ManipalCigna
Sarvah (Uttam)
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 (Uttam) 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 (Add-on)).
- Modern treatment procedures are covered.
- Day-care procedures are included in coverage.
Cons
- Co-pay applies on claims.
- Room rent has a cap, which may increase out-of-pocket costs.
- Disease-wise sub-limits apply on select treatments.
Key Features
Room Rent
Capped
Co-Pay
Yes
Disease Sub-limit
Yes
Pre-Hospitalisation
Not specified
Post-Hospitalisation
Not specified
Refill Trigger
Partial exhaustion of Sum Insured
Waiting Periods
Initial Waiting Period
Not specified
Specific Disease Waiting
Not specified
Pre-existing Disease Waiting
3