🚀 Fincover® App is Now Live!
Join 10 Million+ users on web – now available on mobile!
Last updated on: September 19, 2025
ManipalCigna Sarvah Param Plan and Niva Bupa Aspire Titanium Plan are both comprehensive health insurance options, but they differ in key features. ManipalCigna Sarvah Param emphasizes affordability and offers wide sum insured choices, unlimited restoration, and coverage for alternative treatments. It also provides additional benefits like wellness programs and global coverage on select versions. Niva Bupa Aspire Titanium, on the other hand, stands out for its high sum insured options, loyalty additions, booster benefits, no room rent restrictions, and extensive coverage for pre/post-hospitalization and day-care procedures. Aspire Titanium also features add-ons like personal accident cover and maternity benefits. While both plans offer lifelong renewability and extensive hospital networks, Niva Bupa Aspire Titanium suits those seeking extensive add-ons and flexible coverage, whereas ManipalCigna Sarvah Param is ideal for budget-conscious families seeking basic to mid-level coverage with essential benefits.
Author
Read Bio
Reviewed by
Read Bio
When selecting a health insurance plan in 2025, one has to trade between features, being flexible and affordable. Out of the numerous plans, Manipalcigna Sarvah Param Plan and Niva Bupa Aspire Titanium Plan have become the most preferred plans. They both provide a great coverage and innovative options, and serve the health needs of a modern Indian family.
This paper gives a detailed comparison of the two side by side so that you can determine which plan better suits your lifestyle, health priorities, and financial planning interests. We discuss benefits, eligibility, coverage information, price, family coverage, health and wellness, and customer experiences to help you make a wise decision to have peace of mind.
The Manipalcigna Sarvah Param Plan introduced its 2025 revision with the intention of providing health insurance of all-age coverage. It is well-liked by those families seeking not only comprehensive inpatient services but also value-added services.
| Feature | Coverage Details |
|---|---|
| Sum Insured | Rs 3 lakh to 1 crore |
| Entry Age | 91 days to lifetime |
| Renewal | Lifelong |
| No Claim Bonus | Up to 200 percent |
| Day Care Procedures | 600+ |
| Pre/Post Hospitalization | 60/ 180 days. |
| Room Rent Cap | No limit |
| Super Restoration | Infinite. |
| Health Checkups | 1/year, members. |
| Maternity Cover | Optional |
| Worldwide Emergency | Yes, to sum insured |
| OPD/Teleconsult | Yes |
Did you know? In the year 2025, industry analysts point out Manipalcigna unlimited restoration and wide wellness network as its market strong sides that are unique in the young urban family segment.
The Niva Bupa Aspire Titanium Plan is a plan designed to fit people who want to have high value health insurance with next generation add-ons such as bonuses and cashbacks to their loyalty. The improvements planned in 2025 are around wellness, cashless facilities and digital access.
| Feature | Coverage Details |
|---|---|
| Sum Insured | Rs 5 lakh to 3 crore |
| Age of entry | 18 years to 65 years (children aged 3 months and above) |
| Renewal | Lifelong |
| Loyalty Bonus | 10 percent/year (maximum 100 percent) |
| Day Care Procedures | 650+ |
| Pre/Post Hospitalization | 60/180 days. |
| Room Rent Cap | No limit on single room in private. |
| Digital Wellness | Reward points, cashback, discounts. |
| Mental Wellness | Yes |
| Global Protection | Yes, emergency and planned. |
| OPD/Pharmacy | Optional |
Expert opinion: Niva Bupa has a lot of potential in digital wellness rewards and loyalty benefits that can draw numerous urban policy buyers in 2025, which is why such technologies appeal to young professionals who like to use these tools.
To further simplify the comparison, we will divide the coverage, the value additions, exclusions and the pricing of each plan in a straight table.
| Aspect | Manipalcigna Sarvah Param | Niva Bupa Aspire Titanium. |
|---|---|---|
| Sum Insured Range | 3 lakh -1cr | 5lakh -3cr |
| Age of entry | 91 days - Lifetime | 18 - 65 years (kids 3 months+) |
| Pre/Post Hospitalization | 60 / 180 days | 60 / 180 days. |
| Wellness Benefits: | Annual check, telemedicine: | Annually, Rewards, Digital Health tools. |
| No Claim Bonus | 100 percent maximum | Loyalty bonus 100 percent maximum. |
| Room Rent | Unlimited | Single room privately. |
| AYUSH Treatments | Yes | Yes |
| OPD / Pharmacy | Yes | Optional |
| Restoration Benefit | Unlimited | To 100 percent SI. |
| Maternity Care | Add on | Optional. |
| Worldwide Ranging | Emergency only | Planned + Emergency. |
Mrs. Agarwal, a 42 year old lady, living in Bengaluru decided to settle on Manipalcigna Sarvah Param on behalf of her joint family. She enjoyed the annual check up and brief teleconsults. Her cousin, a young entrepreneur, has chosen Niva Bupa Aspire Titanium due to its loyalty program and global medical insurance that he can afford because of his travelling needs.
Q1: Do these plans have waiting period on pre-existing diseases?
Yes. The waiting period in both plans is normally 2 to 4 years to cover pre existing diseases, though there are exceptions on various ailments and can be tailored at time of purchase.
Q2: Is it possible to buy both plans on the Internet and compare them between platforms?
Absolutely. Platforms enable direct juxtaposition of the best plans, premium calculators and online onboarding with paperless KTM, and it is easy and direct.
Although the end result of the premium varies depending on the age, the city, the sum insured and additional add-ons, the following is a rough estimate of a 2-adults and 1-child family with a Rs 10 lakh sum insured (before taxes):
| Name of the plan | The approximate annual premium (Rs) |
|---|---|
| Manipalcigna Sarvah Param | 18,000 - 22,000 |
| Niva Bupa Aspire Titanium | 23,000 - 28,000 |
One should also check online marketplaces in order to compare the latest quotes, assess discounts, and customer reviews.
Did you know? There is a minimum of 35 percent of individual policy purchasers who utilized web-based applications in 2025 to compare add-ons and proximity to network hospitals prior to finalizing their health insurance policy.
The two insurers are always above 95 percent in terms of claim settlement ratio in 2025. Mobile claim intimation and tracking services offered by Niva Bupa are the best available, and Manipalcigna is valued due to the offer of personalised after-sales services and a wide network of empanelled hospitals.
Category Niva Bupa Aspire Titanium Category Manipalcigna Sarvah Param
Both plans exclude:
To update your policy document with latest 2025 exclusion lists, always read it.
Q: Which is a superior plan to cover newborn babies?
Manipalcigna Sarvah Param permits babies to be added after 91 days, which is suitable in the case of families who want to give birth to babies.
Q: Niva Bupa Aspire Titanium has dental and vision?
Dental and vision treatment can also be added.
Q: What is No Claim Bonus (NCB)?
NCB is the increase in sum insured per claim free year which adds more value to the policy with greater age.
Q: In what way can I determine what hospitals are covered?
Both strategies provide listings of searchable networks of hospitals on their websites and through online insurance marketplaces.
Q: Are the two plans lifetime renewable?
Yes, they both provide lifelong renewal, and there are no upper age limits when they are first entered into.
The choice of Go for Manipalcigna Sarvah Param is a good option when you require family-wide benefit, young children or elderly people, unlimited claim restoration, and OPD/telehealth.
Choose Niva Bupa Aspire Titanium in case you require sum insured up to over 1 crore, treatment worldwide, online interaction, and high-quality wellness.
A critical needs-assessment and online plan-comparison will assist you in locking in your family health efficiently as you move into 2025.
How could we improve this article?
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).
Loved by 1M+ users (web). Start your financial journey today!
