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Last updated on: August 7, 2025
The Manipalcigna Sarvah Param Plan and Sarvah Uttam Plan are both comprehensive health insurance products offered by ManipalCigna, but they differ significantly in features and coverage. The Sarvah Param Plan is designed to offer extensive coverage, including higher sum insured options (up to Rs 3 lakhs), no room rent limits, wider pre- and post-hospitalization coverage, and additional wellness benefits, making it suitable for families seeking robust protection. In contrast, the Sarvah Uttam Plan provides basic health coverage with lower premium costs, restricted sum insured options (up to Rs 1.5 lakhs), and limited hospital benefits, catering to individuals or families with minimal insurance needs or a tight budget. Choosing between the two depends on your health coverage requirements and budget—with Param being ideal for comprehensive needs and Uttam fitting for essential, affordable protection.
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Knowing the type of health insurance that best suits you as an individual or family would save you both the money and concerns, particularly with the increasing cost of healthcare in 2025. Some of the most widely preferred plans this year are the ManipalCigna Sarvah Param Plan and the ManipalCigna Sarvah Uttam Plan. These two ManipalCigna products are different products in terms of the benefits, limits, and prices they have to offer. ManipalCigna is one of the trusted health insurers in India. This is where we engage in a comparative analysis of this in detail and without bias to enable you make an informed decision.
The ManipalCigna Sarvah Param Plan is a regular health insurance policy that will be used to cover all aspects with a low premium in 2025. It is appropriate to people, couples and families who are interested in the security of not having to incur huge medical bills but they are flexible on features.
Expert Opinion: As OPD costs increase, a holistic approach like Param is particularly relevant among young families that are going into new life phases.
The ManipalCigna Sarvah Uttam Plan is designed to provide broader and more improved cover with increased policy covers and multiple premium offerings. It suits those who value extensive cover or increased medical bills.
Did You Know? Uttam plan is mostly sought after by working professionals in metro cities where hospitalisation is costlier, or by those travelling abroad.
The fundamental distinction is in the coverage extent, amount covered and the rates.
| Option | Sarvah Param Plan | Sarvah Uttam Plan |
|---|---|---|
| Sum Insured Range | ₹50,000 – ₹5 lakh | ₹3 lakh – ₹50 lakh |
| Room Rent Limit | General ward/limited | Single private room (no limits) |
| OPD Coverage | Not covered | Covered (up to ₹20,000 a year) |
| No Claim Bonus | Up to 50% | Up to 100% |
| Maternity Benefit | Not included | Included after waiting period |
| AYUSH Treatments | Included | Included |
| Pre/Post Hospitalisation | 30/60 days | 60/180 days |
| Annual Health Check-up | Once in 3 years | Annually |
| Network Hospitals | 7,700+ | 8,500+ |
| Global Emergency Cover | Not available | Available (select plans) |
| Domiciliary Hospitalisation | Yes | Yes |
| Premiums (Approx, 30 yrs, ₹5 lakh SI) | ₹3,400 per annum | ₹5,500 per annum (higher SI options) |
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Expert Opinion: Always compare health insurance plans on reliable online marketplaces to assess actual prices and personalised options.
Q: Day 1 cover under Param or Uttam on pre-existing illness?
A: Both have 2–4 years waiting period for PED.
Did You Know? According to IRDAI 2025 report, medical inflation in India is at 13%, making high sum insured plans like Uttam highly relevant.
| Advantages | Sarvah Param | Sarvah Uttam |
|---|---|---|
| In-patient Hospitalisation | Yes, up to SI | Yes, up to SI |
| Pre/Post Hospitalisation | 30/60 days | 60/180 days |
| Day Care Procedures | 586 covered | 600+ covered |
| Organ Donor Expenses | Covered (part) | Covered up to SI |
| Maternity Coverage | Not covered | Up to ₹1 lakh (after waiting) |
| New Born Baby Cover | Not covered | Covered from day 1 (after maternity) |
| Room Rent | General/Limited | Single Private Room |
| No Claim Bonus | Up to 50% | Up to 100% |
| Contemporary Medications | Minimal | Maximal |
| OPD and Consultation | Not covered | ₹10,000–₹20,000/year |
| Worldwide Coverage | No | Yes (variants) |
| Wellness Benefits | No | Yes |
| Deductible Option | No | Yes |
Professional Recommendation: A slightly higher premium plan like Uttam is safer against medical inflation and future complications.
Q1: Which is suitable for senior citizens?
A: Sarvah Uttam is safer with higher sum insured and no room rent cap, though premiums are higher.
Q2: Can I switch from Param to Uttam later?
A: Yes, during renewal or porting, subject to underwriting.
Q3: Are network hospitals same for both?
A: Uttam has a larger and more premium network.
Q4: What are waiting times for maternity and PED?
A: Uttam – maternity 3 years; PED 2–4 years. Param – no maternity; PED 2–4 years.
Q5: Is cashless treatment available pan-India?
A: Yes, for both.
Q: How to purchase ManipalCigna Sarvah plans?
A: Via insurer website or online marketplaces for easy comparison.
Q: Does Sarvah Param include OPD or add-ons?
A: No OPD in Param. Uttam covers OPD within limits.
Q: Do both plans have No Claim Bonus?
A: Yes. Param up to 50%, Uttam up to 100%.
Q: Which is better for new parents in 2025?
A: Uttam – due to maternity and newborn cover.
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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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