ManipalCigna
Sarvah (Param)
Plan & insurer snapshot
✅ Claims (No.)
93.07%
Latest disclosed settlement ratio by number of claims.
❌ Rejection Ratio
6.24%
Lower is generally better for policyholders.
🏥 Cashless Hospitals
26,000+
Reported size of network hospitals.
💬 Complaints
0.25%
Complaint incidence on claims experience.
✨ Expert Verdict
Sarvah (Param) is a health insurance plan from ManipalCigna. Review policy wording and add-on details before final purchase.
Pros
- Refill benefit available (Unlimited times in a policy year).
- Modern treatment procedures are covered.
- Day-care procedures are included in coverage.
Cons
- Room rent has a cap, which may increase out-of-pocket costs.
- Premium positioning is on the expensive side.
Key Features
Room Rent
Capped
Co-Pay
Not specified
Disease Sub-limit
Not specified
Pre-Hospitalisation
Not specified
Post-Hospitalisation
180 days (Covered up to: 180 days following discharge, assuring continuous assistance during your recuperation process)
Refill Trigger
Partial exhaustion of Sum Insured
Waiting Periods
Initial Waiting Period
30
Specific Disease Waiting
Not specified
Pre-existing Disease Waiting
Not specified