Insurance Plans Comparison
Star Star Women Care Policy vs ManipalCigna Sarvah Pratham
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreStar Women Care Policy
Star Women Care Policy
What Makes It Special:
Star Women Care Insurance Policy is designed around the healthcare needs of women and their families. The product provides regular hospitalisation coverage along with maternity-related benefits, pregnancy entry subject to conditions, newborn support, family floater options and additional benefits such as bariatric surgery and restoration.
Best For:
Pregnant women who meet the product's entry conditions
Wellness-linked, preventive care insurance
Automatic sum insured restoration
Premium maternity and newborn care
Comprehensive women’s family health protection
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
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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 prefer no medical check-up before purchase
You enjoy earning wellness points and premium discounts
You need surrogacy and oocyte donor coverage
You want automatic sum insured restoration after a claim
You value OPD consultations and yearly health check-ups
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
![]() Star Women Care Policy Health Insurance Plan VS VS |
![]() Sarvah Pratham Health Insurance Plan |
| Room Rent |
|---|
Star Women Care Policy Up to 1% of SI (₹5L); Single AC up to ₹25L; any room above ₹50L |
VS VS |
Sarvah Pratham Single Private AC Room under the base policy. ICU expenses are covered up to the Sum Insured. |
| ICU Charges |
|---|
Star Women Care Policy No restriction on ICU room rent |
VS VS |
Sarvah Pratham Covered up to the Sum Insured. |
| Disease-wise sublimits |
|---|
Star Women Care Policy No |
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. |
| Co-payment |
|---|
Star Women Care Policy Yes (subject to co-payment of 10% for insured person whose age at the time of entry is 61 years and above) |
VS VS |
Sarvah Pratham Optional Voluntary Co-payment of 10%, 20% or 30%. No zonal co-payment applies. |
| Restoration Benefit |
|---|
Star Women Care Policy 100% once after full/partial utilization in a year |
VS VS |
Sarvah Pratham Optional: Unlimited restoration of the Base Sum Insured for related and unrelated illnesses/injuries during the policy year. |
| Cashless Healthcare Providers |
|---|
Star Women Care Policy 13000+ Healthcare Providers |
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. |
| Cumulative Bonus |
|---|
Star Women Care Policy 20% each year, up to 100% |
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. |
| Daycare Treatment |
|---|
Star Women Care Policy Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured |
VS VS |
Sarvah Pratham Covered up to the Sum Insured for eligible Day Care Treatment related to the specified illnesses. |
| Consumable Cover |
|---|
Star Women Care Policy Yes |
VS VS |
Sarvah Pratham Not included in the base cover. Optional: Coverage for Non-Medical Items and Durable Medical Equipment is available. |
| AYUSH Treatment |
|---|
Star Women Care Policy Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
VS VS |
Sarvah Pratham Covered up to the Sum Insured for eligible treatment related to the specified illnesses, subject to policy terms. |
| Initial Waiting Period |
|---|
Star Women Care Policy 30 days. |
VS VS |
Sarvah Pratham 30 days, applicable under the standard waiting-period structure; accident claims are exempt. |
| Specific Waiting Period |
|---|
Star Women Care Policy 2 years |
VS VS |
Sarvah Pratham 24 months for specified diseases/procedures, when the applicable Pratiksha optional cover is opted for. |
| PED Waiting Period |
|---|
Star Women Care Policy 3 years |
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 |
|---|
Star Women Care Policy Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period |
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 |
|---|
Star Women Care Policy Health check-up is available once every policy year, from day 1 of the policy |
VS VS |
Sarvah Pratham Available as an optional cover. |
| Pre-Hospitalisation |
|---|
Star Women Care Policy You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved |
VS VS |
Sarvah Pratham Covered for 90 days immediately before hospitalisation, subject to the policy terms. |
| Post-Hospitalisation |
|---|
Star Women Care Policy You get cover for medical bills up to 90 days after discharge, including physiotherapy if your doctor prescribes it |
VS VS |
Sarvah Pratham Covered for 180 days after discharge, subject to the policy terms. |
| Outpatient Department Cover (OPD Expense) |
|---|
Star Women Care Policy OPD is available |
VS VS |
Sarvah Pratham Not covered under the base plan. |
| Deductible Option |
|---|
Star Women Care Policy Not Available |
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 |
|---|
Star Women Care Policy Available coverage options: ₹5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L,₹1 Cr |
VS VS |
Sarvah Pratham Base Sum Insured options from ₹5 lakh to ₹3 crore. |
| Claim Settlement Ratio |
|---|
Star Women Care Policy 82.31% |
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 |
|---|
Star Women Care Policy Available |
VS VS |
Sarvah Pratham Not available under Sarvah Pratham. |
Insurance Plans Comparison
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