Policy review · ManipalCigna
Sarvah (Pratham)
ManipalCigna's individual / family floater plan, reviewed on the clauses that actually decide your claim — room rent, co-pay, sub-limits, waiting periods and the insurer's claims record.
InsuranceScope score
3.9
★★★★☆
The verdict
Sarvah (Pratham) is an individual / family floater health insurance plan from ManipalCigna. It stands out for no room-rent cap, built-in restoration and modern-treatment cover. On the downside, a co-payment applies to claims — worth weighing before you buy. On the insurer side, it reports 93.07% of claims settled by count and a 26,000+ cashless hospital network.
Where it wins
No room-rent cap — you can be admitted to any room category without a proportionate deduction on the rest of your bill.Standout
Restoration is included — the sum insured refills unlimited times in a policy year, triggered on partial exhaustion of sum insured, for a related and unrelated illness.
Cover grows by 100% for each claim-free year, up to 1000% of the base sum insured.
Modern treatments such as robotic surgery and other advanced procedures are covered, usually up to a specified limit.
Day-care procedures that take under 24 hours — cataract, dialysis, chemotherapy and similar — are covered.
Consumables like gloves, syringes and PPE are paid rather than deducted from your claim at discharge.
Where it stings
A co-payment applies — you pay a fixed share of every claim out of pocket; check the exact percentage in the policy wording.
Disease-wise sub-limits apply — some treatments are capped below your sum insured, so verify the caps for conditions like cataract or joint replacement.
Waiting periods
No cover in this window except for accidental hospitalisation.
Named conditions such as cataract, hernia and joint replacements wait this long.
Conditions you already have are covered only after this period.
Claims snapshot
ManipalCigna, latest IRDAI disclosure year — how the insurer behind the plan actually performs.
Approved by number of claims.
Claims paid vs premium collected.
How quickly claims are paid.
On overall claims — lower is better.
Key features
No limit — you can pick any room category without a proportionate cut on the rest of your bill.
No separate cap on ICU charges.
Applies — you share part of each claim (true).
Applies — certain treatments are capped below the sum insured.
The sum insured refills unlimited times in a policy year, triggered on partial exhaustion of sum insured, for a related and unrelated illness.
Cover grows by 100% for each claim-free year, up to 1000% of the base sum insured.
Pre-hospitalisation 90 days and post-hospitalisation 180 days of connected medical costs are covered.
Procedures under 24 hours, such as cataract and dialysis, are covered.
Advanced procedures like robotic and laser surgery are covered, usually up to a limit.
Non-medical items like gloves, syringes and PPE are paid, not deducted.
Donor hospitalisation costs are covered (No).
At-home treatment is covered when hospital admission is not possible.
Common exclusions
Typical across most Indian health plans — always confirm the exact exclusions in Sarvah (Pratham)'s policy wording.
Cosmetic or aesthetic treatment, unless needed to reconstruct after an accident or burns.
Self-inflicted injuries and conditions arising from alcohol or substance abuse.
Treatment arising from war, nuclear or allied perils.
Admissions purely for investigation, evaluation or bed rest with no active treatment.
Unproven or experimental treatments not backed by established medical practice.
Frequently asked questions
Yes. Sarvah (Pratham) has a co-payment clause, so you pay a share of every claim. Check the exact percentage in the policy wording.
No. Sarvah (Pratham) has no room rent cap for standard hospitalisation, so you can choose any room without a proportionate cut.
3. Claims for conditions you already had are covered only after this waiting period.
Yes. Sarvah (Pratham) refills the sum insured after it is exhausted (unlimited times in a policy year).
Yes. Sarvah (Pratham) covers day care procedures that take under 24 hours, such as cataract surgery or dialysis.
26,000+ cashless network hospitals are reported for Sarvah (Pratham), where the insurer settles bills directly.
Yes. Sarvah (Pratham) covers modern treatments such as robotic surgery, usually up to a specified limit.