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Insurance Plans Comparison

Niva Bupa Health Assurance 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 Assurance

Choose a listed critical-illness lump sum, accident cover and daily hospital cash as fixed benefits you can combine, with hospital cash paid for each day in hospital up to 45 days a year.

What Makes It Special:

Health Assurance is a Niva Bupa family plan made up of three separate covers. CritiCare pays a lump sum for listed critical illnesses. HospiCash pays a fixed daily cash amount during hospitalisation. AccidentCare pays for accidental death, permanent disability and temporary disability.

Best For:

  • Buyers who want lifelong renewal on all three covers

  • Parents who want child education benefits paid on an accidental death or permanent disability of the proposer

  • Working adults who want accident death, disability and income-loss cover

  • Buyers who want daily cash to cover incidental costs during a hospital stay

  • Families who want a lump sum if a listed critical illness is diagnosed

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

  • The sum insured for AccidentCare and TTD is linked to annual income, so check the limits against your income.

  • Only 2 adults can be covered under a CritiCare family option, so check this before buying for a larger family.

  • AccidentCare has no waiting period, but it is available only to Risk Class 1 and 2 occupations, with a 50% loading for Risk Class 2.

  • HospiCash pays a fixed daily amount for up to 45 days a year, so it does not reimburse hospital bills.

  • CritiCare does not start for 90 days, and a 36-month PED wait applies, so buy early if you have a 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 Assurance
Health Assurance

Health Insurance Plan

VS
Sarvah Pratham
Sarvah Pratham

Health Insurance Plan

Room Rent

Health Assurance

Normal: Covered up to Sum Insured

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 Assurance

Modern Treatments covered up to Sum Insured

VS

Sarvah Pratham

Information Unavailable

ICU Charges

Health Assurance

Under HospiCash, the ICU cash benefit is double the daily cash benefit for ICU stays, up to 7 days a year.

VS

Sarvah Pratham

Covered up to the Sum Insured.

Co-payment

Health Assurance

Optional co-payment available

VS

Sarvah Pratham

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

Disease-wise sublimits

Health Assurance

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.

Cashless Healthcare Providers

Health Assurance

10,000+ 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

Health Assurance

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

Health Assurance

Covered

VS

Sarvah Pratham

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

Cumulative Bonus

Health Assurance

AccidentCare renewal benefit: the sum insured rises by 5% for each claim-free year, up to a total of 25%. Applies to all AccidentCare benefits except TTD and accident hospitalisation.

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 Assurance

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

Health Assurance

Please refer to the policy wording.

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 Assurance

CritiCare: 90 days. HospiCash: 30 days, except accidents. AccidentCare: none.

VS

Sarvah Pratham

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

Specific Waiting Period

Health Assurance

HospiCash only: 24 months for 17 listed conditions and procedures

VS

Sarvah Pratham

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

PED Waiting Period

Health Assurance

36 months for CritiCare and HospiCash

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 Assurance

Not covered as a separate benefit. AccidentCare Hospitalisation covers surgery, room rent and related costs for accidental injury up to 2% of the AccidentCare sum insured.

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 Assurance

Kindly refer to the policy wording.

VS

Sarvah Pratham

Available as an optional cover.

Pre-Hospitalisation

Health Assurance

Information Unavailable

VS

Sarvah Pratham

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

Post-Hospitalisation

Health Assurance

Kindly refer to policy wording.

VS

Sarvah Pratham

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

Outpatient Department Cover (OPD Expense)

Health Assurance

Not covered.

VS

Sarvah Pratham

Not covered under the base plan.

Deductible Option

Health Assurance

Kindly refer to the policy wording.

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 Assurance

AccidentCare (individual or family, with optional TTD and accident hospitalisation), CritiCare (individual or family floater, Option 1 lump sum or Option 2 lump sum with staggered payout), HospiCash (individual or family, daily cash).

VS

Sarvah Pratham

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

Claim Settlement Ratio

Health Assurance

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 Assurance

Information Unavailable

VS

Sarvah Pratham

Not available under Sarvah Pratham.

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Senior Citizen Health Plan

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Family Health Plan

  • One policy covers the entire family

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  • 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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