Activ Health Platinum Essential
Reassure 2.0 Platinum+ vs Medicare Plus
Reassure 2.0 Platinum+ vs Medicare Senior
Reassure 2.0 Platinum+ vs Medicare Protect
Reassure 2.0 Platinum+ vs Activ One SAVR
Reassure 2.0 Platinum+ vs Active Assure Diamond
Reassure 2.0 Platinum+ vs Activ One VIP
Reassure 2.0 Platinum+ vs Advantage
Reassure 2.0 Platinum+ vs Assure
Reassure 2.0 Platinum+ vs Activ One Max
Reassure 2.0 Platinum+ vs Classic
Reassure 2.0 Platinum+ vs Activ One Vytl
Reassure 2.0 Platinum+ vs Supreme
Reassure 2.0 Platinum+ vs Freedom
Reassure 2.0 Platinum+ vs Joy Today
Reassure 2.0 Platinum+ vs Medi Classic
Reassure 2.0 Platinum+ vs Activate Booster Plan B
Reassure 2.0 Platinum+ vs Health Recharge Super Top Up Plan
Reassure 2.0 Platinum+ vs Plus Complete
Reassure 2.0 Platinum+ vs EquiCover
Reassure 2.0 Platinum+ vs Activ One VIP+
Reassure 2.0 Platinum+ vs Reassure 3.0 Select
Reassure 2.0 Platinum+ vs Medicare Premier
Reassure 2.0 Platinum+ vs Plus Youth
Reassure 2.0 Platinum+ vs Optima Lite
Reassure 2.0 Platinum+ vs ProHealth Prime Protect
Reassure 2.0 Platinum+ vs Supreme Senior Premium
Reassure 2.0 Platinum+ vs myHealth Suraksha Platinum
Reassure 2.0 Platinum+ vs Supreme Senior Super
Reassure 2.0 Platinum+ vs Medicare
Reassure 2.0 Platinum+ vs Ultimate (Direct)
Reassure 2.0 Platinum+ vs Sarvah Param
Reassure 2.0 Platinum+ vs Optima Insurance
Reassure 2.0 Platinum+ vs Smart Super Health Assure
Reassure 2.0 Platinum+ vs Health Guard Platinum
Reassure 2.0 Platinum+ vs Health Guard Gold
Reassure 2.0 Platinum+ vs Extra Care Plus Super Top-up
Reassure 2.0 Platinum+ vs Health Care Supreme Smart
Reassure 2.0 Platinum+ vs Medi Classic Gold
Reassure 2.0 Platinum+ vs Smart Health Pro
Reassure 2.0 Platinum+ vs Optima Super Secure
Reassure 2.0 Platinum+ vs Special Care
Reassure 2.0 Platinum+ vs Medicare LITE
Reassure 2.0 Platinum+ vs Health Shield 360
Reassure 2.0 Platinum+ vs SecureHealth
Reassure 2.0 Platinum+ vs Supreme (Direct)
Reassure 2.0 Platinum+ vs Mediclaim Insurance Policy
Reassure 2.0 Platinum+ vs Young Star Gold
Reassure 2.0 Platinum+ vs Senior
Reassure 2.0 Platinum+ vs myHealth Koti Suraksha
Reassure 2.0 Platinum+ vs myHealth Suraksha Silver
Reassure 2.0 Platinum+ vs Cancer Care Platinum
Reassure 2.0 Platinum+ vs Royal Sundaram Lifeline Elite
Reassure 2.0 Platinum+ vs Supreme Enhance One
Reassure 2.0 Platinum+ vs Supreme Enhance Two
Reassure 2.0 Platinum+ vs Health Companion Variant 2022
Reassure 2.0 Platinum+ vs Elder Care
Reassure 2.0 Platinum+ vs HeartBeat Gold
Reassure 2.0 Platinum+ vs Health SuperCharge
Reassure 2.0 Platinum+ vs iHealth Plus
Reassure 2.0 Platinum+ vs HeartBeat Enhanced
Reassure 2.0 Platinum+ vs ProHealth Prime Advantage
Reassure 2.0 Platinum+ vs Active Fit Preferred
Reassure 2.0 Platinum+ vs Senior Health Advantage
Reassure 2.0 Platinum+ vs Reassure 3.0 Elite
Reassure 2.0 Platinum+ vs Health Wallet
Reassure 2.0 Platinum+ vs Heart
Reassure 2.0 Platinum+ vs Elevate
Reassure 2.0 Platinum+ vs Reassure 2.0 Titanium+
Reassure 2.0 Platinum+ vs LifeTime Health
Reassure 2.0 Platinum+ vs ProHealth Prime Active
Reassure 2.0 Platinum+ vs ProHealth Prime Senior Elite
Reassure 2.0 Platinum+ vs Advanced Top Up
Reassure 2.0 Platinum+ vs Multiplier Health
Reassure 2.0 Platinum+ vs Joy Tomorrow
Reassure 2.0 Platinum+ vs Reassure 2.0 Bronze+
Reassure 2.0 Platinum+ vs Star Women Care Policy
Reassure 2.0 Platinum+ vs Young Star Silver
Reassure 2.0 Platinum+ vs Reassure 3.0
Reassure 2.0 Platinum+ vs Joy
Reassure 2.0 Platinum+ vs Supreme Senior Health AdvantEdge
Reassure 2.0 Platinum+ vs Family Plus
Reassure 2.0 Platinum+ vs Criti Shield Plus
Reassure 2.0 Platinum+ vs Health Care Supreme Ultimo
Reassure 2.0 Platinum+ vs Health Shield 360 Retail
Reassure 2.0 Platinum+ vs Supreme Super Saver
Reassure 2.0 Platinum+ vs Super Star
Reassure 2.0 Platinum+ vs Senior First Platinum
Reassure 2.0 Platinum+ vs Optima Secure Global
Reassure 2.0 Platinum+ vs NextGen
Reassure 2.0 Platinum+ vs Health Insurance Platinum
Reassure 2.0 Platinum+ vs Energy Silver With Copay
Chat with PolicyPal
Get a free policy review
No pressure. No product push. Just honest advice.







.png)

