OneAssure

Health Insurance

ManipalCigna

Sarvah Param

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

88%

Claim Settlement Ratio

8,500+

Network Hospitals

3.5/10

Plan Rating

Policy prospectus

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Our Verdict

Expert Review: ManipalCigna Sarvah Param

Final Verdict

Sarvah Param combines broad hospitalization coverage with unlimited restoration, guaranteed bonus accumulation, wellness rewards, and extensive optional customization features.

About

What Is Sarvah Param?

ManipalCigna Sarvah Param is a comprehensive health insurance plan that covers hospitalization, daycare procedures, pre and post-hospitalization expenses, domiciliary treatment, donor expenses, AYUSH treatment, and road ambulance services. The plan stands out through its unlimited restoration feature and Gullak benefit, which provides a guaranteed cumulative bonus every year irrespective of claims. It also includes wellness rewards, teleconsultations, health check-ups, and optional covers such as maternity, air ambulance, personal accident cover, and room rent enhancements. The policy additionally covers mental illness treatment and HIV/AIDS-related hospitalization expenses in accordance with applicable regulations.

Param Ratings

Param

Insurer Rating

6.21

out of 10

Insurance Rating

3.5

out of 10

No Room Rent Limit

No

Consumables Covered

No

No Co-payment

Yes

Loyalty Bonus >= 500%

Yes

No Disease Sublimits

No

Unlimited Restoration

Yes

Additional Benefits (Informational Only — Not part of score)

PED Waiting <= 2 Years

Yes

Maternity Available

Yes

Waiting Period Waiver

No

Testimonials

Real People. Real Relief

These are the moments that show what we really do. We don't sell you a policy. We stand by you when it matters most.

I want to sincerely thank Sunad for being there for me throughout the entire claim process. He helped me through so many ups and downs, always patient and ready to support when things got tough. I honestly don’t know how I would have managed without his guidance and encouragement. Sunad made a difficult situation feel a lot less stressful, and I’m truly grateful for his kindness and steadfast help.

Prashant Pandey

Mumbai, Maharashtra

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.

Jatin Gala

Mumbai, Maharashtra

My heartfelt thanks to the OneAssure team for making my insurance claim process effortless. Right from the very first interaction, they demonstrated professionalism, clear communication, and an impressive command of the procedures involved. Their swift updates, timely guidance, and persistent follow-through removed all the stress from what could have been a complicated experience.

Anju Renjith

Bengaluru, Karnataka

I am truly grateful for the support and guidance I received in settling my insurance claim. The entire process was handled with great professionalism, clarity, and efficiency. Their prompt response, deep knowledge of the procedures, and consistent follow-ups ensured a smooth and hassle-free experience.Thank you once again for your invaluable help, highly recommended!

Yogesh Meena

Jaipur, Rajasthan

I recently had the pleasure of purchasing health insurance for my parents through this company, and my experience has been exceptional...The team was incredibly patient and took the time to explain every detail to me. No matter how many times I asked questions, they were always calm and thorough in their explanations. Their professionalism and dedication made a significant difference in helping me make an informed decision.

Akash Kumar

West Bengal

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Inclusions

ManipalCigna Sarvah Param Inclusions

Modern Treatment

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

ICU Charges

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

Cumulative Bonus

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.

Consumable Cover

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

Initial Waiting Period

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

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

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.

Annual Health Checkup

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.

Post-Hospitalisation

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

Outpatient Department Cover (OPD Expense)

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

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

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.

Maternity Cover

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.

AYUSH Treatment

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

Co-payment

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

Pre-Hospitalisation

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

Claim Settlement Ratio

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

Room Rent

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".

Cashless Healthcare Providers

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

Daycare Treatment

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

Disease-wise sublimits

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

Restoration Benefit

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

Add ons

Sarvah Param Add-Ons and Riders

Accident Hospitalization Cover

Personal Accident Cover

Personal Accident Plus Cover

Temporary Total Disablement (Ttd)

Health Check Up

Air Ambulance

Restoration Of Sum Insured

Gullak (Guaranteed Cumulative Bonus)

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About the company

About ManipalCigna

ManipalCigna Health Insurance is one of the major health insurance companies in India. It is a joint venture between the Manipal Group and Cigna Corporation. The company was established in 2014 and was rebranded in 2019. It is based in Mumbai and has more than 600 cities in the whole country where it has a presence.
The insurer offers a comprehensive line of health insurance solutions, among which individual, family floater, senior citizen, critical illness, personal accident, and top-up plans are the main ones. Programs like ProHealth Prime, Lifetime Health, and Sarvah are made to cover the widest possible range of medical expenses with the sum insured starting from ₹3 lakh to going as high as ₹3 crore. Some of the inclusive features are unlimited restoration, cumulative bonuses, and even coverage for pre-existing health conditions, but only after a waiting period. Besides that, ManipalCigna caters to fitness needs of people, provides health checks, and offers maternity cover in some of their policies.
The company has more than 14500 hospitals in its network all over the country, thus it is easy for the customers to avail cashless treatment. Although its percentage of average claim settlement is 88.59%, which is just a little bit below the industry standard. However, ManipalCigna is credited with its path-breaking ideas and customer-focused strategy, among the Indian health insurance companies, which keeps it ahead of the pack.