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Insurance Plans Comparison

ManipalCigna Sarvah Param vs Star Health Gain

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ManipalCigna

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.

VS
Star

Health Gain

Flexible Health Insurance with Hospitalisation and OPD Benefits

What Makes It Special:

Inpatient Hospitalisation and Outpatient Medical Expenses

Best For:

  • Customers looking for daycare and eligible AYUSH treatment coverage.

  • Customers who use outpatient services at networked facilities.

  • Customers seeking flexible Sum Insured options.

  • Families looking for Individual or Family Floater coverage.

  • Individuals seeking inpatient and outpatient health insurance benefits.

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.

  • Check the treatment-specific sublimits.

  • Review the pre- and post-hospitalisation benefit periods.

  • Check the selected OPD benefit limit.

  • Understand the waiting periods for pre-existing diseases and specified treatments.

  • Review the co-payment applicable to entry age 61 and above.

  • Check the room rent limit.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Sarvah Param
Sarvah Param

Health Insurance Plan

VS
Health Gain
Health Gain

Health Insurance Plan

Brochure

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

Health Gain

  1. Up to 1% of the basic Sum Insured per day.
ICU Charges

Sarvah Param

ICU expenses covered up to the Sum Insured, subject to applicable policy terms.


VS

Health Gain

Covered as part of eligible hospitalisation expenses.

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

Health Gain

20% for insured persons whose age at entry is 61 years and above.

Disease-wise sublimits

Sarvah Param

Treatment-specific limits may apply as specified in the policy schedule.


VS

Health Gain

Sublimits apply to specified treatments, including cataract and listed modern treatments.

Cashless Healthcare Providers

Sarvah Param

Cashless treatment is available through network providers, subject to the insurer's procedures and policy terms.


VS

Health Gain

Cashless treatment is available at eligible network hospitals, subject to pre-authorisation.

Restoration Benefit

Sarvah Param

Unlimited restoration of 100% of the Base Sum Insured is listed, subject to the applicable policy terms.

VS

Health Gain

Not specified.

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

Health Gain

Not specified.

Daycare Treatment

Sarvah Param

Eligible daycare procedures are covered up to the Sum Insured, subject to applicable policy terms.


VS

Health Gain

Eligible daycare procedures are covered, subject to policy terms.

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

Health Gain

Not specified.

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

Health Gain

Eligible inpatient Ayurveda, Unani, Siddha and Homeopathy treatment is covered, subject to policy terms.

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

Health Gain

30 days, except for covered accident-related claims.

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

Health Gain

24 months for specified diseases and procedures.

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

Health Gain

36 months for pre-existing diseases.

Modern Treatment

Sarvah Param

Covered as inpatient or daycare treatment, subject to the limits specified in the policy schedule.


VS

Health Gain

Specified modern treatments are covered, subject to policy limits.

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

Health Gain

Not specified.

Pre-Hospitalisation

Sarvah Param

Covered up to the Sum Insured for 90 days before hospitalisation.


VS

Health Gain

Covered for up to 30 days before hospital admission.

Post-Hospitalisation

Sarvah Param

Covered up to the Sum Insured for 180 days after discharge.


VS

Health Gain

Covered for up to 60 days after discharge.

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

Health Gain

Available at networked facilities in India, up to the selected benefit limit.

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

Health Gain

Not specified.

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

Health Gain

Individual and Family Floater.

Claim Settlement Ratio

Sarvah Param

Not mentioned in the available product reference. Verify separately if this value is required in the CMS.


VS

Health Gain

Insurer-level metric, not a policy benefit.

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

Health Gain

Maternity expenses are excluded, except for the specified ectopic pregnancy exception.

Insurance Plans Comparison

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  • Reduces financial stress of childbirth costs

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