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Last updated on: September 19, 2025
The ICICI Lombard Elevate Plan and the Manipalcigna Sarvah Param Plan are comprehensive health insurance offerings designed for extensive coverage, but with notable differences. The ICICI Lombard Elevate Plan stands out for its high sum insured options (up to ₹50 lakh), global coverage, wellness rewards, and no room rent capping, making it suitable for those seeking expansive protection and added benefits. In contrast, the Manipalcigna Sarvah Param Plan is tailored for affluent individuals with ultra-high sum insured options (up to ₹5 crore), worldwide coverage, enhanced maternity and newborn benefits, and wider add-on customizations. While both plans offer robust hospitalization and pre/post hospitalization cover, Sarvah Param is ideal for those desiring maximum flexibility and luxury add-ons, whereas Elevate is cost-effective for those needing broad but slightly more standard coverages. Ultimately, the choice depends on your budget, coverage needs, and preference for value-added features.
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Health insurance will be critical to families and individuals in India in 2025. Due to the increased medical expenses and the change in lifestyle, the selection of appropriate health policy is a vital factor in determining your financial stability. Some of the plans that are in the spotlight are the ICICI Lombard Elevate Plan and Manipal Cigna Sarvah Param considering their wide coverage and the benefits that are unique. But what should you choose to be the best one?
Here you can find a detailed overview of these comparison, including their main features, inclusions, limitations, thoughts of experts and frequently asked questions; hence, you can decide on your health policy in the coming year.
ICICI Lombard Elevate Plan targets contemporary Indian families and individuals and provides a wide range of coverage on in-patient treatment, pre-hospitalization and post-hospitalization, and optional wellness coverage. Being a subsidiary of ICICI Lombard General Insurance Company Limited, which is among the biggest privately owned insurers, the plan provides very strong healthcare financial security in 2025.
The Elevate health insurance has merits, yet not all the aspects can be appealing to everyone.
Pros:
Cons:
Sarvah Param is an initiative introduced by ManipalCigna Health Insurance, which is supported by the renowned Manipal Group and Cigna Corporation in order to offer extensive medical cover to individuals and families. This plan of 2025 is a health assurance plan that focuses on large medical requirements, preventive health care and flexibility- a favorite among the customers who want all round security.
Similar to every insurance policy, Sarvah Param balances the benefits and slight disadvantages.
Pros:
Cons:
Both these policies have the current features, but they suit slightly different requirements when it comes to the selection of a health cover in 2025.
| Speciality | ICICI Lombard Elevate | Manipalcigna Sarvah Param. |
|---|---|---|
| Network Hospitals | 7600+ | 7000+ |
| Entry Age | 91 days - No upper limit | 91 days - 100 years |
| Sum Insured Range | Rs 2 lakh to Rs 1 crore | Rs 2 lakh to Rs 1 crore |
| PreHospitalization Cover | 30days | 60days |
| PostHospitalization Cover | 60 days | 180 days |
| Restore Benefit | Yes, one per year | unlimited |
| OPD and Wellness AddOns | Optional | Some variants include them. |
| Maternity cover and Newborn cover | Yes, with a waiting period of 3 yrs | Yes, with a waiting period. |
| Room Rent Limit | Yes, depending on sum insured | Yes, shared room. |
| AYUSH Cover | Optional | Included. |
| Cumulative Bonus | Up to 50 percent | Up to 100 percent. |
| Free Health Checkup | Annual, in 1st year after 1 year old | Annual, in 1st year after 1 st year old. |
| Critical Add-on Illness | Available | Available. |
| Digital Claim Facility | Yes | Yes. |
Q: Does the health insurance restoration benefit have any uses?
A: Yes, it provides that your sum insured is reinstated following a claim which is helpful when you have multiple or expensive treatment in a single policy year.
It is important in terms of wider coverage and convenient access when it comes to securing the health of your own family. Both plans provide family floater plans with child and parent cover. However, Sarvah Param is different as it offers:
ICICI Lombard Elevate boasts of city-wide hospital affiliations, and easy online policy management, and it is ideal with the urban families who appreciate the convenience of digital services.
Did you know? Most family policy claims in 2025 were associated with the treatment of sick children and elderly citizens, which focused on the necessity to settle the claims quickly and provide benefits related to wellness.
Cashless treatment, an existing disease cover and age flexibility are some of the priorities to consider in the case of individuals or seniors. The two plans also allow the of elder citizens over 60 years; there is no limit of the age of applicant to ICICI Elevate, and Sarvah Param up to 100 years.
Q: Will both plans increase my premium on renewal?
A: Premiums are age slab based and claim history, both plans have long term renewals with incremental increases which are primarily based on age.
As of 2024, both insurance companies offer online claim submission, real-time monitoring, and a high payout ratio. ICICI Lombard is known to approve the cashless claims within a few hours and in most cases. Sarvah Param provides claim assistance services that are personalized which makes it easier to customers of all ages.
It is important to know the exclusions before investing. These policies also share some standard exclusions that are prevalent with Indian health insurance products.
It is always important to read policy wording in order to get the full details on what is not covered.
Q: Do these plans cover the existing diseases?
A: Yes, subsequent diseases are covered after a normal waiting ( normally 24 to 48 months) period. In some cases, minor illnesses may not be covered within a certain period.
Q: Is it possible to transfer my current health insurance to either of the plans in 2025?
A: Yes, going by the IRDAI requirements, you will be in a position to transfer your policy at the time of renewal without any accrual loss based on the terms of the new policy by the new insurer.
Q: Which one is the better plan, in my case, when I require maternity and newborn baby cover?
A: They both have a maternity cover with a waiting period, though Sarvah Param frequently combines it with larger newborn benefits following the waiting period.
Q: Do the two plans have cashless preventive health checkups?
A: Yes, Sarvah Param is able to provide cashless preventive check starting on the first year of its policy and ICICI Lombard Elevate is able to provide after the first year of its policy.
Q: Do the health policy plans include COVID-19 and other infectious diseases?
A: Yes, the treatment of COVID-19 and related diseases is to be covered according to the latest IRDAI and health ministry recommendations.
A: What is the best plan that I should have?
A: Evaluate family size, medical history, and desired characteristics. Discuss the product brochure with the representatives of each insurer.
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Written by Prem Anand, a content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors.
Prem Anand is a seasoned content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors. He has a strong command of industry-specific language and compliance regulations. He specializes in writing insightful blog posts, detailed articles, and content that educates and engages the Indian audience.
The content is prepared by thoroughly researching multiple trustworthy sources such as official websites, financial portals, customer reviews, policy documents and IRDAI guidelines. The goal is to bring accurate and reader-friendly insights.
This content is created to help readers make informed decisions. It aims to simplify complex insurance and finance topics so that you can understand your options clearly and take the right steps with confidence. Every article is written keeping transparency, clarity, and trust in mind.
Based on Google's Helpful Content System, this article emphasizes user value, transparency, and accuracy. It incorporates principles of E-E-A-T (Experience, Expertise, Authoritativeness, Trustworthiness).
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