Sarvah – Param in one table
| Insurer | Manipal Cigna Health Insurance Company Limited |
|---|---|
| Sum insured | ₹5 lakh to ₹3 crore, in tiers of 5 / 7.5 / 10 / 15 / 20 / 25 / 50 / 100 / 200 / 300 lakh |
Claim settlement and complaint figures are IRDAI-published and held centrally by NYVO, not taken from the insurer's marketing.
What Sarvah – Param covers
These are the terms that decide what you are actually paid when you claim. Room rent, co-pay and restoration do more to shape a settlement than the sum insured does, and they are read from ManipalCigna's own policy wording.
| Feature | This plan | What good looks like |
|---|---|---|
| Co-payment | 0% as standard. A voluntary co-payment of 10%, 20% or 30% can be chosen for a lower premium | No Co-payment |
| Room Rent Limit | Up to a single private A/C room; ICU has no limit. Take a higher category and a proportionate deduction applies to the associated medical expenses | No room rent capping |
| Disease sub-limit | No sub-limit on any disease | No sub-limit |
| Gullak (guaranteed cumulative bonus) | 100% of the sum insured every policy year, irrespective of any claim, up to a maximum of 1,000% of the sum insured | 50% each year (Minimum upto 100%) |
| Restoration Benefit | 100% of the sum insured, any number of times in a policy year, for related and unrelated illnesses. It does not trigger on the first claim | 100% restoration once in a year |
| Pre-Hospitalization | 90 days | At least 60 days |
| Post-Hospitalization | 180 days | At least 120 days |
| Consumables | Not in the base cover – the Non-Medical Items optional cover pays them up to the sum insured | Consumables covered |
| Day-Care Treatment | Covered up to the sum insured | Covered without a capped list |
| Donor Expenses | Covered up to the sum insured, plus complications up to 25% of the sum insured capped at ₹2 lakh over and above it | Included |
| AYUSH Treatment | Covered up to the sum insured | Included |
| Entry age | Adults from 18, no upper limit · children 91 days to 30 years | No maximum entry age |
Sarvah – Param add-ons you can buy with it
Each of these costs extra and each has its own conditions. Some are genuinely worth it; several exist to patch a gap in the base plan. Ask what each one adds before it goes on your quote.
Sarvah – Param discounts you can ask for
Published discounts on this plan. Most are applied at quote stage rather than offered, so it is worth naming the ones you qualify for. Every figure is a ceiling, not a promise - what you actually get depends on the case.
| Discount | Worth | When it applies |
|---|---|---|
| Long-term policy discount | Up to 7.5% or 10% | 7.5% on a 2-year policy and 10% on a 3-year policy, available only on the single premium payment mode. |
| Family discount | Up to 10% | Covering 2 members under the same policy on a multi-individual basis. |
| Voluntary co-payment | Up to 10%, 20% or 30% | Agree to bear that share of every claim and the premium falls. Not available alongside a deductible option. |
| Deductible | Aggregate or per-day | An aggregate deductible of ₹10,000 to ₹10 lakh a year, or ₹1,000 to ₹5,000 for each day in hospital, in exchange for a lower premium. |
From the ManipalCigna Sarvah – Param prospectus and brochure. Total discount on a single policy cannot exceed 40%.
Sarvah – Param waiting periods: when each part of the cover starts
Waiting periods run from the day cover began, not from the day you fall ill, and they run in parallel rather than one after another.
| Initial Waiting Period | None as standard. 30 days only if the optional Pratiksha cover is taken |
|---|---|
| Specific Illness | None as standard. 24 months only if the optional Pratiksha cover is taken |
| Pre-Existing Disease | None. Cover starts from day one |
| Personal waiting period set by underwriting | Up to 36 months, applied to a named condition and only with your written consent |
The named illnesses that wait None as standard; 24 months if the optional Pratiksha cover is taken
This list only bites if you chose Pratiksha. Without it there is no specific-illness waiting period at all. The list is indicative – the policy wording carries the full set.
Sarvah – Param exclusions: what the plan will not pay for
Every policy carries exclusions, and they are the clauses people read for the first time at claim stage. These are the ones worth knowing before you buy.
Where Sarvah – Param falls short
No plan is right for everyone, and a page that only lists strengths is not much use to you. These are the gaps we would raise on a call before recommending it.
Sarvah – Param questions, answered
Is it true that Sarvah Param has no waiting periods?
As standard, yes. The prospectus says that if you do not take the optional Pratiksha cover there is no 30-day initial waiting period, no waiting period for pre-existing diseases and no 24-month wait on the listed specific diseases. That is unusual enough to check on your own policy schedule when it arrives. Two caveats: taking Pratiksha, which lowers the premium, brings the 30-day and 24-month waits back; and underwriting may still apply a personal waiting period of up to 36 months to a specific condition you declare, with your consent.
What is Gullak and is it a no-claim bonus?
Gullak is the plan's guaranteed cumulative bonus. It adds 100% of your sum insured at the end of every policy year, and the brochure is explicit that it applies irrespective of any claim made in the previous year. So it is not a no-claim bonus – claiming does not reset it. The accumulation stops at 1,000% of the sum insured, which on a ₹10 lakh cover means ₹1 crore of accumulated bonus after ten unbroken years.
How does restoration work here?
The sum insured is restored in full, any number of times in a policy year, and unusually it applies to related and unrelated illnesses alike – so a second admission for the same condition is covered by the refilled amount. The one restriction is that it does not trigger on the first claim of the year; it only comes into play once the sum insured is short.
Which room can I take?
Your entitlement is a single private air-conditioned room, and ICU has no limit. If you are admitted to a higher category you bear a proportionate share of the associated medical expenses – the surgeon's fee, the anaesthetist, the theatre charge – in the ratio of the entitled room rent to the rent actually charged. The Room Rent Modification cover upgrades the entitlement to any room.
Are gloves, PPE and other consumables paid?
Not by the base cover. ManipalCigna sells it as an optional cover, Non-Medical Items and Durable Medical Equipment, which pays those items up to your sum insured and adds listed durable equipment up to ₹1 lakh. If you are comparing this plan against one that includes consumables as standard, add the cost of that option before you compare premiums.
How high can the cover go?
The sum insured itself runs from ₹5 lakh to ₹3 crore. On top of that the Gullak bonus can build to ten times the sum insured, the optional Surplus Benefit adds another 100% from day one for the first claim of each year, and restoration refills the cover an unlimited number of times. In a family floater the sum insured a non-earning spouse or a dependent parent can be given is capped as a proportion of the earning member's cover, so check that table if you are buying for a family.
Read it from the insurer
We summarise. The policy wording is the contract, and it is the only document that settles a dispute. These links go to the insurer's own pages.
Understand the terms before you commit
A plan page tells you what this policy does. These explain why each term matters and what it costs you when it is missing.
Other ManipalCigna plans we have read
ManipalCigna files these separately, and the terms differ between them. If you are choosing within the range, compare the waiting periods and the exclusions rather than the sum insured.