🚀 Fincover® App is Now Live!
Join 10 Million+ users on web – now available on mobile!
Last updated on: August 7, 2025
Manipalcigna Sarvah Param Plan and Niva Bupa Health Reassure Plan are both comprehensive health insurance options, but they have key differences. Manipalcigna Sarvah Param offers sum insured options up to ₹3 crore, extensive global coverage, unlimited restore benefits, and wellness programs, making it suitable for high-value coverage seekers and those wanting broader features. Niva Bupa Health ReAssure also provides high sum insured up to ₹3 crore, unlimited reinstatement, and covers AYUSH treatments, but stands out with its No-Claim Bonus Booster and lifelong renewability. While both plans offer cashless hospitalization and extensive hospital networks, Manipalcigna is more suited for those seeking global protection and customized family coverage, whereas Niva Bupa excels in reward-oriented features and post-hospitalization coverage. Your choice should depend on your preferences for geography, add-on benefits, and reward features.
Author
Read Bio
Reviewed by
Read Bio
When it comes to picking out a health insurance plan to cover your family, it is not about saving on the lowest premium. Indian families are considering the amount of coverage and also the reliability, the claim process, additional features and benefits that really come when needed in the most challenging moments. Manipalcigna Sarvah Param Plan and Niva Bupa Health Reassure Plan are some of the current popular health insurance plans. The two offer different things that attract various needs. Today we are going to deconstruct their features, strengths, limitations, and how they fare in a practical everyday setting.
Both of these insurance plans center on holistic medical treatment, cashless hospitalization, critical illness, maternity coverage (where applicable), yearly health examination, day care treatment and additional benefits. However, they also differ in the amount of the coverage, age restrictions, renewability, network hospitals, and additional benefits that Indian families will receive in 2025.
Expert Insight: Restoration and booster benefits have had a tremendous impact on the experience that families have when it comes to insurance claims. Such plans provide psychological relief and enhanced cover to regularly occurring or distinct significant illnesses, says Rahul Shetty, Insurance Consultant (2025).
Although Manipalcigna Sarvah Param Plan and Niva Bupa Health Reassure Plan are the leaders in terms of coverage, the fundamental differences are in the premium prices (which vary in relation to ages, coverage, city), restoration benefits and add-ons.
| Benefit | Manipalcigna Sarvah Param | Niva Bupa Health Reassure. |
|---|---|---|
| Sum Insured Range | Rs 2 lakh - Rs 5crore | Rs 3 lakh - Rs 3 crore |
| Entry Age | 91 days -no upper limit | 91 days - 65 years |
| Renewal Age | Lifelong | Lifelong. |
| Network Hospitals (2025) | 9000+ | 8700+ |
| Restore Benefit | Yes, unlimited | Yes, unlimited. |
| Booster/No Claim Bonus | Upto 200% | Upto 100% |
| Room Rent Limit | No capping | No capping |
| Pre-Existing Disease Waiting | 24-48months | 36 months |
| Outpatient Cover OPD or Outpatient Cover | Available (rider) | not basic, add-on. |
| Maternity & Newborn | Yes, after waiting period | Yes, after waiting period |
| Critical Illness Add-on | Available | Available. |
| AYUSH, Modern Treatments | Yes | Yes. |
| Wellness & Reward Points | Yes | Yes. |
| Premium Sample (Rs 10 lakh 2 Adult + 1 child, Mumbai, 30 yrs) | Rs 15,000 -18,000/year | Rs 17,000-19,000/year |
Did You Know? Most Indian health insurance plans have limited restoration benefits in the year 2025, and the two plans are on the top of the list of those families having a concern of multiple hospitalizations in a single year.
Saurabh (31) is an IT professional in Pune who purchased the Sarvah Param family floater costing his family of 4 Rs 20 lakh. The unlimited restoration proved to be very smooth as the same policy saw to it that his sister got a claim when she needed to be hospitalized twice in the same year (Dengue and accident). The cycling to work also earned him some wellness credits that lowered the following year premium.
People also ask:
Q: What is unlimited restoration of Sarvah Param Plan?
A: It implies that your sum insured is reinstated on several occasions in a year without any corresponding illness and hence you are not short of cover.
Suman is a working mother and a resident of Delhi and she chose Niva Bupa Health Reassure at a sum insured of Rs10 lakh. The coverage of her family doubled after two years with no additional expense as she had not been in any hospital. In a case where her father-in-law was in need of an emergency in Goa, cashless treatment and organ donor cover saved money and time in which the response was required.
Professional Advice: Think about the digital service and hospital network coverage in your locality. The majority of insurance companies provide apps to track their claims and even see a doctor by 2025; however, some websites are more responsive.
| Features | Manipalcigna Sarvah Param | Niva Bupa Health Reassure |
|---|---|---|
| Wellness Benefits | Yes, credit system | Yes, but dynamic less. |
| Global Treatment | Add-on based | Add-on based |
| Critical Illness Add-on | Multiple, modular | Multiple, modular. |
| Pre-existing Waiting | Up to 2 years (major) | 3 years. |
| Direct Digital Claims | Yes, through an app only | Yes, app and WhatsApp. |
| Family Floater Discount | Yes, on either premium(s) | Yes, percentage based. |
Although both are good options, you can make your online insurance search easier by using online insurance exchanges. With these platforms, you can compare premiums, features and claim settlement ratios of Manipalcigna, Niva Bupa, and other health insurance companies in real time to ensure that the policy that you purchase actually covers your family needs in 2025 and beyond.
Did You Know? According to the IRDAI reports, more than 65 percent of new insurance policies in 2025 would have been bought after direct premium and feature comparison in such online platforms.
The latest annual report of IRDAI reports that both Manipalcigna Health and Niva Bupa continued to report a claim settlement ratio of over 96 percent in FY 2024-25 with the majority of cashless approvals occurring within 2 hours. Third party review sites indicate high ratings of customer satisfaction based on timeliness in cashless hospitalization, yet Manipalcigna wins the race in app-based settlement whereas Niva Bupa is rated a little higher in the customer support call rating.
| Parameter | Manipalcigna Sarvah Param | Niva Bupa Health Reassure. |
|---|---|---|
| Claim Ratio | 97.2% | 96.8% |
| Cashless TAT | 1.5 hours average | 2.0 hours average. |
| Renewal Rate | 89% | 88% |
| App Experience | 4.4/5 | 4.1/5 |
| Support Quality | 4.2/5 | 4.5/5 |
People also ask:
Q: Is Niva Bupa pre-existing conditions covered?
A: Yes, pre-existing illnesses are under Health Reassure Plan; this is after a waiting period of 36 months.
Want an easy summary?
Manipalcigna Sarvah Param Plan has larger sum insured, early wellness benefits and would suit large families that want restoration and early health checks to the maximum.
The Niva Bupa Health Reassure Plan is popular among urban families that require booster (no-claim bonus) and no room rent capping, and flexibility of network hospitals and claims settlement.
Both have life-long renewals, good digital services, and high restoration allowances, yet check premium, waiting duration and add-ons.
In 2025, to prevent surprises, use high rated online marketplaces to compare premium and features with highly rated premium and features.
What is the superior plan that suits senior citizens in 2025?
The two plans permit entry to age 65 or lifelong renewal, but Niva Bupa Health Reassure is reputed to charge no co-pay provided one is under 65, and this could appeal to the elderly.
Does Manipalcigna and Niva Bupa cover OPD?
Both plans are mostly offered by means of add-ons in the form of OPD (out-patient consultation, diagnostics, minor procedures).
What is the speed of approval of claims in such plans?
Majority of claims such as network hospital cashless are approved within 2 hours under the right paper work and policy terms.
Can I buy these plans online?
Yes, as of 2025 both schemes are available on aggregator sites and on insurer websites, and can be purchased right away and documents uploaded and policy issued.
Do the two plans include global hospitalization benefits?
Both the plans provide global coverage and emergency medical evacuation as supplements. See policy terms in terms of eligibility.
Which of the two should I choose?
Now list the priorities of your family: sum insured, hospital network, ease of claim processing, optional covers and cost. Compare the premiums, exclusions and additional benefits to your life stage on an online tool.
Expert Advise: Regardless of the health insurance policy you take, ensure that you review it every year and increase your sum insured in the event that you change your income or family circumstances. These two plans are flexible and top-upable, both suggest Priyanka Manoj, Health Insurance Advisor, 2025.
The Manipalcigna Sarvah Param as well as the Niva Bupa Health Reassure Plan are both the best health insurance policies available to the Indian families in the year 2025. The option that would suit you best would be based on your budget and family size, medical history, and what features you place importance on. Compare and get a quick and transparent decision in a reputable online insurance market.
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!
