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Compare real policy features side-by-side and quickly spot where one plan is stronger.
| Feature | ManipalCigna - Sarvah (Uttam) | Star Health and Allied - Star Health Comprehensive |
|---|---|---|
| Room Rent Limit | Capped | NA |
| Co-Pay | Yes | No |
| Disease Sub-limit | Yes | NA |
| Initial Waiting (Days) | NA | 30 |
| Pre-existing Disease Waiting (Years) | 3 | 1 |
| Daycare Procedures | Yes (Covered up to: sum insured) | Yes (Covered up to: sum insured) |
| Domiciliary | Yes (Covered up to: sum insured) | Yes (Covered up to: sum insured) |
| Organ Donor Cover | No (Covered up to: sum insured) | No (Covered up to: sum insured) |
| Modern Treatments | Yes | Yes |
| Refill on Exhaustion | Available | Available |
| Refill Illness Applicability | Related and unrelated illness | Related and unrelated illness |
| Refill Trigger | Partial exhaustion of Sum Insured | NA |
| Refill Limit | Unlimited times in a policy year (Add-on) | Once in a policy year |
| Refill Applicable Claim | Subsequent claims (Add-on) | Subsequent claims |
| Consumables | No | Yes |
| Bonus Max Limit | 1000% | 100% |
| % Settled < 30 Days | 98.69% | 97.69% |
| % Complaints on Claims | 0.25% | 0.52% |
| Incurred Claim Ratio | 75.45% | 70.53% |
| Claim Settlement Ratio (No.) | 93.07% | 87.17% |
| Claim Settlement Ratio (Value) | 66.77% | 84.62% |
| Claim Rejection Ratio | 6.24% | 11.32% |
| Cashless Hospitals | 26,000+ | 14,000+ |
| Affordability | NA | Expensive |
| Plan Type | Individual | Individual |