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Insurance Plans Comparison

TATA AIG Medicare Senior vs ManipalCigna Sarvah Param

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TATA AIG

Medicare Senior

Medicare Senior

What Makes It Special:

Comprehensive health insurance coverage with hospitalization, day care, pre and post-hospitalization, AYUSH, restoration and additional health benefits.

Best For:

  • Customers looking for additional protection through benefits such as global cover, consumables and second medical opinion

  • Individuals seeking additional benefits such as restoration, Cumulative Bonus and preventive health check-ups

  • Customers looking for AYUSH treatment and domiciliary hospitalization coverage

  • Individuals seeking inpatient and Day Care Treatment coverage

  • Senior citizens looking for comprehensive health insurance coverage

VS
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.

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

  • Consider Before Buying: Choosing a room category higher than the eligible category mentioned in the policy schedule results in the policyholder bearing 10% of the admissible claim amount.

  • Consider Before Buying: A 36-month waiting period applies to pre-existing diseases and a 24-month waiting period applies to specified diseases and procedures, subject to the policy terms.

  • Reasons to Consider: A 50% Cumulative Bonus is added after every claim-free policy year, up to a maximum of 100% of the Sum Insured.

  • Reasons to Consider: The policy provides automatic restoration of the Basic Sum Insured once during the policy period, subject to applicable conditions.

  • Reasons to Consider: The policy covers inpatient treatment, Day Care Treatment, pre and post-hospitalization expenses, AYUSH treatment and domiciliary hospitalization.

  • 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

Medicare Senior
Medicare Senior

Health Insurance Plan

VS
Sarvah Param
Sarvah Param

Health Insurance Plan

Room Rent

Medicare Senior

Covered according to the room category specified in the Policy Schedule.

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

Medicare Senior

Covered as part of eligible inpatient hospitalisation expenses, subject to the Sum Insured and policy terms.

VS

Sarvah Param

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


Co-payment

Medicare Senior

10% of the admissible claim amount applies when the insured chooses a room category higher than the eligible room category.

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

Medicare Senior

Applicable limits may apply to specific benefits and treatments as specified in the policy.

VS

Sarvah Param

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


Cashless Healthcare Providers

Medicare Senior

Cashless treatment available at network providers, subject to pre-authorisation and applicable policy conditions.

VS

Sarvah Param

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


Restoration Benefit

Medicare Senior

Basic Sum Insured is automatically restored once during the policy period after exhaustion of the Sum Insured and accrued Cumulative Bonus, subject to applicable conditions.

VS

Sarvah Param

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

Cumulative Bonus

Medicare Senior

50% of Sum Insured for every claim-free year, up to a maximum of 100% of Sum Insured.

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

Medicare Senior

Listed Day Care Procedures are covered as specified under the policy.

VS

Sarvah Param

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


Consumable Cover

Medicare Senior

Covered for specified consumables as per the policy terms.

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

Medicare Senior

Covered for eligible inpatient treatment in an AYUSH Hospital.

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

Medicare Senior

30 days, except for claims arising from accidents

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

Medicare Senior

24 months for specified diseases and procedures, subject to applicable policy terms.

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

Medicare Senior

36 months of continuous coverage.

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

Medicare Senior

Covered as per applicable policy terms and conditions.

VS

Sarvah Param

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


Annual Health Checkup

Medicare Senior

Available once after every two continuous claim-free policy years, subject to the applicable limit and policy conditions.

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

Medicare Senior

Covered for up to 60 days before hospitalisation.

VS

Sarvah Param

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


Post-Hospitalisation

Medicare Senior

Covered for up to 90 days after discharge.

VS

Sarvah Param

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


Outpatient Department Cover (OPD Expense)

Medicare Senior

Not covered as a general base OPD benefit.

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

Medicare Senior

Not specified as a standard deductible option.

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

Medicare Senior

Individual and Family Floater options, subject to the Sum Insured options available under the policy.

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

Medicare Senior

Not specified in the supplied policy document.

VS

Sarvah Param

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


Maternity Cover

Medicare Senior

Not covered under the base policy.

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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Why Choose Our Expert Consultation?

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Talk to experienced advisors at no cost, and make confident decisions

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Get a dedicated expert managing your claim end-to-end, from hospital admission to approval, including dispute resolution and support

What Our Experts Help You With

Personalised Recommendations

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  • We decode the fine print—identifying risks, sub-limits, and gaps you may have missed. No surprises later

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Insurance Plans Comparison

Explore Insurance Category

Senior Citizen Health Plan

Senior Citizen Health Plan

  • Secure against age-related medical costs

  • Tailored for seniors healthcare needs

Most Popular

Family Health Plan

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

Maternity Health Plan

  • Covers delivery, newborn care, and maternity expenses

  • Reduces financial stress of childbirth costs

Insurance Plans Comparison

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