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Insurance Plans Comparison

Care Supreme Enhance One vs ManipalCigna Sarvah Pratham

Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...

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Care

What Makes It Special:

Care Supreme Enhance 1 is a feature-rich health insurance plan offering comprehensive medical coverage with high sum insured options. It covers hospitalization, daycare procedures, pre- and post-hospitalization, along with wellness benefits and add-ons. Designed for individuals and families, it ensures financial protection and peace of mind against rising healthcare costs.

Best For:

  • Family-friendly coverage with wellness benefits

  • Extra add-ons for enhanced protection

  • Cashless treatment at a wide hospital network

  • Complete hospitalization & daycare coverage

  • High sum insured with affordable premiums

VS
ManipalCigna

Sarvah Pratham

Comprehensive health insurance with high sum insured options and flexible add-on benefits

What Makes It Special:

Comprehensive Health Insurance

Best For:

  • 1. Individuals who prefer flexible deductible and voluntary co-payment options.

  • Customers looking for optional benefits such as Restoration, Gullak and Sarathi.

  • People who want benefits such as AYUSH treatment and pre- and post-hospitalisation coverage.

  • Customers looking for coverage options ranging from ₹5 lakh to ₹3 crore.

  • Individuals and families looking for high sum insured options, broad hospitalisation coverage and optional benefits such as unlimited restoration and guaranteed cumulative bonus

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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

Care Supreme Enhance One

  • You want flexible add-ons for enhanced family protection

  • You want wellness benefits and rewards built into your plan

  • You want daycare, pre- and post-hospitalization expenses covered

  • You want cashless hospitalization across a wide network

  • You want high medical coverage at affordable premiums

ManipalCigna Sarvah Pratham

  • Check the available benefits, limits and optional covers carefully before choosing the plan to make sure they match your healthcare needs.

  • Consider Sarvah Pratham if you prefer flexibility through deductible and voluntary co-payment options.

  • This plan may be suitable if you want the option to add benefits such as Restoration, Gullak and Sarathi.

  • Consider this plan if you want hospitalisation coverage along with AYUSH treatment and pre- and post-hospitalisation benefits.

  • Consider Sarvah Pratham if you want coverage from ₹5 lakh to ₹3 crore with single private AC room coverage, AYUSH treatment, pre- and post-hospitalisation coverage, and the option to add benefits such as Restoration, Gullak and Sarathi. The plan also offers flexible deductible and voluntary co-payment options.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Supreme Enhance One
Supreme Enhance One

Health Insurance Plan

Brochure

Policy Wording

VS
Sarvah Pratham
Sarvah Pratham

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Supreme Enhance One

  1. Normal:  No limit on room rent.
  2. ICU: No limit on ICU charges.
VS

Sarvah Pratham

Single Private AC Room under the base policy. ICU expenses are covered up to the Sum Insured.

ICU Charges

Supreme Enhance One

No restriction on ICU room rent

VS

Sarvah Pratham

Covered up to the Sum Insured.

Advanced Treatments

Supreme Enhance One

  1. Robotic surgery
  2. Stem cell therapy
  3. Deep brain stimulation
  4. Immunotherapy
  5. Monoclonal antibody injections
  6. Oral chemotherapy
  7. Intra-vitreal injections
  8. Balloon Sinuplasty.
VS

Sarvah Pratham

Information Unavailable

Disease-wise sublimits

Supreme Enhance One

No

VS

Sarvah Pratham

Hospitalisation for Heart, Cancer, Stroke and Major Organ/Bone Marrow Transplant is covered up to the applicable Sum Insured. Listed Modern and Advanced Treatments are subject to the specific limits stated in the Policy Schedule.

Co-payment

Supreme Enhance One

No mandatory co-payment for policyholders below 61 years. Policyholders above 61 years have a mandatory 20% co-payment.

VS

Sarvah Pratham

Optional Voluntary Co-payment of 10%, 20% or 30%. No zonal co-payment applies.

Waiting Period

Supreme Enhance One

.

VS

Sarvah Pratham

Information Unavailable

Restoration Benefit

Supreme Enhance One

Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses

VS

Sarvah Pratham

Optional: Unlimited restoration of the Base Sum Insured for related and unrelated illnesses/injuries during the policy year.

Cashless Healthcare Providers

Supreme Enhance One

Access to 24,800+ network hospitals for cashless treatment.

VS

Sarvah Pratham

15,000+ cashless hospitals/network providers are currently advertised by ManipalCigna. The exact network is subject to change and should be checked through the insurer's locator.

Cumulative Bonus

Supreme Enhance One

Your sum insured increases by 10% every year, maximum up to 100%

VS

Sarvah Pratham

Gullak – Optional: 100% of Base Sum Insured is added every policy year, up to a maximum of 1500% of the Base Sum Insured, irrespective of claims.

Daycare Treatment

Supreme Enhance One

.

VS

Sarvah Pratham

Covered up to the Sum Insured for eligible Day Care Treatment related to the specified illnesses.

Consumable Cover

Supreme Enhance One

Yes

VS

Sarvah Pratham

Not included in the base cover. Optional: Coverage for Non-Medical Items and Durable Medical Equipment is available.

AYUSH Treatment

Supreme Enhance One

.

VS

Sarvah Pratham

Covered up to the Sum Insured for eligible treatment related to the specified illnesses, subject to policy terms.

Initial Waiting Period

Supreme Enhance One

30 days

VS

Sarvah Pratham

30 days, applicable under the standard waiting-period structure; accident claims are exempt.

Specific Waiting Period

Supreme Enhance One

2 years

VS

Sarvah Pratham

24 months for specified diseases/procedures, when the applicable Pratiksha optional cover is opted for.

PED Waiting Period

Supreme Enhance One

3 years

VS

Sarvah Pratham

36 months under the base policy. Sarathi/Sarathi 2.0 can provide reduction for specified declared and accepted PED-related conditions, subject to its terms.

Modern Treatment

Supreme Enhance One

Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period

VS

Sarvah Pratham

Covered for listed Modern and Advanced Treatments for the specified illnesses, subject to the applicable limits in the Policy Schedule.

Annual Health Checkup

Supreme Enhance One

Health check-up is available once every policy year, from day 1 of the policy

VS

Sarvah Pratham

Available as an optional cover.

Pre-Hospitalisation

Supreme Enhance One

You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved

VS

Sarvah Pratham

Covered for 90 days immediately before hospitalisation, subject to the policy terms.

Post-Hospitalisation

Supreme Enhance One

You get cover for medical bills up to 90 days after discharge, including physiotherapy if your doctor prescribes it

VS

Sarvah Pratham

Covered for 180 days after discharge, subject to the policy terms.

Outpatient Department Cover (OPD Expense)

Supreme Enhance One

OPD expense is not included

VS

Sarvah Pratham

Not covered under the base plan.

Deductible Option

Supreme Enhance One

Available

VS

Sarvah Pratham

Optional Aggregate Deductible: ₹10,000, ₹25,000, ₹50,000, ₹1 lakh, ₹2 lakh, ₹3 lakh, ₹4 lakh, ₹5 lakh or ₹10 lakh. Daily Deductible options are also available: ₹1,000, ₹2,000, ₹3,000, ₹4,000 or ₹5,000 per day.

Coverage Options

Supreme Enhance One

Available coverage options: 20L to 1cr

VS

Sarvah Pratham

Base Sum Insured options from ₹5 lakh to ₹3 crore.

Claim Settlement Ratio

Supreme Enhance One

96%

VS

Sarvah Pratham

99.88% of claims settled within 3 months in FY 2024–25, based on the latest IRDAI-reported data. This is an insurer-level figure, not a Sarvah Pratham-specific ratio.

Maternity Cover

Supreme Enhance One

Not available

VS

Sarvah Pratham

Not available under Sarvah Pratham.

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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

  • Every suggestion is backed by expert analysis of your life stage, goals, and budget

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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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  • From digital onboarding to real-time claim tracking, our platform makes insurance easy, accessible, and stress-free

Insurance Plans Comparison

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Frequently Asked Questions (FAQs)

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