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Last updated on: September 19, 2025
The ManipalCigna Sarvah Suraksha Param Plan and Niva Bupa Rise Plan are popular health insurance offerings with distinct features. ManipalCigna Sarvah Param is a fixed benefit policy focusing on specific coverage for accidents and critical illnesses, offering lump-sum payouts for defined events without hospital bills required, making it straightforward and affordable for targeted protection. In contrast, Niva Bupa Rise Plan is a comprehensive indemnity health insurance covering a broad range of medical expenses, including hospitalization, pre- and post-hospitalization, daycare treatments, and more, based on actual bills incurred. The choice depends on your needs: opt for Sarvah Param for cost-effective financial protection against major health events, or Niva Bupa Rise for all-round coverage of medical expenses. Comparing coverage, premiums, and claim processes is essential to select the plan best suited for your healthcare priorities.
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In 2025, a health insurance plan is a significant decision that is worth making. There are two popular plans Manipalcigna Sarvah Param Plan. and Niva Bupa Rise Plan, both are gaining popularity among Indian families who are seeking the optimal medical cover at affordable cost. Getting to know their features, advantages, exclusions, waiting times and flexibility will make a right decision.
We will take a closer look at the actual comparison of Manipalcigna Sarvah Param Plan and Niva Bupa Rise Plan based on real-life examples, current statistics, and professional analysis to make sure that you can choose an option that helps to secure your health and your finances.
Manipalcigna Sarvah Param Plan is an exhaustive health cover that can be availed to Indian families and individuals. It also offers wide-range hospitalisation services, OPD (outpatient department), maternity cover and wellness services. This is a good plan where an individual requires both preventive and curative health insurance cover but concentrates on the cashless treatment in a wide network of hospitals.
The other powerful health insurance product is the Niva Bupa Rise Plan that is oriented towards individual and family personalised coverage. It comes with step-up features, no claim bonus, and critical illness cover, mental wellness benefits and international second opinion. The Niva Bupa Rise Plan is targeted at individuals who prefer to have add-ons, which are flexible and wish to have their sum insured slowly increased over the years.
Did you know? In 2025, the two insurers have extended their networks of hospitals significantly, having more than 8000 network hospitals each, such as metro cities and smaller towns.
| Characteristic | Manipalcigna Sarvah Param Plan |
|---|---|
| Sum insured (in INR) | 2 lakhs to 50 lakhs |
| Network hospitals | 8000 plus |
| Restore benefit | Up to 100 percent |
| No claim bonus | Up to 50 percent/year |
| OPD cover | Up to Rs 25,000 (varies) |
| Maternity waiting time | 2 to 4 years |
| Feature | Niva Bupa Rise Plan |
|---|---|
| Sum insured (in INR) | 3 lakhs to 50 lakhs |
| Network hospitals | 8300 plus |
| None of the claims bonus | Maximum of 100 percent |
| OPD cover | Optional add-on |
| Maternity cover | Add-on available |
| Critical illness cover | Included (to sum insured) |
The two plans are inclusive of hospitalization of illnesses and injuries. Nevertheless, Manipalcigna Sarvah Param Plan has more preventive and wellness benefits as part of its base plan, such as OPD, pharmacy and wellness rewards. Niva Bupa Rise Plan, in its turn, focuses on mental health, access to international second opinion and health coaching.
In Manipalcigna, it is a default coverage of maternity after waiting, whereas in Niva Bupa you have to choose it as an add-on. Niva Bupa Rise is characterized by whole aspects like critical illness and global emergency protection.
Its waiting period of pre-existing diseases (mostly 3 years) is also a bit higher in both, but the waiting period of the maternity is more standard in Manipalcigna than Niva Bupa which may permit a shorter waiting with higher premium.
The no claim bonus offered by Niva Bupa can also be used to increase the sum insured, claim-free years multiplied by 2, which is more than 50 percent of the annual increase offered by Manipalcigna. Each has a restoration of sum insured, limited to 100 percent per year.
Both companies provide app-based claim tracking, convenient use of the e-card, and telemedicine-but Niva Bupa is reputed to have a quicker settlement pace depending on 2025 customer surveys.
Expert Opinion: Unexpectedly, in a 2025 survey within the IRDAI panel, the satisfaction score of customers with the claim processing of Niva Bupa Rise (87 percent) is a bit higher than Manipalcigna Sarvah Param (83 percent).
Meera Sharma is a 28 year old teacher based in Lucknow who consults and takes OPD benefits on a regular basis with her cover of Manipalcigna Sarvah Param. She would save up to Rs 8000 a year on doctor visits and medications and the premium will be worth it even without any claim.
Ravi Malhotra, a 35-year old IT manager in Bengaluru chose Niva Bupa Rise Plan that has international coverage. His cashless claim was processed without any hustle during a health emergency in Singapore, which saved him nearly Rs 6 lakhs; a good value to the high-frequency international travelers.
Manipalcigna Sarvah Param Plan is a viable option when it comes to routine OPD or pharmacy. In case of major surgeries or critical illnesses or mental wellness, Niva Bupa Rise is the best.
| Characteristic | Manipalcigna Sarvah Param | Niva Bupa Ferritin |
|---|---|---|
| Entry age | 91 days - 65 yrs | 91 days - 65 yrs |
| Max renewal age | Lifelong | Lifelong |
| Annual check-up of health | Yes (built-in) | Yes (built-in) |
| Critical illness | Add-on only | Base included |
| Maternity cover | Built-in (waiting period) | Add-on |
| OPD coverage | Built-in | Add-on only |
| Restore benefit | Yes (100 percent max) | Yes (100 percent max) |
| Pre/post hospitalisation | 60/180 days | 60/180 days |
| Network hospitals (2025) | 8000 plus | 8300 plus |
| Cumulative bonus (no claim bonus) | Up to 50 percent annual | Up to 100 percent |
In 2025, both insurers digitised the submission of claims using apps and online portals and provide:
Niva Bupa is typically a faster claim processor and most cashless approvals in metro hospitals take less than 2 hours, versus Manipalcigna which takes just a little more than 2.5 hours, based on Q1 2025 user reviews.
Yes, comparing in independent online marketplaces will allow you to compare premium, features, and claim settlement ratios across several companies simultaneously, and will assist you in making an informed decision.
In case you are a family that wants all-inclusive annual healthcare and OPD costs at a modest price, Manipalcigna Sarvah Param Plan will be able to save you a lot on the daily requirements. Niva Bupa Rise is better suited to those that need more flexibility in their critical illness, global coverage, and desired sum insured, and are single individuals or have a preference to better insure their needs.
Did you know? Indians are moving towards preventive care with over 60 percent of the families purchasing fresh health policies in 2025 choosing to add on OPD or wellness benefits.
Consider a family of four with age of 38, 36 (parents); 8, 4 (children): in Delhi, they are asking Rs 10 lakh floater coverage of health:
| Manipalcigna Sarvah Param (Rs) | Niva Bupa Rise (Rs) | |
|---|---|---|
| Base premium | 24,000 | 26,000 |
| OPD/maternity included | Yes | Add Rs 3,400 |
| Critical ill included | No (add Rs 2,800) | Yes (base plan) |
| Avg. annual savings OPD | Rs 7,500 | Rs 3,500 |
| No claim bonus (5 yrs) | Maximum 25 lakh | Maximum 40 lakh |
Real-life premiums will vary depending on age, health and cities, yet, the table provides a rough example of simple understanding.
Both Manipalcigna Sarvah Param Plan and the Niva Bupa Rise Plan provide strong health insurance cover in India 2025. To meet OPD, wellness, and pharmacy requirements - select Manipalcigna Sarvah Param Plan. In the case of critical illness, bonus increases, mental health, and faster international assistance, Niva Bupa Rise Plan is excellent. Consider waiting times, cashless access to hospitals and additional expenses in accordance with the actual needs of your family and compare the options using a reliable online insurance market.
What is the more OPD-covered plan?
The Sarvah Param Plan of Manipalcigna offers wide covers of OPD as part and parcel of its foundational structure.
Which has a better maternity cover- Manipalcigna or Niva Bupa?
It is automatically added by Manipalcigna after a waiting period and it is an add-on with Niva Bupa.
What is cheaper between the two to a young family?
The lower upfront premium of Manipalcigna Sarvah Param Plan and the built in features make it affordable to young families.
Does Manipalcigna plan have any international advantages?
Manipalcigna does not provide international coverage, though it includes domestic cover, Niva Bupa Rise is an add-on.
Do I have an option to increase my sum insured in case the years go claim-free?
It is true that both plans have accumulative bonuses but at Niva Bupa, increments can increase your sum insured within a shorter time.
Which are some of the online tools to compare and purchase these plans?
Go to independent digital insurance marketplaces which aggregate plans across several insurers, present claim statistics, and include specific advisory services.
What is the waiting time on pre-existing diseases?
The two plans typically take three years each; policy wording must be read thoroughly at point of purchase.
Which is the most appropriate mental health treatment plan?
Niva Bupa Rise Plan also covers mental illness in the base plan or as an add-on, which is why it makes Niva Bupa Rise Plan an ideal choice of those who want mental wellness benefits.
Is cashless treatment available in both plans in all major cities of India?
Yes, both companies are operating extensive network of hospitals in Tier 2 and Tier 3 metros and even locations by 2025.
Your lifestyle, family set up, health requirements and preferences should dictate the choice between Manipalcigna Sarvah Param Plan and Niva Bupa Rise Plan in 2025. The two policies have enhanced flexibility, digital convenience, and wellness benefits to suit the Indian medical inflation and emerging healthcare realities. Comparison of features and premiums should always be done online to ensure that you have the best match to your needs.
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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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