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Insurance Plans Comparison

Star Optima Insurance 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

Optima Insurance

Family Floater Health Insurance with Restoration Benefits

What Makes It Special:

Optima Insurance is a family floater health insurance plan focused on hospitalization protection, restoration, recharge and wellness-linked benefits. The source content also lists newborn baby coverage, loyalty bonus accumulation, AYUSH treatment, organ donor expenses, domiciliary treatment and tele-consultation support.

Best For:

  • Families looking for family floater coverage

  • Customers wanting restoration and recharge benefits

  • Families planning long-term coverage

  • Customers interested in wellness-linked benefits

  • Families wanting newborn hospitalization coverage

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

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

Star Optima Insurance

  • Review the 36-month PED waiting period

  • Check the 20% co-payment for entry age 61 years and above

  • Understand how restoration can be used

  • Review newborn baby eligibility and waiting conditions

  • Check limits applicable to modern treatments

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

Optima Insurance
Optima Insurance

Health Insurance Plan

Brochure

Policy Wording

VS
Sarvah Pratham
Sarvah Pratham

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Optima Insurance

Covered; specific room category conditions apply

VS

Sarvah Pratham

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

ICU Charges

Optima Insurance

Covered up to Sum Insured

VS

Sarvah Pratham

Covered up to the Sum Insured.

Co-payment

Optima Insurance

20% mandatory for entry age 61 years and above; voluntary options may be available

VS

Sarvah Pratham

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

Disease-wise sublimits

Optima Insurance

Modern treatments have specified sub-limits

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

Optima Insurance

Available at network hospitals

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

Optima Insurance

Automatic restoration up to three times in a policy year

VS

Sarvah Pratham

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

Daycare Treatment

Optima Insurance

Covered

VS

Sarvah Pratham

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

Cumulative Bonus

Optima Insurance

Loyalty bonus accumulation up to 100% of Sum Insured

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

Optima Insurance

Covered up to Sum Insured

VS

Sarvah Pratham

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

Consumable Cover

Optima Insurance

Not specified in the retrieved source

VS

Sarvah Pratham

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

Initial Waiting Period

Optima Insurance

30 days

VS

Sarvah Pratham

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

Specific Waiting Period

Optima Insurance

24 months

VS

Sarvah Pratham

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

PED Waiting Period

Optima Insurance

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

Optima Insurance

Covered with specified sub-limits

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

Optima Insurance

Available

VS

Sarvah Pratham

Available as an optional cover.

Pre-Hospitalisation

Optima Insurance

Covered, subject to policy terms

VS

Sarvah Pratham

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

Post-Hospitalisation

Optima Insurance

Covered, subject to policy terms

VS

Sarvah Pratham

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

Outpatient Department Cover (OPD Expense)

Optima Insurance

Not specified in the retrieved source

VS

Sarvah Pratham

Not covered under the base plan.

Deductible Option

Optima Insurance

Not specified in the retrieved source

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

Optima Insurance

Family Floater

VS

Sarvah Pratham

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

Claim Settlement Ratio

Optima Insurance

Not specified in the retrieved source

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

Optima Insurance

Not specified in the retrieved source

VS

Sarvah Pratham

Not available under Sarvah Pratham.

Insurance Plans Comparison

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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

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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

Insurance Plans Comparison

Frequently Asked Questions (FAQs)

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