ManipalCigna Sarvah Benefits – In a world where health uncertainties can arise at any moment, having robust health insurance coverage is essential. ManipalCigna has introduced a unique solution called “Sarvah,” a complete health insurance package designed to meet the healthcare needs of every individual in India, from the smallest towns to the biggest cities. Inspired by the mantra “May all be happy, may all be healthy,” Sarvah offers a broad spectrum of coverage to ensure that quality healthcare is accessible to every segment of society. With three distinct plans — Sarvah Pratham, Sarvah Uttam, and Sarvah Param — it promises comprehensive care tailored to different needs.
In this article, we will dive into the core ManipalCigna Sarvah Benefits, unique features, and why Sarvah is the ideal match for anyone seeking complete health security.
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Introduction to Sarvah Plans
ManipalCigna Sarvah comes with three thoughtfully crafted plans:
- Sarvah Pratham: The essential plan for those who seek value-for-money coverage.
- Sarvah Uttam: A premium offering with unlimited health coverage.
- Sarvah Param: The ultimate peace-of-mind plan with zero waiting periods and extensive benefits.
Each plan is designed to offer varying levels of protection based on an individual’s health needs and financial comfort.
Sarvah Pratham Benefits: Affordable and Essential Coverage
Sarvah Pratham is positioned as the starter plan for those who are beginning their health insurance journey. It provides fundamental coverage at an affordable cost. Some key benefits include:
- Sarathi Benefit: Reduced waiting period for pre-existing diseases like asthma, diabetes, dyslipidemia, obesity, and hypertension. This benefit lowers the typical 36-month waiting period to just 30 days, ensuring quicker access to coverage.
- Pre-hospitalization and Post-hospitalization Expenses: Coverage for up to 90 days before hospitalization and up to 180 days post-hospitalization, providing extended financial support.
- Room Rent Coverage: Options for full room rent or twin-sharing AC rooms, making hospital stays more comfortable.
The plan is perfect for those looking for essential health protection while maintaining control over their finances.
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Sarvah Uttam Benefits: Unlimited Coverage for Critical Health Needs
Sarvah Uttam takes health insurance to another level by offering infinite coverage. It is designed to cover life’s most critical challenges, ensuring that financial constraints never limit the care you receive. The key benefits include:
- Anant Care: Unlimited sum insured for hospitalization due to severe illnesses like cancer, heart disease, stroke, or organ transplants. This benefit renews every year, providing continuous protection.
- Sarathi Benefit: Similar to Sarvah Pratham, this benefit reduces the waiting period for pre-existing conditions to just 30 days.
- Personal Accident Cover: Fixed benefit coverage up to ₹3 crore, protecting you and your family in the event of accidents.
- Maternity and Newborn Care: Coverage for maternity expenses up to 20% of the base sum insured (up to ₹5 lakh), including newborn hospitalization and first-year vaccinations as per the National Immunization Program.
- Restoration Benefit: Allows the sum insured to be restored multiple times during a policy year for both related and unrelated illnesses. This ensures continuous coverage without any gaps.
Sarvah Uttam is ideal for those seeking unlimited financial security, especially for families with critical health needs.
Sarvah Param Benefits: Instant Peace of Mind with Zero Waiting Periods
Sarvah Param offers instant and complete assurance with zero waiting periods, making it the go-to plan for those who need immediate access to healthcare benefits. It combines all the essential benefits of Pratham and Uttam with additional features:
- Tatkal Benefit: Zero waiting period from day one, ensuring immediate access to healthcare services without delays.
- Unlimited Restoration: Similar to Sarvah Uttam, Sarvah Param allows for unlimited restoration of the sum insured, ensuring that coverage never runs out.
- Organ Donation Coverage: Both donor and recipient medical expenses are covered up to the sum insured, including pre- and post-hospitalization expenses up to 30 days.
Sarvah Param is perfect for individuals who want the highest level of security with immediate access to all benefits from day one.
Also see: Manipal Cigna Lifetime Health Insurance Plan Benefits
Comprehensive Hospitalization and Ambulance Coverage
Sarvah plans provide hospitalization coverage of up to ₹3 crore, making sure that even the most severe medical conditions don’t leave you financially drained. In addition to hospitalization, the plans cover:
- Road and Air Ambulance: Coverage for road ambulance services up to the sum insured, and air ambulance services up to ₹10 lakhs. This ensures swift and safe transfers to hospitals, especially during emergencies.
- Room Rent Options: The flexibility to choose from full room rent coverage or twin-sharing AC room coverage, depending on your plan.
These features ensure that no matter where you live or the level of care required, Sarvah has you covered.
Non-medical and Durable Medical Equipment Coverage
One of the most unique benefits of Sarvah is its coverage for non-medical items like masks and gloves, which are often excluded from standard health insurance policies. The plans also cover durable medical equipment, including 10 such essential items that are integral to recovery. This benefit ensures that all aspects of your healthcare journey, from the hospital to your home, are supported.
AYUSH Benefit: Embracing Alternative Medicine
Recognizing the growing importance of alternative therapies, Sarvah plans include AYUSH coverage, allowing policyholders to choose treatments from Ayurveda, Yoga & Naturopathy, Unani, Siddha, or Homeopathy. Whether it’s inpatient hospitalization or daycare treatment, Sarvah ensures that all forms of healing are accessible to its policyholders.
Surplus Benefit: Extra Coverage for the First Claim
The Surplus Benefit provides an additional 100% of the sum insured from day one for the first claim each policy year. This ensures that you are always prepared for any unexpected medical expenses, without having to worry about running out of coverage.
Good Luck Advantage: Boosting Coverage Every Year
Sarvah has introduced a unique Good Luck Advantage that increases your sum insured by 100% every year, regardless of whether a claim has been made. This bonus can grow up to 1,000% of your base sum insured by the 10th year, offering a powerful safeguard against rising healthcare costs.
Personal Accident Cover and Protection Against Geographical Limitations
Accidents can happen anywhere, and Sarvah’s Personal Accident Cover provides financial protection with coverage up to ₹3 crore. Moreover, there is no zonal co-pay, meaning you can receive treatment anywhere in India without worrying about additional financial burdens. This flexibility ensures that your healthcare is not limited by geography.
Annual Health Checkups and Wellness Rewards
Health is not just about treating illness but also about prevention. With annual health checkups provided for adults above 18 years, Sarvah encourages policyholders to stay on top of their health. Furthermore, the Wellness Benefit allows you to earn rewards for completing health-related activities, which can be used to reduce the premium for policy renewals.
Discounts and Financial Benefits
ManipalCigna Sarvah offers several discounts that make the policy even more attractive:
- Renewal Discounts: A 5% discount on the first policy renewal.
- Early Renewal and Standing Instruction Discounts: A 2.5% discount for renewing early or setting up standing instructions.
- Long-term Policy Discount: Discounts of 7.5% for two-year policies and 10% for three-year policies.
- Family and Website Discounts: A 10% discount for family policies and a 5% discount for policies purchased through the website.
- Provider Network Discounts: Discounts on pharmacy, diagnostics, and health supplements from network providers.
These financial incentives ensure that your premium is as affordable as possible while maintaining comprehensive coverage.
Conclusion: ManipalCigna Sarvah Benefits
ManipalCigna Sarvah is more than just a health insurance policy; it’s a promise of security, peace of mind, and complete protection for you and your family. With plans tailored to different needs, Sarvah ensures that no one is left behind when it comes to quality healthcare. Whether you are starting with Sarvah Pratham, seeking unlimited protection with Sarvah Uttam, or looking for immediate coverage with Sarvah Param, each plan is designed to offer the best possible care and financial protection.
By choosing Sarvah, you are not just insuring yourself; you are becoming part of a philosophy that believes in “Sahi Health Insurance Chuno, Sada Secure Raho!”
FAQs about ManipalCigna Sarvah Health Insurance
What are the key differences between Sarvah Pratham, Sarvah Uttam, and Sarvah Param plans?
> Sarvah Pratham is the essential value-for-money plan, offering basic yet comprehensive coverage.
> Sarvah Uttam provides unlimited sum insured for critical conditions like cancer, heart disease, and organ transplants, with additional features like maternity and accident coverage.
> Sarvah Param offers zero waiting periods and instant access to health coverage, including unlimited restoration of the sum insured.
Does Sarvah cover pre-existing diseases?
Yes, Sarvah plans come with the Sarathi Benefit for Sarvah Pratham and Sarvah Uttam, which reduces the waiting period for pre-existing conditions (such as asthma, diabetes, and hypertension) to just 30 days, ensuring quicker access to coverage.
What is the Anant Care benefit under Sarvah Uttam?
The Anant Care benefit under Sarvah Uttam provides an infinite sum insured for hospitalization due to critical illnesses like heart disease, cancer, stroke, or organ transplants. This sum is restored every year, ensuring you have continuous financial support for these conditions.
Does Sarvah cover non-medical expenses like masks and gloves?
Yes, Sarvah offers coverage for non-medical items, including masks, gloves, and durable medical equipment. This ensures that even essential items used during treatment are covered under the plan.
How does the Good Luck Advantage work?
The Good Luck Advantage increases your sum insured by 100% each year, up to 1,000% of the base sum insured by the 10th year, irrespective of whether you have made a claim. This feature ensures your coverage grows to safeguard against rising healthcare costs over time.
Disclaimer: The information provided in this article is for general informational purposes only and should not be considered as financial or legal advice. Benefits, terms, and conditions of the ManipalCigna Sarvah plans may vary based on specific policy documents. Please consult with a licensed insurance advisor or review the official policy brochure before making any decisions regarding your health insurance coverage.