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Last updated on: August 7, 2025
The ManipalCigna Sarvah Param Plan and Niva Bupa Health Premia Plan are both comprehensive health insurance policies, but they target different needs. ManipalCigna Sarvah Param offers highly flexible sum insured options (up to ₹3 crore), no room rent capping, and broad coverage including daycare procedures, maternity, and critical illness, making it ideal for those seeking customizable, all-in-one coverage. Niva Bupa Health Premia also provides extensive benefits like global coverage, maternity, and personal accident, with sum insured options up to ₹3 crore; it stands out for features like international treatment for 9 major illnesses and family floater options covering up to 19 relationships. While both plans offer robust protection and value-added services, ManipalCigna excels in modularity and customization, whereas Niva Bupa is best for families seeking broader global coverage and unique add-ons. Choose based on your need for customization versus global & family-centric benefits.
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Health insurance plays an imperative role in the contemporary life, particularly in India where the increasing medical expenses can burden the pockets of any family. To make the informed decision in 2025, it is necessary to compare the popular comprehensive mediclaim policies, including the Manipalcigna Sarvah Param Plan and Niva Bupa Health Premia Plan. Having both plans, which have broad coverage and intelligent benefits, it usually becomes difficult to the buyer to choose one. In this article, we explore these two health insurance products in details, covering features, coverage, claim process, cost, and a real-life experience of these health insurance products to enable you make a choice of the best health insurance product this year when it comes to your family.
Sarvah Param Plan by Manipalcigna is a health insurance flagship plan, which aims to provide all-inclusive covers against hospitalisation costs, modern treatment options and critical illnesses. This strategy has received a high rating in terms of its flexibility and rich list of features, which suit city and country policyholders.
Did you know?
According to the insurance experts, more than 55 percent of claims in 2025 were in outpatient and day care treatments which Sarvah Param will take care of in totality.
The Health Premia Plan by Niva Bupa is a high-end offering in the Indian health insurance market in 2025 and targets high-income earners and families seeking worldwide coverage. This policy is also distinguished by its extensive international coverage, large sum of insurance and luxurious wellness benefits.
People Also Ask:
Does Niva Bupa Health Premia offer coverage to elderly citizens?
Yes, the plan will have options of coverage of individuals to 65 years with variation among seniors.
A table side-by-side can help in understanding:
| Characteristic | Manipalcigna Sarvah Param | Niva Bupa Health Premia. |
|---|---|---|
| Sum Insured | [?]2 lakh to [?]3 crore | [?]5 lakh to [?]3 crore |
| Annual Check-up | Yes, at each renewal | Annual, comprehensive and wellness. |
| Day Care Coverage | 1000 + procedures | 540 + procedures |
| Pre/Post Hospitalisation | 60/180 days | 60/180 days. |
| International Scope | Bissoondoyal (option add) | |
| Maternity and Newborn | Yes (following wait) | Broad, and includes vaccination. |
| AYUSH Treatment | Covered | Covered |
| Organ donor cover | Included | Included |
| Room Rent Limit | No limit in higher forms | No limit (Premium variant) |
| Wellness/Rewards | Healthy habits points (Extensive, free tests, rewards) | |
| PED Waiting Period | 2-4 years | 2-4 years. |
| Critical Illness Add On | Yes | Yes. |
Pros:
Cons:
Pros:
Cons:
A 38-year-old marketing executive living in Delhi Pooja Sharma also changed her family plan to the Manipalcigna Sarvah Param Plan after comparing it online through an online market place. Her son was to get a minor operation in a period of eight months. The insurer covered day care expenses, had no limit on the room rent and cashless claim was approved within a short period of three hours.
In the meantime, Suresh Gupta, 45, chose Niva Bupa Health Premia that has international cover. He became sick in the middle of his business trip to London, and he needed to become hospitalised. His medical bills in foreign countries were covered by the policy which was directly paid by Niva Bupa, the value of global protection.
People Also Ask:
Is it possible to change one insurer to another?
Yes, the rules of Indian IRDA (as of 2025) permit health insurance portability after a year to retain accumulated benefits.
| Age Group | Sum Insured | Sarvah Param Annual Premium | Health Premia Annual Premium. |
|---|---|---|---|
| 30 years | [?]10 lakh | [?]7,800 | [?]10,500 |
| 45 years | [?]20 lakh | [?]13,200 | [?]16,700 |
| Family (4) | [?]25 lakh | [?]19,500 | [?]26,300 |
| 60 years | [?]10 lakh | [?]19,700 | [?]21,800 |
Realistic premiums are based on age, city, history of diseases, period of the policy. Not included in above: GST and additional add-on covers.
Did you know?
Both these insurers processed over 80 percent of health claims within 10 working days as per the annual data provided by IRDAI.
A spouse, children and dependent parents can be covered by both policies in family floater options however:
Sarvah Param is leading in the category of giving a day care procedure coverage (chemotherapy, dialysis, minor surgeries, etc. it covers more than 1000 procedures in day care). Niva Bupa provides good coverage although the list is not so broad with add-ons.
People Also Ask:
How easy is the claim process?
They both have online claim management and app-based. Direct-in-house claim settlement team of Niva Bupa accelerates the procedure without the involvement of TPAs.
The plans are both industry-based plans:
Mental health has become a part of health insurance. Both the plans cover the full psychiatric treatments following the waiting period such as the OPD to counseling and the prescription drugs according to the IRDAI requirements in 2025.
Did you know?
Research indicates that the addition of mental health coverage increased the number of policyholders utilizing insurance to cover counseling sessions by30 percent in the last decade.
Even more customers are now comparing Manipalcigna Sarvah Param Plan vs Niva Bupa Health Premia Plan online through a comparative analysis of premium, inclusions, and claim record. This aids to narrow down the most ideal plan based on age, pre-existing condition and budget.
When choosing between these two best policies, health insurance advisors in 2025 recommend that you consider your current and future medical needs, traveling habits, and the hospitals you prefer in the network.
Q: Can I purchase these policies fully online in 2025?
A: Yes, Manipalcigna and Niva Bupa provide end-to-end online purchase, document upload and e-KYC to health plans.
Q: Does it have any limitations to senior citizen enrolment?
A: Both insurers cover the persons to the age of 65 years and renew lifetime. Older entrants have higher premiums.
Q: Are these plans cashless hospitalisation?
A: Yes, both plans will offer comprehensive access to thousands of network hospitals without cash, i.e. you do not pay upfront covered treatment.
Q: Is it possible to add to the family members after the policy is issued?
A: Spouses, children and other family members can be added at renewal or with conditions under a mid-term.
Q: In what way can I claim treatment abroad?
A: Niva Bupa Health Premia (when the global add-on is chosen) pays directly the hospital abroad or reimburse you. International cases of limited scope are covered by Manipalcigna in some variants.
Q: What should happen in the case of an existing disease? Should I disclose it?
A: Purchase is to be completely disclosed. Unreported prior conditions can lead to the rejection of claims.
Does a premium rise following a claim?
Usually, not, although the premiums of renewal in the future increase with age and medical inflation.
Which documents does a claim require?
Original bills, discharge summary, test report, KYC. In the case of online claims, online uploads will be accepted.
Are policies portable to a different insurer?
Yes, it is permitted by IRDAI portability rules without forfeiture of waiting period credits, but to be accepted by new insurer.
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).
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