Does Sarvah Uttam cover HIV/AIDS hospitalization?

Yes. Medically necessary hospitalization expenses arising from HIV/AIDS and related illnesses are covered up to the Sum Insured, subject to policy terms and conditions.

Does Sarvah Uttam cover HIV/AIDS hospitalization?

Yes. Medically necessary hospitalization expenses arising from HIV/AIDS and related illnesses are covered up to the Sum Insured, subject to policy terms and conditions.

Are mental illnesses covered?

Yes. Hospitalization expenses arising from mental illness and mental health conditions are covered up to the Sum Insured. Certain specified ICD conditions require continuous coverage of at least 24 months before claims can be made.

What wellness rewards are available?

Adult insured members can earn reward points by achieving daily step-count targets. Reward points can later be redeemed as renewal premium discounts. Maximum rewards can reach 20% of eligible premium.

Are organ donor expenses covered?

Yes. The plan covers donor hospitalization expenses, donor screening expenses, pre and post-hospitalization expenses and donor complications arising from organ harvesting, subject to policy conditions.

OneAssure

Health Insurance

ManipalCigna

Sarvah Uttam

Experience India's most trusted health insurance with ManipalCigna Health Insurance. Get instant cashless treatment at 35000 network hospitals with sum insured up to ₹50 lakhs.

88

Claim Settlement Ratio

35000

Network Hospitals

0

Customer Rating

Get a Quote

88

Claim Settlement Ratio

35000

Network Hospitals

0

Customer Rating

Our Verdict

Expert Review: ManipalCigna Health Insurance

Final Verdict

Sarvah Uttam offers strong core hospitalization coverage along with wellness rewards, donor protection, mental health benefits, HIV/AIDS coverage and flexible optional add-ons.

About

About ManipalCigna Health Insurance

ManipalCigna Sarvah Uttam is a comprehensive indemnity health insurance plan covering inpatient hospitalization, daycare procedures, pre and post-hospitalization expenses, domiciliary hospitalization, donor expenses, road ambulance services and AYUSH treatment. The plan includes coverage for HIV/AIDS-related hospitalization and mental illness hospitalization expenses as per regulatory guidelines. Additional value-added benefits include teleconsultation, wellness rewards, health check-ups and discounts through network providers. Multiple optional covers such as personal accident cover, temporary total disability benefit, maternity cover, room rent modification and voluntary co-payment can further enhance protection.

ManipalCigna Sarvah Uttam is a comprehensive indemnity health insurance plan covering inpatient hospitalization, daycare procedures, pre and post-hospitalization expenses, domiciliary hospitalization, donor expenses, road ambulance services and AYUSH treatment. The plan includes coverage for HIV/AIDS-related hospitalization and mental illness hospitalization expenses as per regulatory guidelines. Additional value-added benefits include teleconsultation, wellness rewards, health check-ups and discounts through network providers. Multiple optional covers such as personal accident cover, temporary total disability benefit, maternity cover, room rent...

Inclusions and Exclusions

Inclusions and Exclusions of ManipalCigna Insurance Company Limited

Room Rent

Normal: Single Private AC Room
ICU: Covered up to Sum Insured

Advanced Treatments

Uterine Artery Embolization (UAE)
HIFU (High Intensity Focused Ultrasound)
Balloon Sinuplasty
Deep Brain Stimulation
Oral Chemotherapy
Immunotherapy (Monoclonal Antibody Injection)
Intra Vitreal Injections
Robotic Surgeries
Stereotactic Radiosurgery
Bronchial Thermoplasty
Green Laser / Holmium Laser Prostate Treatment
Intra Operative Neuro Monitoring (IONM)
Hematopoietic Stem Cell Therapy for Bone Marrow Transplant

Co-payment

No mandatory co-payment mentioned

Waiting Period

Initial Waiting Period: 30 Days (standard)
Pre-existing Disease Waiting Period: 36 Months

Cashless Healthcare Providers

Available through network hospitals

Daycare Treatment

Covered up to Sum Insured

AYUSH Treatment

Covered

Room Rent

Normal: Single Private AC Room
ICU: Covered up to Sum Insured

Advanced Treatments

Uterine Artery Embolization (UAE)
HIFU (High Intensity Focused Ultrasound)
Balloon Sinuplasty
Deep Brain Stimulation
Oral Chemotherapy
Immunotherapy (Monoclonal Antibody Injection)
Intra Vitreal Injections
Robotic Surgeries
Stereotactic Radiosurgery
Bronchial Thermoplasty
Green Laser / Holmium Laser Prostate Treatment
Intra Operative Neuro Monitoring (IONM)
Hematopoietic Stem Cell Therapy for Bone Marrow Transplant

Co-payment

No mandatory co-payment mentioned

Pageof 3

Exclusions

Not available

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About the company

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...

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,...