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Insurance Plans Comparison

ManipalCigna Sarvah Param vs Niva Bupa Reassure 3.0 Black

Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...

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ManipalCigna

Sarvah Param

Sarvah Param Comprehensive health insurance with unlimited restoration, Gullak Guaranteed Cumulative Bonus and flexible optional benefits.

What Makes It Special:

ManipalCigna Sarvah Param is a comprehensive health insurance plan offering hospitalisation coverage, unlimited restoration, guaranteed cumulative bonus, wellness benefits and optional coverage enhancements.

Best For:

  • 1. Policyholders who want flexibility through optional benefits and coverage enhancements.

  • Customers looking for mental health and HIV/AIDS-related hospitalisation coverage.

  • Individuals interested in guaranteed cumulative bonus accumulation through the Gullak benefit.

  • Customers seeking unlimited restoration of the Base Sum Insured.

  • Families looking for comprehensive hospitalisation coverage.

VS
Niva Bupa

Reassure 3.0 Black

Premium health insurance coverage with unlimited sum-insured options, flexible co-payment and deductible choices, and additional benefits subject to policy terms.

What Makes It Special:

Niva Bupa ReAssure 3.0 Black is the Black variant of the ReAssure 3.0 health insurance product. The supplied brochure lists coverage for hospitalisation expenses, modern treatments, AYUSH treatment, pre- and post-hospitalisation expenses, and ambulance services. It also describes benefits such as Lock the Clock, Live Healthy, Cash-Bag+, and optional Wellconsult+,...

Best For:

  • Buyers who want to explore premium-related benefits such as Lock the Clock and claim-free-year cashback through Cash-Bag+, subject to the applicable terms.

  • Individuals interested in additional benefits such as OPD services through Wellconsult+ or non-payable-item coverage through Claim Safeguard+, where available.

  • Buyers who value any-room coverage, as listed for the Black variant in the brochure.

  • Individuals who prefer the flexibility to choose a co-payment percentage or annual aggregate deductible.

  • Buyers seeking a health insurance plan with unlimited sum-insured options, subject to availability and policy conditions.

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

  • 1. Confirm the applicable waiting periods, room eligibility, treatment limits and exclusions before purchasing the plan.

  • Review optional benefits carefully to understand which additional covers are relevant to your needs.

  • Check the policy terms for mental health and HIV/AIDS-related hospitalisation coverage.

  • Review the Gullak benefit if you want guaranteed cumulative bonus accumulation irrespective of claims.

  • Consider Sarvah Param if you want unlimited restoration of the Base Sum Insured, subject to policy terms.

  • Optional benefits and exclusions: Confirm the availability and cost of Wellconsult+, Claim Safeguard+, Borderless, and other optional benefits, along with their individual limits and exclusions.

  • Room eligibility and network: Verify the any-room benefit, room-category restrictions, network hospitals, and potential co-payment when specified conditions are not met.

  • Co-payment and deductibles: Compare the available percentages and deductible amounts. Understand how these affect the amount payable during a claim.

  • Waiting periods: Check the initial waiting period, specific-disease waiting periods, and pre-existing disease waiting period. Confirm whether any optional modification has been accepted.

  • Sum insured: Confirm the available sum-insured options, premium, and the precise meaning of unlimited coverage under the policy.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Sarvah Param
Sarvah Param

Health Insurance Plan

VS
Reassure 3.0 Black
Reassure 3.0 Black

Health Insurance Plan

Room Rent

Sarvah Param

A single private AC room is listed as the standard room category. Proportionate deductions may apply when a higher room category is selected. Optional room rent modification is available for "Any Room" or "Twin Sharing AC Room".


VS

Reassure 3.0 Black

Any room category covered up to SI with no room-type capping.

ICU Charges

Sarvah Param

ICU expenses covered up to the Sum Insured, subject to applicable policy terms.


VS

Reassure 3.0 Black

Covered as part of hospitalisation expenses up to applicable SI

Co-payment

Sarvah Param

No mandatory co-payment is mentioned in the available reference. Voluntary co-payment is available as an optional cover at 10%, 20% or 30%.


VS

Reassure 3.0 Black

Optional: 0%, 10%, 20%, 30%, 40%, 50% choices available.

Disease-wise sublimits

Sarvah Param

Treatment-specific limits may apply as specified in the policy schedule.


VS

Reassure 3.0 Black

No general disease-wise sublimit specified

Cashless Healthcare Providers

Sarvah Param

Cashless treatment is available through network providers, subject to the insurer's procedures and policy terms.


VS

Reassure 3.0 Black

Available through Niva Bupa network hospitals.

Restoration Benefit

Sarvah Param

Unlimited restoration of 100% of the Base Sum Insured is listed, subject to the applicable policy terms.

VS

Reassure 3.0 Black

ReAssure Forever: Base SI restored after first claim, unlimited times for life.

Cumulative Bonus

Sarvah Param

Gullak Guaranteed Cumulative Bonus adds 100% of the Base Sum Insured every policy year, irrespective of claims, up to 1,500%, subject to applicable terms.


VS

Reassure 3.0 Black

Booster+ add on: Accumulates up to 10X base SI carried forward annually.

Daycare Treatment

Sarvah Param

Eligible daycare procedures are covered up to the Sum Insured, subject to applicable policy terms.


VS

Reassure 3.0 Black

Eligible Day Care Treatments covered under hospitalisation benefit.

Consumable Cover

Sarvah Param

Covered up to the Base Sum Insured under the optional cover "Coverage for Non-Medical Items and Durable Medical Equipment".


VS

Reassure 3.0 Black

Yes, medicines, drugs and consumables included in hospitalisation expenses.

AYUSH Treatment

Sarvah Param

AYUSH treatment is covered up to the Sum Insured when received at an eligible AYUSH hospital, subject to policy terms.


VS

Reassure 3.0 Black

Covers AYUSH hospitalisation up to applicable SI

Initial Waiting Period

Sarvah Param

No initial waiting period applies by default. A 30-day initial waiting period applies only if the optional cover "Pratiksha" is opted.


VS

Reassure 3.0 Black

30 days (standard terms apply).

Specific Waiting Period

Sarvah Param

No specific waiting period applies by default. A 24-month specific disease or procedure waiting period applies only if the optional cover "Pratiksha" is opted.


VS

Reassure 3.0 Black

Standard period with option to modify to 12 or 36 months.

PED Waiting Period

Sarvah Param

Pre-existing diseases have no waiting period by default. Personal waiting periods of up to 36 months may apply under special underwriting conditions or if the optional cover "Pratiksha" is opted.


VS

Reassure 3.0 Black

Standard 36 months with option to modify to 12 or 24 months

Modern Treatment

Sarvah Param

Covered as inpatient or daycare treatment, subject to the limits specified in the policy schedule.


VS

Reassure 3.0 Black

Covers robotic surgery, oral chemotherapy, stereotactic radiosurgery, deep brain stimulation, intravitreal injections up to applicable SI.

Annual Health Checkup

Sarvah Param

Health check-up benefits are available once every policy year, including the first year, for adult members on a cashless basis. The available packages are categorised as Package 1, 2 or 3 based on the Base Sum Insured.


VS

Reassure 3.0 Black

Not in Black variant base; NivaBupaOne provides Executive Health Assessment separately.

Pre-Hospitalisation

Sarvah Param

Covered up to the Sum Insured for 90 days before hospitalisation.


VS

Reassure 3.0 Black

Up to 60 days before hospitalisation when related to approved claim.

Post-Hospitalisation

Sarvah Param

Covered up to the Sum Insured for 180 days after discharge.


VS

Reassure 3.0 Black

Up to 180 days after discharge for related eligible medical expenses.

Outpatient Department Cover (OPD Expense)

Sarvah Param

Standard OPD expenses are excluded. However, the plan provides unlimited teleconsultations with network general physicians and discounts on diagnostics and pharmacy through network providers.


VS

Reassure 3.0 Black

Not in base; Wellconsult+ available as optional OPD benefit.

Deductible Option

Sarvah Param

Optional deductibles are available as either an Aggregate Deductible of ₹10,000, ₹25,000, ₹50,000, ₹1 lakh, ₹2 lakh, ₹3 lakh, ₹4 lakh, ₹5 lakh or ₹10 lakh, or a Per Day Deductible of ₹1,000, ₹2,000, ₹3,000, ₹4,000 or ₹5,000 per day.


VS

Reassure 3.0 Black

Annual Aggregate Deductible available: ₹10K to ₹5L range.

Coverage Options

Sarvah Param

Base Sum Insured options are ₹5 lakh, ₹7.5 lakh, ₹10 lakh, ₹15 lakh, ₹20 lakh, ₹25 lakh, ₹50 lakh, ₹1 crore, ₹2 crore and ₹3 crore.


VS

Reassure 3.0 Black

₹5L, ₹10L, Unlimited SI.

Claim Settlement Ratio

Sarvah Param

Not mentioned in the available product reference. Verify separately if this value is required in the CMS.


VS

Reassure 3.0 Black

80%

Maternity Cover

Sarvah Param

Optional maternity cover is available up to 20% of the Base Sum Insured, subject to a maximum of ₹5 lakh, with a 36-month continuous coverage requirement. It covers up to two deliveries or terminations, subject to applicable terms.


VS

Reassure 3.0 Black

Not in standard Black variant benefits.

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Explore Insurance Category

Senior Citizen Health Plan

Senior Citizen Health Plan

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  • 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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