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Insurance Plans Comparison

Niva Bupa Health Companion Family First Plan 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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Niva Bupa

Health Companion Family First Plan

Cover an extended family with a separate sum insured per person and a shared floater after that sum insured is used, and add 20% of each person's base sum insured each claim-free year up to 100%.

What Makes It Special:

Family First is a Health Companion variant. The prospectus describes an individual or family floater with a refill benefit, no-claim bonus, a 60-day pre and 180-day post-hospitalisation cover, and optional hospital cash and personal accident cover.

Best For:

  • Buyers who do not need maternity or OPD cover

  • Buyers who need hospitalisation, day care and AYUSH cover

  • Families with a parent covered alongside the insured

  • Buyers who want a no-claim bonus that builds to 100%

  • Families who want a floater with a refill benefit

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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Quick Decision Guide

  • Children are split off to their own policy after 26.

  • The 20% co-payment applies to higher room categories on Variant 2023, so choose your room carefully.

  • Refill applies once a year, so it is not unlimited cover.

  • Maternity is excluded, so choose another plan if you plan a pregnancy.

  • The 36-month PED wait applies, so buy early if anyone has an existing condition.

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.

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Detailed Features Comparison

Compare the key features of different health insurance plans

Health Companion Family First Plan
Health Companion Family First Plan

Health Insurance Plan

Brochure

VS
Sarvah Pratham
Sarvah Pratham

Health Insurance Plan

Room Rent

Health Companion Family First Plan

  1. Normal: Covered up to sum insured
  2. ICU: Covered up to sum insured.
VS

Sarvah Pratham

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

Advanced Treatments

Health Companion Family First Plan

  1. Robotic surgeries
  2. Stem cell therapy
  3. Oral chemotherapy
  4. Deep brain stimulation
  5. Bronchial thermoplasty
  6. Intraoperative neuro monitoring (IONM).
VS

Sarvah Pratham

Information Unavailable

ICU Charges

Health Companion Family First Plan

Covered up to the sum insured as part of in-patient care

VS

Sarvah Pratham

Covered up to the Sum Insured.

Co-payment

Health Companion Family First Plan

The policy does not mandate a co-payment, meaning the insurer covers the full admissible claim amount without requiring the insured to pay a portion.

VS

Sarvah Pratham

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

Disease-wise sublimits

Health Companion Family First Plan

No disease sublimit schedule in the prospectus. Sum insured limits apply to all covered treatment.

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.

Cashless Healthcare Providers

Health Companion Family First Plan

Access to over 10,000 network hospitals and clinics for cashless treatments, ensuring convenient and hassle-free medical care.

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.

Restoration Benefit

Health Companion Family First Plan

Refill: restores up to the base sum insured once per policy year, for the same or a different illness, after the first paid claim

VS

Sarvah Pratham

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

Daycare Treatment

Health Companion Family First Plan

Covers medical procedures that require less than 24-hour hospitalization, such as cataract surgery and chemotherapy, accommodating treatments that don't necessitate extended hospital stays.

VS

Sarvah Pratham

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

Cumulative Bonus

Health Companion Family First Plan

No claim bonus of 20% of the expiring base sum insured for each claim-free year, up to 100% of the base sum insured. A claim does not reduce the bonus.

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.

AYUSH Treatment

Health Companion Family First Plan

Expenses for alternative treatments, including Ayurveda, Yoga, Unani, Siddha, and Homeopathy, are covered when availed at government-recognized institutions, promoting holistic healthcare options.

VS

Sarvah Pratham

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

Consumable Cover

Health Companion Family First Plan

Medicines and consumables prescribed during treatment are covered. Items in Annexure II, such as toiletries, gloves and diapers, are not.

VS

Sarvah Pratham

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

Initial Waiting Period

Health Companion Family First Plan

30 days, except accidents

VS

Sarvah Pratham

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

Specific Waiting Period

Health Companion Family First Plan

24 months for listed conditions

VS

Sarvah Pratham

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

PED Waiting Period

Health Companion Family First Plan

36 months.

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

Health Companion Family First Plan

Covered up to the sum insured. Includes robotic surgery, stereotactic radiosurgery, deep brain stimulation, oral chemotherapy and other listed treatments.

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

Health Companion Family First Plan

Once every policy year from day one, for defined tests. Up to ₹500 per ₹1 lakh of base sum insured. Individual: ₹5,000 maximum per insured. Floater: ₹10,000 per policy. Booked through the app, cashless only.

VS

Sarvah Pratham

Available as an optional cover.

Pre-Hospitalisation

Health Companion Family First Plan

60 days before admission, up to the sum insured

VS

Sarvah Pratham

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

Post-Hospitalisation

Health Companion Family First Plan

180 days after discharge, up to the sum insured

VS

Sarvah Pratham

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

Outpatient Department Cover (OPD Expense)

Health Companion Family First Plan

Not covered. OPD treatment is an excluded expense.

VS

Sarvah Pratham

Not covered under the base plan.

Deductible Option

Health Companion Family First Plan

Annual aggregate deductible of ₹10,000, ₹20,000, ₹30,000, ₹50,000, ₹1 lakh, ₹2 lakh, ₹3 lakh, ₹4 lakh, ₹5 lakh or ₹10 lakh. Does not apply to health checks, animal bite or hospital cash.

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

Health Companion Family First Plan

Individual or floater, with optional hospital cash, personal accident and deductible

VS

Sarvah Pratham

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

Claim Settlement Ratio

Health Companion Family First Plan

Claim Settlement Ratio (CSR) of 93.3% as a three-year IRDAI weighted average, and 95.6% in recent quarterly company disclosures (Q1 FY 2026-27).

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

Health Companion Family First Plan

Not covered. Maternity expenses are an excluded expense.

VS

Sarvah Pratham

Not available under Sarvah Pratham.

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Explore Insurance Category

Senior Citizen Health Plan

Senior Citizen Health Plan

  • Secure against age-related medical costs

  • Tailored for seniors healthcare needs

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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

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Health Companion Family First Plan Vs Sarvah Pratham

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