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Last updated on: August 7, 2025
The ManipalCigna Sarvah Param Plan and Niva Bupa Go Active Plan are popular health insurance options in India, each catering to different healthcare needs. ManipalCigna Sarvah Param Plan stands out for its extensive sum insured range (₹2.5 lakh – ₹1 crore), comprehensive coverage—including alternative treatments, global coverage, and unlimited restoration—and flexible add-ons. In contrast, the Niva Bupa Go Active Plan targets younger individuals and families with affordable premiums, 24/7 teleconsultations, wellness benefits, daycare procedures, and quick OPD reimbursements. While ManipalCigna is suited for those seeking high coverage and robust features, Niva Bupa appeals to those prioritizing affordability and preventive healthcare services. Ultimately, the choice depends on individual health needs, desired coverage, and budget, making both plans competitive options in the Indian health insurance market.
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There are a lot of options to make the right choice of health insurance in India in 2025. Niva Bupa Go Active Plan and Manipalcigna Sarvah Param Plan are two of the popular options often compared by people. They both cover everything and have differences in the benefits of the plan, features, age restrictions, the cost of the premium, and special services.
This guide provides a simple comparison of these two plans that is clear and easy to understand and make a confident decision regarding the health cover of your family.
Manipalcigna Sarvah Param Plan Manipalcigna Health Insurance is a normal health insurance product and will be offered to individuals who need a reliable health cover that is mandated by the IRDAI. This plan is introduced to allow the provision of uniformities in health protection among the various age groups and through standard inclusions.
Did you know? The IRDAI introduced such standard health insurance policies as Sarvah Param so that health policyholders could make comparisons easily.
Pros
Cons
Rajesh is 42 years old and resides in Bhopal and requires a low-cost health cover to serve his four-family members. He selects Manipalcigna Sarvah Param Plan because of the simplicity, low premium, and the recognized benefits that would keep his parents (more than 60 years old) safe without having to pay on additional add-ons that he does not require.
The Niva Bupa Go Active Plan is an up-to-date health insurance plan with features of Niva Bupa (previously Max Bupa). It targets the young working professionals and families looking to have active health, digital tools, and other wellness benefits. The policy is tailored, participatory, and it provides access to physical and digital healthcare services.
Insight: After the pandemic, the 2025 insurance platforms see a 40 percent increase in health policies that include digital wellness capabilities.
Pros
Cons
Priya, a 32 year old, Pune based marathon athlete and an IT employee. She chooses Niva Bupa Go Active Plan to herself and husband. The policy compensates her daily steps, nutritionist chat support, and free yearly medical tests, which suits her lifestyle that is active and health conscious.
The most significant features’ comparison as of 2025 can be table-form:
| Option | Manipalcigna Sarvah Param | Niva Bupa Go Active. |
|---|---|---|
| Sum Insured (Coverage) | 1 lakh -5 lakhs | 2 lakhs-25 lakhs. |
| Entry Age | 3 months (child), 18-65 yrs | 91days-65yrs. |
| Pre/Post-Hospitalization Cover | 30/60 days | 60/180 days (greater variants) |
| OPD/Wellness Support | Not available | Yes (Digital app, OPD cashless) |
| Room Rent Limit | No sublimit SI below SI 5 lakhs-SI above SI 5 lakhs. | |
| Extra Wellness Benefits | No (health coach, rewards) | |
| Renewal | Lifetime | Lifetime |
| Network Hospitals (2025 data) | 8000+ | 9400+ |
| Premium Range (Family Floater) | 3200-9300 rupees/year | 6800-19500 rupees/year |
| Co-payment/Loading | Nil by default | Choice when aged over 61. |
| Add-ons | Not available | Yes (dental, critical illness, etc.) |
| Waiting Period of Pre-existing Disease | 4 years | 2-3 years. |
Did you know? Others are major online marketplaces that consolidate ratings, assert claim settlement information, and benefits to help consumers compare Manipalcigna and Niva Bupa plans and then purchase.
Frequently Asked: Which Plan Features a shorter waiting time on pre-existing illnesses?
Compared to 4 years of standard coverage 4 years standard on pre-existing diseases in Manipalcigna Sarvah Param Plan, Niva Bupa Go Active provides faster coverage(min years 2).
Vikas, 38 years old, wishes to see a dermatologist, to have his teeth scaled. He uses Go Active Plan and makes cashless reservations and receives medicine discounts. Such OPD benefits are not paid under Sarvah Param.
People Also Ask: Can you claim under Niva Bupa Go Active Plan easily?
Yes, 80 percent plus of intended hospitalization is settled off-cash in less than 2 hours across network facilities as per 2025 reports.
Professional opinion: Recent IRDAI circulars indicate that add-ons can be used to customize a policy to meet the dynamism in the family needs, especially when the children are growing or parents are getting lifestyle diseases.
Age, city, and coverage required may cause premiums to vary, although the following are sample annual premiums of a family floater (2 adults and 1 child) as at April of 2025:
| Age Group | Manipalcigna Sarvah Param ([?]) | Niva Bupa Go Active ([?]) |
|---|---|---|
| 30-35 | 3950-4400 | 7250-9300 |
| 45-50 | 5250-5800 | 10800-12250 |
| 61-65 (senior) | 8850-9310 | 18100-19500 |
People Also Ask: Why is Niva Bupa Go Active Plan premium more expensive?
Niva Bupa Go Active Plan is comparatively expensive than a normal health insurance plan such as Sarvah Param due to the features of digital wellness, higher sum insured, and the duration of OPD.
Unbiased online marketplaces can be used to review hospital network in your city and match plans with each other side by side.
| Option | Manipalcigna Sarvah Param | Niva Bupa Go Active. |
|---|---|---|
| Annual Health Check-up | No | Yes (since 1 st year) |
| Digital Health Tracking | No (smart app) | Yes. |
| Fitness Rewards | No | Yes |
| Diet/Nutrition Support | No | Yes (in-app expert) |
Niva Bupa Go Active can be an addition to the practical value of health-conscious families or people who want to take care of chronic conditions prior to their development.
Amit is 29 years old and he lives in Bengaluru where he would like to be covered with his parents. He views Manipalcigna Sarvah Param under which parents can save premium, whereas Go Active under which he can monitor fitness and have access to city-based OPD.
Q1: Which is the better health insurance of parents older than 60, Manipalcigna Sarvah Param or Niva Bupa Go Active?
A: Sarvah Param can be cheap in terms of the premiums offered and easy terms hence senior citizens can take it, but Go Active has more features at a premium.
Q2: Does Niva Bupa Go Active Plan include OPD consultations?
A: Yes, networks are cashless in network hospitals and clinics with regards to OPD services, diagnostics and pharmacy costs.
Q3: Is Manipalcigna Sarvah Param Plan Eligible to add maternity benefit?
A: No, this IRDAI standard plan does not have add-ons such as maternity, personal accident and hospital cash.
Q4: Will the two policies include COVID19 hospitalisation in 2025?
A: These two policies include COVID19 related hospitalisation as outlined in 2025 guidelines.
Q5: Waiting period of pre-existing diseases in these plans?
A: Manipalcigna Sarvah Param: 48 months (4 years); Niva Bupa Go Active: 24 36 months (depending on the version).
Q6: How can I compare the 2 plans at a glance?
A: There are several online marketplaces in India that would compare instant side-by-side quotes, premium quotes, and previews of eligibility of both plans instantly. This is so that you can view actual customer testimonies and network coverage of hospitals prior to buying.
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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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