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Insurance Plans Comparison

Star Cancer Care Platinum 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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Star

Cancer Care Platinum

Cancer Care Platinum

What Makes It Special:

A health insurance plan built for people who have already been diagnosed with cancer (any stage). It pays hospital bills for both cancer and non-cancer illnesses, needs no pre-policy medical tests, and offers an optional lump-sum payout if cancer comes back, spreads, or a new unrelated cancer develops.

Best For:

  • Buyers who prefer no pre-policy medical tests (past medical records are submitted instead)

  • Families planning for possible recurrence or spread of cancer through a lump-sum payout

  • Patients who want help with costs of advanced treatments like oral chemotherapy, immunotherapy and robotic surgery

  • Cancer survivors who want cover for both cancer and everyday hospital needs

  • People already diagnosed with cancer who find it hard to get regular health insurance

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

Insurance Plans Comparison

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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

Star Cancer Care Platinum

  • Things to Consider: 10% co-payment applies if the insured person's entry age is 61 or above; maternity is not covered.

  • Things to Consider: Several treatments have sub-limits (modern treatments, cataract, rehabilitation, hospice care).

  • Things to Consider: Room is limited to a Single Standard A/C room; post-hospitalisation is capped at 2% of SI per hospitalisation.

  • Things to Consider: Sum Insured is limited to Rs.5L, 7.5L or 10L and cannot be increased later, even on renewal.

  • Things to Consider: Pre-existing diseases, including the cancer itself, have a 30-month waiting period.

  • Reasons to Consider: Includes hospice care (up to 20% of SI), rehabilitation and pain management, health check-up and second medical opinion.

  • Reasons to Consider: Optional Section II pays a lump sum (50% of base SI) on recurrence, metastasis or a second unrelated cancer.

  • Reasons to Consider: No pre-policy medical tests, irrespective of age.

  • Reasons to Consider: Covers hospitalisation for both cancer and non-cancer conditions.

  • Reasons to Consider: Designed specifically for people with a cancer diagnosis, aged 5 months to 65 years.

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

Cancer Care Platinum
Cancer Care Platinum

Health Insurance Plan

Brochure

Policy Wording

VS
Sarvah Pratham
Sarvah Pratham

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Cancer Care Platinum

Single Standard AC Room

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

Cancer Care Platinum

Covered

VS

Sarvah Pratham

Information Unavailable

ICU Charges

Cancer Care Platinum

Information Unavailable

VS

Sarvah Pratham

Covered up to the Sum Insured.

Co-payment

Cancer Care Platinum

Applicable for Senior Entry Ages

VS

Sarvah Pratham

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

Disease-wise sublimits

Cancer Care Platinum

Information Unavailable

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.

Waiting Period

Cancer Care Platinum

Initial Waiting Period: 30 Days

Pre-existing Disease Waiting Period: 30 Months

VS

Sarvah Pratham

Information Unavailable

Cashless Healthcare Providers

Cancer Care Platinum

Available

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

Cancer Care Platinum

Information Unavailable

VS

Sarvah Pratham

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

Daycare Treatment

Cancer Care Platinum

Covered

VS

Sarvah Pratham

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

Cumulative Bonus

Cancer Care Platinum

Information Unavailable

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

Cancer Care Platinum

Covered

VS

Sarvah Pratham

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

Consumable Cover

Cancer Care Platinum

Information Unavailable

VS

Sarvah Pratham

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

Initial Waiting Period

Cancer Care Platinum

Information Unavailable

VS

Sarvah Pratham

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

Specific Waiting Period

Cancer Care Platinum

Information Unavailable

VS

Sarvah Pratham

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

PED Waiting Period

Cancer Care Platinum

Information Unavailable

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

Cancer Care Platinum

Information Unavailable

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

Cancer Care Platinum

Information Unavailable

VS

Sarvah Pratham

Available as an optional cover.

Pre-Hospitalisation

Cancer Care Platinum

Information Unavailable

VS

Sarvah Pratham

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

Post-Hospitalisation

Cancer Care Platinum

Information Unavailable

VS

Sarvah Pratham

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

Outpatient Department Cover (OPD Expense)

Cancer Care Platinum

Information Unavailable

VS

Sarvah Pratham

Not covered under the base plan.

Deductible Option

Cancer Care Platinum

Information Unavailable

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

Cancer Care Platinum

Information Unavailable

VS

Sarvah Pratham

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

Claim Settlement Ratio

Cancer Care Platinum

Information Unavailable

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

Cancer Care Platinum

Information Unavailable

VS

Sarvah Pratham

Not available under Sarvah Pratham.

Insurance Plans Comparison

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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

  • 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

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  • 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

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

Frequently Asked Questions (FAQs)

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