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Insurance Plans Comparison

ManipalCigna Sarvah Pratham vs Star Red Carpet Senior Citizens

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

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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

VS
Star

Red Carpet Senior Citizens

Senior Citizen Health Insurance with Lifelong Renewability

What Makes It Special:

A senior citizen health insurance policy designed for people entering between 60 and 75 years, with lifelong renewability and individual or floater sum insured options. The brochure lists hospitalization, daycare treatment and senior-focused coverage, along with medical underwriting and optional premium payment modes.

Best For:

  • Senior citizens aged 60 to 75 years

  • People looking for lifelong renewability

  • Customers considering individual or floater cover

  • Seniors seeking dedicated hospitalization protection

  • Customers who want multiple policy-term choices

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

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.

Star Red Carpet Senior Citizens

  • Check the applicable room and hospitalization benefit table before purchase

  • Review medical underwriting requirements based on age, health history and sum insured

  • Review waiting periods and exclusions in the policy wording

  • Compare individual and floater coverage based on family requirements

  • Check premium loading for monthly, quarterly or half-yearly payment modes

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Sarvah Pratham
Sarvah Pratham

Health Insurance Plan

Brochure

Policy Wording

VS
Red Carpet Senior Citizens
Red Carpet Senior Citizens

Health Insurance Plan

Policy Wording

Room Rent

Sarvah Pratham

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

VS

Red Carpet Senior Citizens

  1. Covered according to the applicable room, boarding and nursing benefit table
ICU Charges

Sarvah Pratham

Covered up to the Sum Insured.

VS

Red Carpet Senior Citizens

Covered as per the applicable hospitalization benefit

Co-payment

Sarvah Pratham

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

VS

Red Carpet Senior Citizens

Not specified in the retrieved source

Disease-wise sublimits

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.

VS

Red Carpet Senior Citizens

Not fully specified in the retrieved source

Restoration Benefit

Sarvah Pratham

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

VS

Red Carpet Senior Citizens

Not specified in the retrieved source

Cashless Healthcare Providers

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.

VS

Red Carpet Senior Citizens

Available through network hospitals, subject to policy terms

Cumulative Bonus

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.

VS

Red Carpet Senior Citizens

Not specified in the retrieved source

Daycare Treatment

Sarvah Pratham

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

VS

Red Carpet Senior Citizens

All daycare procedures covered

Consumable Cover

Sarvah Pratham

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

VS

Red Carpet Senior Citizens

Not specified in the retrieved source

AYUSH Treatment

Sarvah Pratham

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

VS

Red Carpet Senior Citizens

Covered, subject to policy terms

Initial Waiting Period

Sarvah Pratham

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

VS

Red Carpet Senior Citizens

  1. Not specified in the retrieved source
Specific Waiting Period

Sarvah Pratham

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

VS

Red Carpet Senior Citizens

Not specified in the retrieved source

PED Waiting Period

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.

VS

Red Carpet Senior Citizens

Not specified in the retrieved source

Modern Treatment

Sarvah Pratham

Covered for listed Modern and Advanced Treatments for the specified illnesses, subject to the applicable limits in the Policy Schedule.

VS

Red Carpet Senior Citizens

  1. Covered, subject to policy-specified limits
Annual Health Checkup

Sarvah Pratham

Available as an optional cover.

VS

Red Carpet Senior Citizens

Not specified in the retrieved source

Pre-Hospitalisation

Sarvah Pratham

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

VS

Red Carpet Senior Citizens

Not specified in the retrieved source

Post-Hospitalisation

Sarvah Pratham

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

VS

Red Carpet Senior Citizens

Not specified in the retrieved source

Outpatient Department Cover (OPD Expense)

Sarvah Pratham

Not covered under the base plan.

VS

Red Carpet Senior Citizens

Not specified in the retrieved source

Deductible Option

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.

VS

Red Carpet Senior Citizens

Not specified in the retrieved source

Coverage Options

Sarvah Pratham

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

VS

Red Carpet Senior Citizens

Individual and Floater Sum Insured

Claim Settlement Ratio

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.

VS

Red Carpet Senior Citizens

Not specified in the retrieved source

Maternity Cover

Sarvah Pratham

Not available under Sarvah Pratham.

VS

Red Carpet Senior Citizens

Not specified in the retrieved source

Insurance Plans Comparison

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Insurance Plans Comparison

Explore Insurance Category

Senior Citizen Health Plan

Senior Citizen Health Plan

  • Secure against age-related medical costs

  • Tailored for seniors healthcare needs

Most Popular

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)

Having questions? We've got answers. Explore our FAQs to find the information you need.

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