Insurance Plans Comparison
TATA AIG Medicare LITE vs ManipalCigna Sarvah Pratham
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreMedicare LITE
Medicare LITE
What Makes It Special:
Affordable health insurance with comprehensive hospitalisation coverage
Best For:
Customers who want additional benefits such as Restore Benefit, health check-ups, teleconsultation and lifelong renewal.
Individuals looking for coverage that includes In-Patient Treatment, Day Care Treatment, AYUSH treatment and pre and post-hospitalisation expenses.
Customers who want Sum Insured options ranging from ₹5 lakh to ₹20 lakh.
Families looking for Individual or Family Floater health insurance coverage.
Individuals looking for a budget-friendly health insurance plan with comprehensive hospitalisation coverage.
VS
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
Before choosing the plan, consider its waiting periods, age-linked and network-related co-payment conditions, room category and other policy terms that may affect your claim.
If you want additional protection after your available Sum Insured and accrued Cumulative Bonus are exhausted, the Restore Benefit automatically reinstates 100% of the Sum Insured once during the policy year, subject to applicable conditions.
MediCare LITE may be considered if you want both Individual and Family Floater policy options, with coverage available for eligible family members.
The plan offers Sum Insured options of ₹5 lakh, ₹7.5 lakh, ₹10 lakh, ₹15 lakh and ₹20 lakh, allowing you to select the coverage amount applicable to your requirements.
Consider MediCare LITE if you want a health insurance plan with In-Patient Treatment, Day Care Treatment and related medical expenses covered under one policy.
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
![]() Medicare LITE Health Insurance Plan VS VS |
![]() Sarvah Pratham Health Insurance Plan |
| Room Rent |
|---|
Medicare LITE Normal: Single Private Room ICU: Up to Sum Insured |
VS VS |
Sarvah Pratham Single Private AC Room under the base policy. ICU expenses are covered up to the Sum Insured. |
| Advanced Treatments |
|---|
Medicare LITE Bariatric Surgery Cover Modern Treatments (subject to policy terms and limits) In-Patient Dental Treatment Hearing Aid Benefit |
VS VS |
Sarvah Pratham Information Unavailable |
| ICU Charges |
|---|
Medicare LITE Information Unavailable |
VS VS |
Sarvah Pratham Covered up to the Sum Insured. |
| Co-payment |
|---|
Medicare LITE 20% co-payment if entry age is 61 years or above at first coverage 30% co-payment for treatment outside the "Valued Provider – Pan India" network |
VS VS |
Sarvah Pratham Optional Voluntary Co-payment of 10%, 20% or 30%. No zonal co-payment applies. |
| Disease-wise sublimits |
|---|
Medicare LITE No specific disease-wise sublimit specified |
VS 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 |
|---|
Medicare LITE Initial Waiting Period: 30 days Pre-existing Disease Waiting Period: 36 months |
VS VS |
Sarvah Pratham Information Unavailable |
| Cashless Healthcare Providers |
|---|
Medicare LITE Cashless treatment available through Valued Provider – Pan India network |
VS 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 |
|---|
Medicare LITE 100% of Sum Insured restored once during the policy year |
VS VS |
Sarvah Pratham Optional: Unlimited restoration of the Base Sum Insured for related and unrelated illnesses/injuries during the policy year. |
| Daycare Treatment |
|---|
Medicare LITE Covered up to Sum Insured |
VS VS |
Sarvah Pratham Covered up to the Sum Insured for eligible Day Care Treatment related to the specified illnesses. |
| Cumulative Bonus |
|---|
Medicare LITE Information Unavailable |
VS 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 |
|---|
Medicare LITE Covered up to Sum Insured |
VS VS |
Sarvah Pratham Covered up to the Sum Insured for eligible treatment related to the specified illnesses, subject to policy terms. |
| Consumable Cover |
|---|
Medicare LITE Information Unavailable |
VS VS |
Sarvah Pratham Not included in the base cover. Optional: Coverage for Non-Medical Items and Durable Medical Equipment is available. |
| Initial Waiting Period |
|---|
Medicare LITE Information Unavailable |
VS VS |
Sarvah Pratham 30 days, applicable under the standard waiting-period structure; accident claims are exempt. |
| Specific Waiting Period |
|---|
Medicare LITE Information Unavailable |
VS VS |
Sarvah Pratham 24 months for specified diseases/procedures, when the applicable Pratiksha optional cover is opted for. |
| PED Waiting Period |
|---|
Medicare LITE Information Unavailable |
VS 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 |
|---|
Medicare LITE Information Unavailable |
VS 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 |
|---|
Medicare LITE Information Unavailable |
VS VS |
Sarvah Pratham Available as an optional cover. |
| Pre-Hospitalisation |
|---|
Medicare LITE Covered up to 60 days before hospitalisation |
VS VS |
Sarvah Pratham Covered for 90 days immediately before hospitalisation, subject to the policy terms. |
| Post-Hospitalisation |
|---|
Medicare LITE Covered up to 180 days after hospitalisation |
VS VS |
Sarvah Pratham Covered for 180 days after discharge, subject to the policy terms. |
| Outpatient Department Cover (OPD Expense) |
|---|
Medicare LITE Not covered |
VS VS |
Sarvah Pratham Not covered under the base plan. |
| Deductible Option |
|---|
Medicare LITE Not specified |
VS 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 |
|---|
Medicare LITE ₹5 Lakhs, ₹7.5 Lakhs, ₹10 Lakhs, ₹15 Lakhs and ₹20 Lakhs |
VS VS |
Sarvah Pratham Base Sum Insured options from ₹5 lakh to ₹3 crore. |
| Claim Settlement Ratio |
|---|
Medicare LITE Not specified in the product prospectus |
VS 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 |
|---|
Medicare LITE Not covered |
VS VS |
Sarvah Pratham Not available under Sarvah Pratham. |
Insurance Plans Comparison
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