Insurance Plans Comparison
Star Assure vs ManipalCigna Sarvah Param
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreAssure
Star Health Assure Insurance Policy
What Makes It Special:
Star Health Assure is a flexible, high-limit health insurance plan designed for individuals and families, with coverage options from ₹5 lakh up to ₹2 crore. The plan offers cashless hospitalization across a wide network, daily hospital cash benefits, and no room rent restrictions on standard rooms. It features lifetime renewability,...
Best For:
Unlimited restoration option plan
Premium floater family health plan
Flexible high-sum insured protection
Flexible options for payment of premium
VS
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.
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
You want maternity and newborn coverage included
You want no room rent capping for standard rooms
You value unlimited restoration of sum insured
You want coverage up to ₹2 crore for family
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.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
![]() Assure Health Insurance Plan VS VS |
![]() Sarvah Param Health Insurance Plan |
| Room Rent |
|---|
Assure Capped at up to 1% of Sum Insured per day for a ₹5 Lakh cover. For ₹10 Lakh to ₹25 Lakh cover: Any room allowed except suites. For ₹50 Lakh to ₹2 Crore cover: Any room category with zero restrictions (Suites included). Proportionate deduction applies if an higher room tier is chosen. |
VS VS |
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". |
| ICU Charges |
|---|
Assure No restriction on ICU room rent |
VS VS |
Sarvah Param ICU expenses covered up to the Sum Insured, subject to applicable policy terms. |
| Disease-wise sublimits |
|---|
Assure No |
VS VS |
Sarvah Param Treatment-specific limits may apply as specified in the policy schedule. |
| Co-payment |
|---|
Assure 0% for entries up to age 60. A mandatory 10% co-payment applies to each and every claim if the insured person's age at entry is 61 years or older. |
VS VS |
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%. |
| Restoration Benefit |
|---|
Assure Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses |
VS VS |
Sarvah Param Unlimited restoration of 100% of the Base Sum Insured is listed, subject to the applicable policy terms. |
| Cashless Healthcare Providers |
|---|
Assure 14000+ Healthcare Providers |
VS VS |
Sarvah Param Cashless treatment is available through network providers, subject to the insurer's procedures and policy terms. |
| Cumulative Bonus |
|---|
Assure 25% of the Sum Insured for each claim-free year, up to a maximum of 100%. |
VS VS |
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. |
| Daycare Treatment |
|---|
Assure Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured |
VS VS |
Sarvah Param Eligible daycare procedures are covered up to the Sum Insured, subject to applicable policy terms. |
| AYUSH Treatment |
|---|
Assure Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
VS VS |
Sarvah Param AYUSH treatment is covered up to the Sum Insured when received at an eligible AYUSH hospital, subject to policy terms. |
| Consumable Cover |
|---|
Assure Yes |
VS VS |
Sarvah Param Covered up to the Base Sum Insured under the optional cover "Coverage for Non-Medical Items and Durable Medical Equipment". |
| Initial Waiting Period |
|---|
Assure 30 days. |
VS VS |
Sarvah Param No initial waiting period applies by default. A 30-day initial waiting period applies only if the optional cover "Pratiksha" is opted. |
| Specific Waiting Period |
|---|
Assure 2 years |
VS VS |
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. |
| PED Waiting Period |
|---|
Assure 36 months (3 years) for 1 and 2-year policy terms; reduced to 30 months if a 3-year policy term is chosen up front. |
VS VS |
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. |
| Modern Treatment |
|---|
Assure Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period |
VS VS |
Sarvah Param Covered as inpatient or daycare treatment, subject to the limits specified in the policy schedule. |
| Annual Health Checkup |
|---|
Assure Health check-up is available once every policy year, from day 1 of the policy |
VS VS |
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. |
| Pre-Hospitalisation |
|---|
Assure You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved |
VS VS |
Sarvah Param Covered up to the Sum Insured for 90 days before hospitalisation. |
| Post-Hospitalisation |
|---|
Assure You get cover for medical bills up to 180 days after discharge, including physiotherapy if your doctor prescribes it |
VS VS |
Sarvah Param Covered up to the Sum Insured for 180 days after discharge. |
| Outpatient Department Cover (OPD Expense) |
|---|
Assure Not included for general consultations or regular pharmacies. Outpatient benefits are available exclusively for Chronic Severe Refractory Asthma up to specified policy sub-limits. |
VS VS |
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. |
| Deductible Option |
|---|
Assure Available as an option |
VS VS |
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. |
| Coverage Options |
|---|
Assure Available coverage options: ₹5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹75L, ₹1 Cr, ₹2 Cr |
VS VS |
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. |
| Claim Settlement Ratio |
|---|
Assure 82.31% |
VS VS |
Sarvah Param Not mentioned in the available product reference. Verify separately if this value is required in the CMS. |
| Maternity Cover |
|---|
Assure Covered up to 10% of the Sum Insured after a continuous 24-month waiting period. Requires both spouses to be covered under the same policy. |
VS VS |
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. |
Insurance Plans Comparison
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Explore Insurance Category
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Covers delivery, newborn care, and maternity expenses
Reduces financial stress of childbirth costs
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