A Truly Complete Health Insurance Solution, that offers you an Essential Shield, Infinite Power and Instant Peace.
Sum Insured: ₹ 5 Lacs - ₹ 3 Crore
A Truly Complete Health Insurance Solution, that offers you an Essential Shield, Infinite Power and Instant Peace.
Best suited for
Individual
Family
Multi Individual
Key Benefits
Launch Date: 16-09-2024
Various Plans
ManipalCigna Sarvah has been designed keeping your needs in mind.
Sum insured (SI)
5Lacs - ₹ 3Crore
Base premium
406*/annum
Sum insured (SI)
5Lacs - ₹ 3Crore
Base premium
4,804*/annum
Sum insured (SI)
5Lacs - ₹ 3Crore
Base premium
7,146*/annum
ManipalCigna Sarvah Pratham
Suitable for Individual & Families looking for a comprehensive Health Insurance which is customizable as per the changing needs
Ped Waiting Period
36 Months
Sum Insured
5Lacs - 3 Crore
Sum Insured
₹ 5 Lacs
PREMIUM PER ANNUM
406* inclusive of taxes
The Premium value is indicative for the below mentioned profile Age – 25, Zone – 4, Cover type – Individual (1A), Tenure- 1 year, Premium payment mode- Single. Proposal may be subject to underwriting review
Hospitalization coverage up to Rs3 Cr for Heart, Cancer, Stroke and major organ/bone marrow transplant.
With Sarathi, get your waiting period reduced to 30 days even if you have Pre-Existing diseases such as Asthma, Diabetes, Dyslipidemia, Obesity, Hypertension.
Unlimited Restoration is available within the policy year, whether for unrelated or the same condition.
With Surplus Benefits, get an additional 100% of your Sum Insured from Day 1 for the first claim in each policy
No zonal co-pay worries ensuring faster recovery in the city of your choice Without Worrying about Additional Co-Payment.
Without Worrying About Additional financial burden
Enjoy Discount And Saving Via First Policy Anniversary (5% Discount) And Get A 2.5% Discount On The Renewal Premium When You Renew Your Policy 30 Days Prior To Expiry
What’s covered
- Hospitalization Expenses for Heart, Cancer, Stroke and major organ/bone marrow transplant
- Pre & Post Hospitalization Medical Expenses of 90 And 180 days respectively
- Domiciliary Hospitalization up to Sum Insured
- Road Ambulance up to Sum Insured
- Donor expenses up to Sum Insured
- AYUSH treatment up to Sum Insured
- Unlimited Tele-Consultation with General Physician
- Wellness Program – Earn rewards up to 20% of base premium (excluding premium for optional covers other than Deductible, Voluntary Co-payment, Twin Sharing under Room Rent Modification, riders and taxes) through Healthy Life Management Program
- Discount On Pharmacy, Diagnostics And Health Supplements, offered by the Network Providers of MCHI
What’s not covered
- Breach of law
- Contamination from nuclear fuel or radiation
- Hazardous or adventure sports
- Foreign invasion or civil war
Above List is only indicative and not exhaustive. For complete details on Eligibility, Coverages, Benefits, Terms, Condition and Exclusions please refer Policy Wordings and Prospectus
Accident Hospitalization Cover
Coverage for Accidental hospitalization if the insured person suffers an injury due to an accident
Personal Accident Cover
Get up to Rs 3cr Cover for Accidental Death (AD) and Permanent Total or Partial Disability (PTD & PPD). Coverage of 200% of opted Sum Insured (If AD/PTD) occurs due to an Accident while travelling as a fare paying passenger on a common carrier.
Temporary Total Disablement
Get a Fixed Weekly benefit up to Rs 1 Lacs per Week
Health Check up
Available from 1st Year onwards, to all adult Insured Persons who have completed 18 Years of age.
Restoration of Sum Insured
Refill your policy with Multiple Restoration is available in a Policy Year for all illnesses, whether unrelated or same
Air Ambulance
Avail the Air Ambulance cover up to Sum Insured, subject to a maximum of ₹ 10Lacs, over and above the sum Insured.
Gullak (Guaranteed Cumulative Bonus)
100% Guaranteed Increase in Sum Insured in each Policy Year, maximum up to 1000% Irrespective of a claim under the policy
Sarathi
Waive-off the waiting period for pre-existing condition like Asthma, Diabetes, Dyslipidaemia, Obesity and Hypertension.
Room Rent Modification
Freedom to choose Any Room or Twin Sharing AC room category as per your requirement
Surplus Benefit
Get an additional 100% of the sum insured available from day 1 for 1st claim only, in each policy year.
Cover Non-Medical Items and Durable medical equipment's
Get coverage for non-medical items and durable medical equipment’s which is otherwise an out of pocket expense during hospitalization
Deductible option
Aggregate deductible or Daily Deductible option available basis the requirement
Voluntary Co-payment
Cost sharing percentage that you have opted will apply on each and every claim
Min Entry Age
Child - 91 days, Adult - 18 years
Cover Type
Individual/Multi-individual and family floater
Max Entry Age
No Limit (Dependent Children up to the age of 30 years can be covered under the family floater plan)
Policy Period
1, 2 and 3 years
Relationships covered
Self, Spouse, Live-in partner, Children, Father, Mother, Father-in-law, Mother-in-law, Son-in-law, Daughter-in-law, Grand-parents, Grandchildren, Uncle, Aunt, Nephew, Niece, Brother, Sister, Sister in-law, Brother in-law
Premium Payment Mode
Single, Half yearly, Quarterly, Monthly.
ManipalCigna Sarvah Uttam
Suitable for Individual & Families looking for a comprehensive Health Insurance which is customizable as per the changing needs
Ped Waiting Period
36 Months
Sum Insured
5Lacs - 3 Crore
Sum Insured
₹ 5 Lacs
PREMIUM PER ANNUM
4,804* inclusive of taxes
The Premium value is indicative for the below mentioned profile Age – 25, Zone – 4, Cover type – Individual (1A), Tenure- 1 year, Premium payment mode- Single. Proposal may be subject to underwriting review
Get infinite sum Insured for hospitalization related to Heart, Cancer, Stroke and organ/bone marrow transplant.
Gullak benefits guarantees up to 10X bonus over the base Sum Insured, irrespective of claim (100% increase in the Sum Insured each policy year, up to maximum of 1000%).
With Sarathi, get your waiting period reduced to 30 days even if you have Pre-Existing diseases such as Asthma, Diabetes, Dyslipidemia, Obesity, Hypertension.
Unlimited Restoration is available within the policy year, whether for unrelated or the same condition.
Shield your family with a comprehensive Personal Accident Cover up to Rs 3 Cr.
With Surplus Benefit get an additional 100% of your Sum Insured from Day 1 for the first claim in each policy.
Get up to 7.5% discounts on your 1st policy renewal premium if the Policy is renewed 30 days before the Policy expiry date.
No Zonal Co-Payment, if treatment taken at higher zone.
What’s covered
- Hospitalization Expenses for any illness or disease or injury
- Pre & Post Hospitalization Medical Expenses of 90 And 180 days respectively
- Domiciliary Hospitalization up to Sum Insured
- Road Ambulance up to Sum Insured
- Donor expenses up to Sum Insured
- AYUSH treatment up to Sum Insured
- Unlimited Tele-Consultation with General Physician
- Wellness Program – Earn rewards up to 20% of base premium (excluding premium for optional covers other than Deductible, Voluntary Co-payment, Twin Sharing under Room Rent Modification, riders and taxes) through Healthy Life Management Program
- Discount On Pharmacy, Diagnostics And Health Supplements, offered by the Network Providers of MCHI
What’s not covered
- Breach of law
- Contamination from nuclear fuel or radiation
- Hazardous or adventure sports
- Foreign invasion or civil war
Above List is only indicative and not exhaustive. For complete details on Eligibility, Coverages, Benefits, Terms, Condition and Exclusions please refer Policy Wordings and Prospectus
Personal Accident Cover
Get up to Rs 3cr Cover for Accidental Death (AD) and Permanent Total or Partial Disability (PTD & PPD). Coverage of 200% of opted Sum Insured (If AD/PTD) occurs due to an Accident while travelling as a fare paying passenger on a common carrier.
Temporary Total Disablement
Get a Fixed Weekly benefit up to Rs 1 Lacs per Week
Health Check up
Available from 1st Year onwards, to all adult Insured Persons who have completed 18 Years of age.
Air Ambulance
Avail the Air Ambulance cover up to Sum Insured, subject to a maximum of ₹ 10Lacs, over and above the sum Insured.
Restoration of Sum Insured
Refill your policy with Multiple Restoration available In a Policy Year for all illnesses, whether unrelated or same
Gullak (Guaranteed Cumulative Bonus)
100% Guaranteed Increase in Sum Insured in each Policy Year, maximum up to 1000% Irrespective of a claim under the policy
Maternity and New born Cover
We make you future-proof with Maternity and New Born coverage up to 20% of the base Sum Insured or up to Rs 5L. Focus on your family growth without worrying about medical expense.
Anant (Unlimited Sum Insured)
Get infinite sum Insured for hospitalization related to Heart, Cancer, Stroke and organ/bone marrow transplant
Sarathi
Waive-off the waiting period for pre-existing condition like Asthma, Diabetes, Dyslipidaemia, Obesity and Hypertension.
Room Rent Modification
Freedom to choose Any Room or Twin Sharing AC room category as per your requirement
Surplus Benefit
Get an additional 100% of the sum insured available from day 1 for 1st claim only, in each policy year.
Cover Non-Medical Items and Durable medical equipment's
Get coverage for non-medical items and durable medical equipment’s which is otherwise an out of pocket expense during hospitalization
Deductible Option
Aggregate deductible or Daily Deductible option available basis the requirement
Voluntary Co-Payment
Cost sharing percentage that you have opted will apply on each and every claim
Min Entry Age
Child - 91 days, Adult - 18 years
Cover Type
Individual/Multi-individual and family floater
Max Entry Age
No Limit (Dependent Children up to the age of 30 years can be covered under the family floater plan)
Policy Period
1, 2 and 3 years
Relationships covered
Self, Spouse, Live-in partner, Children, Father, Mother, Father-in-law, Mother-in-law, Son-in-law, Daughter-in-law, Grand-parents, Grandchildren, Uncle, Aunt, Nephew, Niece, Brother, Sister, Sister in-law, Brother in-law
Premium Payment Mode
Single, Half yearly, Quarterly, Monthly.
ManipalCigna Sarvah Param
Zero Waiting Period, Instant Peace of mind
Ped Waiting Period
0 Months
Sum Insured
5Lacs - 3 Crore
Sum Insured
₹ 5 Lacs
PREMIUM PER ANNUM
7,146* inclusive of taxes
The Premium value is indicative for the below mentioned profile Age – 25, Zone – 4, Cover type – Individual (1A), Tenure- 1 year, Premium payment mode- Single. Proposal may be subject to underwriting review
Tatkal Benefit ensures you have absolutely zero waiting period.
With Sarathi, get your waiting period reduced to 30 days even if you have Pre-Existing diseases such as Asthma, Diabetes, Dyslipidemia, Obesity, Hypertension.
Unlimited Restoration is available within the policy year, whether for unrelated or the same condition.
Gullak benefits guarantees up to 10X bonus over the base Sum Insured, irrespective of claim (100% increase in the Sum Insured each policy year, up to maximum of 1000%).
Shield your family with a comprehensive Personal Accident Cover up to Rs 3 Cr.
With Surplus Benefit get an additional 100% of your Sum Insured from Day 1 for the first claim in each policy.
No Zonal Co-Payment, if treatment taken at higher zone.
Get up to 2.5% discounts on your 1st policy renewal premium if the Policy renewed 30 in advance and earn 20% rewards of base premium* through completing Healthy Life Management Program
What’s covered
- Hospitalization Expenses for any illness or disease or injury
- Pre & Post Hospitalization Medical Expenses of 90 And 180 days respectively
- Domiciliary Hospitalization up to Sum Insured
- Road Ambulance up to Sum Insured
- Donor expenses up to Sum Insured
- Restoration Of Sum Insured-
Refill your policy with Multiple Restoration available In a Policy Year for all illnesses, whether unrelated or same - Health Check up available from 1st year onwards, to all adult insured persons who have completed 18 years of age
- AYUSH treatment up to Sum Insured
- Gullak (Guaranteed Cumulative Bonus)-
100% Guaranteed Increase in Sum Insured in each Policy Year, maximum up to 1000% Irrespective of a claim under the policy - Unlimited Tele-Consultation with General Physician
- Wellness Program –
Earn rewards up to 20% of base premium (excluding premium for optional covers other than Deductible, Voluntary Co-payment, Twin Sharing under Room Rent Modification, Pratiksha, riders and taxes) through Healthy Life Management Program - Discount On Pharmacy, Diagnostics And Health Supplements, offered by the Network Providers of MCHI
- Health Check Up-
Available from 1st Year onwards, to all adult Insured Persons who have completed 18 Years of age.
What’s not covered
- Breach of law
- Contamination from nuclear fuel or radiation
- Hazardous or adventure sports
- Foreign invasion or civil war
Above List is only indicative and not exhaustive. For complete details on Eligibility, Coverages, Benefits, Terms, Condition and Exclusions please refer Policy Wordings and Prospectus
Personal Accident Cover
Get up to Rs 3cr Cover for Accidental Death (AD) and Permanent Total or Partial Disability (PTD & PPD). Coverage of 200% of opted Sum Insured (If AD/PTD) occurs due to an Accident while travelling as a fare paying passenger on a common carrier.
Temporary Total Disablement
Get a Fixed Weekly benefit up to Rs 1 Lacs per Week
Room Rent Modification
Freedom to choose Any Room or Twin Sharing AC room category as per your requirement
Air Ambulance
Avail the Air Ambulance cover up to Sum Insured, subject to a maximum of ₹ 10Lacs, over and above the sum Insured.
Sarathi
Waive-off the waiting period for pre-existing condition like Asthma, Diabetes, Dyslipidaemia, Obesity and Hypertension.
Surplus Benefit
Get an additional 100% of the sum insured available from day 1 for 1st claim only, in each policy year.
Coverage for Non-Medical Items And Durable Medical Equipments
Get coverage for non-medical items and durable medical equipment’s which is otherwise an out of pocket expense during hospitalization
Deductible Option
Aggregate deductible or Daily Deductible option available basis the requirement
Voluntary Co-Payment
Cost sharing percentage that you have opted will apply on each and every claim
Pratiksha
Specific Waiting Period: 24 Months
Initial Waiting Period: 30 Days
Min Entry Age
Child - 91 days, Adult - 18 years
Cover Type
Individual/Multi-individual and family floater
Max Entry Age
No Limit (Dependent Children up to the age of 30 years can be covered under the family floater plan)
Policy Period
1, 2 and 3 years
Relationships covered
Self, Spouse, Live-in partner, Children, Father, Mother, Father-in-law, Mother-in-law, Son-in-law, Daughter-in-law, Grand-parents, Grandchildren, Uncle, Aunt, Nephew, Niece, Brother, Sister, Sister in-law, Brother in-law
Premium Payment Mode
Single, Half yearly, Quarterly, Monthly.
Plan Comparison
| PLAN NAME | ManipalCigna Sarvah Pratham |
ManipalCigna Sarvah Uttam |
ManipalCigna Sarvah Param |
|---|---|---|---|
| Sum Insured () | 5Lacs / 7.5Lacs / 10Lacs / 15Lacs / 20Lacs / 25Lacs / 50Lacs / 100Lacs / 200Lacs / 300Lacs | ||
| Base Covers | |||
| Room Accommodation | Single Private A/C Room ICU - Covered up to Sum Insured | ||
| Day Care Treatment | All Day Care Procedure related to the listed condition, covered up to Sum Insured | All Day Care Procedure covered up to Sum Insured. | |
| Pre Hospitalization Medical Expenses | Up to 90 Days, Covered up to Sum Insured | ||
| Post Hospitalization Medical Expenses | Up to 180 Days, Covered up to Sum Insured | ||
| Domiciliary Hospitalization | Covered up Sum Insured. | ||
| Road Ambulance | Covered up Sum Insured. | ||
| Donor Expenses | Covered up Sum Insured, Complications arising during hospitalization or up to 30 days from date of discharge - Up to 25% of SI subject to maximum of Rs. 2 Lacs, over and above Sum Insured |
||
| AYUSH Treatment | Covered up Sum Insured. | ||
| Restoration of Sum Insured | Available as Optional Cover | Unlimited times for related/unrelated illnesses. | |
| Gullak (Guaranteed Cumulative Bonus) | Available as Optional Cover | 100% guaranteed increase in Sum Insured, maximum up to 1000% irrespective of a claim under the Policy. | |
| Value Added Covers | |||
| Tele-Consultation | Unlimited Tele-consultation with General Physician during the Policy Year. | ||
| Wellness Benefit | Earn rewards up to 20% of base premium through completing Healthy Life Management Program* | ||
| Discount from Network Provider | Discount on Pharmacy, Diagnostics and Health Supplements, offered by the Network Providers of ManipalCigna Health Insurance Company Limited | ||
| Health Check-up | Available as Optional Cover | Annually from 1st year onwards, for all adults insured, offered through Network only. | |
| Optional Covers | |||
| Accident Hospitalization Cover | Covered up to Sum Insured | Not Applicable (Available as part of Base Cover) | |
| Personal Accident Cover () | Coverage For Accidental Death (AD) , Permanent Total Disablement (PTD) And Permanent Partial Disablement (PPD) as per the Sum Insured Opted. Sum Insured - 10L, 15L, 20L, 25L, 30L, 40L, 50L, 1Cr, 2Cr, 3Cr Coverage of 200% of opted SI (If AD/PTD) occurs due to an Accident while travelling as a fare paying passenger on a common carrier. | ||
| Temporary Total Disablement (TTD) () |
Fixed Weekly benefit - 5K, 10K, 15K, 20K,25K, 50K,1L per week. | ||
| Health Check-up | Annually from 1st year onwards, for all adults insured, offered through Network only. | Available as Base Cover | |
| Air Ambulance () | Covered up to Sum Insured, Max up to 10L, over and above Sum Insured | ||
| Restoration of Sum Insured | Unlimited times for related/unrelated illnesses | Available in Base Cover | |
| Gullak Guaranteed Cumulative Bonus | 100% guaranteed increase in Sum Insured, maximum up to 1000% irrespective of a claim under the Policy. | Available in Base Cover | |
| Maternity & New Born Hospitalization Expenses () |
Not Available | a. Maternity Cover: Covered up to 20% of Base Sum Insured Opted subject to a maximum 5Lac over and above the Sum Insured. b. New Born Baby: Coverage for the In-patient hospitalization expenses of a new born up to the limit provided under Maternity Expenses c. First Year Vaccination: Covered as per national immunization program, up to the limit provided under Maternity Expenses |
Not Available |
| Sarathi | Any hospitalization related to Cancer, Heart, Stroke, & Major Organ/ Bone Marrow Transplant will be covered after the first 30 days, if arising due to listed Pre-existing disease declared and accepted. i. Asthma ii. Diabetes iii. Dyslipidemia iv. Obesity v. Hypertension |
Any hospitalization will be covered after the first 30 days, if arising due to listed Pre-existing disease declared and accepted. i. Asthma ii. Diabetes iii. Dyslipidemia iv. Obesity v. Hypertension |
Not Available |
| Room Rent Modification | Option 1: Any room; ICU Up to Sum Insured or Option 2: Twin Sharing AC room; ICU Up to Sum Insured |
||
| Surplus | Get an additional 100% of the Sum Insured available from day 1 for 1st claim only, in each policy year. | ||
| Anant (Unlimited Sum Insured) | Not Available | No Limit for any hospitalization related to Cancer, Heart condition, Stroke or Major Organ/ Bone Marrow Transplant | Not Available |
| Deductible Option () | Option 1 – Aggregate Deductible 10K, 25K, 50K, 1L, 2L, 3L, 4L, 5L, 10L. Or Option 2 – Deductible of 1K, 2K, 3K, 4K, 5K per day of hospitalization on all admissible claims. |
||
| Voluntary Co-payment | 10%, 20%, 30% (The cost sharing percentage that you have opted will apply on each and every claim.) |
||
| Coverage for Non-Medical Items and Durable Medical Equipment | a. Non-Medical items: Covered up to Sum Insured b. Durable Medical Equipment: Covered up to Rs.1 Lac. |
||
| Pratiksha | Not Applicable | Specific Waiting Period: 24 Months Initial Waiting Period: 30 Days |
|
Got Questions?
What are the details to be provided at the time of intimation of claim?
The following details are to be provided to the company’s at the tine of intimation of Claim: Policy number, Name of policy, Name of the insured person in whose relation the Claim is being lodged. Nature of illness / injury. Name and address of the attending Medical Practitioner and hospital. Date of Admission and any other information as requested by Us.
Other product with Hospitalisation Cover
Sum Insured upto ₹ 1 Lac - ₹ 30 Lacs
The added boost that keeps you covered above and beyond your health plan.
Best suited for
Individual
Family
Multi Individual
Key Benefits
