Manipal Cigna Health Insurance offers a health insurance plan called ManipalCigna Sarvah (Param). The plan is intended to shield you against unforeseen medical costs that could otherwise be an overwhelming financial hardship. With this plan, you can make sure that you and your family get the medical treatment you need without having to worry about the expense.

The ManipalCigna Sarvah (Param) Plan is a robust, comprehensive choice that offers a variety of benefits and features to meet your medical requirements. It ensures immediate coverage and enables you to obtain medical services from the first day of the policy.

One of the best things about this plan is that it has no waiting period, so you can start using your coverage from Day 1. In addition to hospitalization-related expenditures, it covers an extensive range of expenses, such as consumables, durable medical equipment, mental health costs, etc.

There are some limitations to take into account, though. In comparison to other market options, the plan is typically higher in price. You will also have to pay an additional fee if you want to avoid the room rent limitations. It's also important to remember that studies show the insurer has received more complaints about policy purchases and claim settlements, which may signal issues with customer service and claims handling.

What are the benefits offered by ManipalCigna Sarvah (Param) Plan?

Inpatient hospitalisation coverage: Inpatient hospitalization coverage typically applies when a patient is required to stay in the hospital for over 24 hours. In such cases, the plan covers various expenses, including hospital room charges, nursing care, doctor consultations, prescribed medications, ICU costs, and other medically necessary treatments. The ManipalCigna Sarvah (Param) Plan offers comprehensive coverage for inpatient hospitalization expenses, with no limit on ICU charges. Additionally, the room rent is capped at a single private AC room rate, ensuring a comfortable stay during treatment.
Pre-Hospitalization Coverage: Essential charges like consultations, laboratory testing, and medical reports are commonly covered by the insurance company even before a patient is admitted to the hospital. Your insurance plan will only pay for these costs if they are directly related to the condition that caused you to be admitted to the hospital and if your claim for inpatient hospitalisation has been approved. You can be confident that, up to 90 days before admission, pre-hospitalization expenses will be covered by the ManipalCigna Sarvah (Param) Plan, provided they fall within the sum insured.
Post-Hospitalization Coverage: Post-hospitalization coverage is essential for maintaining ongoing care because recovery continues even after discharge. This covers required consultations, prescribed drugs, and routine check-ups. In order to be covered, these costs need to be clearly related to your hospital stay and supported by your claim for inpatient hospitalisation. Within the sum insured, the ManipalCigna Sarvah (Param) Plan offers comprehensive post-hospitalization coverage for up to 180 days following discharge, assuring continuous assistance during your recuperation process. Remember that pre- and post-hospitalization expenses under Domiciliary Treatment and Organ Donor coverage will be included, but only for a period of 30 days.
Daycare Treatment Coverage: Because of technological advancements, surgeries and procedures that once needed lengthy hospital stays are now achievable in a day. We call these daycare treatments. Financial ease for such treatments is provided by the ManipalCigna Sarvah (Param) Plan, which promises complete coverage for all daycare treatments up to the sum insured.
Domiciliary Treatment Coverage: When a patient needs immediate medical attention at home - either because hospital beds are unavailable or because their condition makes hospital transportation unsafe, domiciliary treatment becomes imperative. The ManipalCigna Sarvah (Param) Plan provides flexibility and help in such circumstances by covering all domiciliary treatment costs up to the sum insured. It's key to remember that 13 specific illnesses are not covered by the plan.
Organ Donor Coverage: Organ transplants can be life-saving, and the associated expenses shouldn’t be a barrier. The ManipalCigna Sarvah (Param) Plan extends its support by covering the inpatient costs incurred by the organ donor for the transplantation procedure, up to the sum insured, ensuring financial relief during such critical times. Complications arising from organ harvesting, whether occurring during hospitalization or within 30 days of the donor's discharge, will be covered as an additional benefit beyond the overall coverage limit. Also, expenses related to donor screening will be covered once per policy year, provided the transplant is successful.
Modern Treatment Coverage: Breakthroughs in medical technology have revolutionized healthcare, making conditions once deemed untreatable now manageable through advanced techniques like robotic surgeries, radiosurgeries,stem cell therapies, etc. The ManipalCigna Sarvah (Param) Plan is designed to keep pace with these innovations, providing extensive coverage for modern treatments with no financial caps. This coverage is applicable up to the sum insured, empowering you to access cutting-edge care without worry.
Non-Medical Expenses Coverage: Healthcare costs aren’t limited to medical treatments alone. Non-medical items like vaccinations, gloves, nebulization kits, oxygen masks, medical footwear, urine bags, hospital gowns and more can also add up. With the ManipalCigna Sarvah (Param) Plan, these consumable expenses are covered up to the sum insured, offering additional financial ease. However, it’s important to note that this benefit is available as an optional add-on.
No Claim Bonus: As a reward for staying claim-free during a policy period, the No Claim Bonus provides added value to your coverage. With the ManipalCigna Sarvah (Param) Plan, this bonus can increase up to an impressive 1000% of the sum insured, with 100% annual bonus for each claim-free year. Even in the event of a claim, the bonus accumulated remains unaffected, ensuring consistent benefits over time. The No Claim Bonus benefit will be granted regardless of the number of claims filed under the expiring policy.
Super No Claim Bonus: The Super No Claim Bonus is an enhanced version of the standard No Claim Bonus. Nevertheless it is worth noting that the ManipalCigna Sarvah (Param) Plan does not include provisions for this feature.
Restoration Benefit: Unexpected medical expenses can quickly deplete your coverage, but the restoration benefit ensures you’re never left unprotected. The ManipalCigna Sarvah (Param) Plan stands out with its unlimited refill benefit, allowing you to restore your coverage multiple times within a policy year. This feature is activated for subsequent claims when the Sum Insured and No Claim Bonus are partially used up. It applies to both related and unrelated illnesses, providing robust and all-encompassing protection for any situation.

Please keep in mind that the limitations and prerequisites listed in the benefits above only apply to a Rs. 10 lakh sum insured.

ManipalCigna Sarvah (Param) Plan: Financial Limits

Room Rent Limit: The room rent limit determines the maximum amount your insurance will cover for hospital room charges. Staying within this limit ensures you won’t face any out-of-pocket expenses for room costs. However, opting for a room beyond the limit can lead to proportionate deductions from all related treatment expenses, and not just the difference in room rent. With the ManipalCigna Sarvah (Param) Plan, you have the flexibility to choose any room when this benefit is selected as an add-on, giving you greater control over your comfort during hospitalization.
ICU Rent Limit: The ICU rent limit defines the maximum coverage for your stay in the hospital’s intensive care unit. With the ManipalCigna Sarvah (Param) Plan, there’s no cap on ICU rent charges. This means the full cost of your ICU stay is covered, up to the sum insured, providing comprehensive financial protection for critical care needs.
Copayment: A copayment, or copay, refers to the portion of the approved claim amount that you need to pay out of pocket. Once you’ve made your payment, the insurer takes care of the remaining eligible expenses. With the ManipalCigna Sarvah (Param) Plan, you have the flexibility to choose a copayment option of 10%, 20%, or 30%.
Deductible: The deductible is the amount you are required to pay upfront for medical expenses before your insurance coverage kicks in. The ManipalCigna Sarvah (Param) Plan offers two deductible options for added flexibility. Option 1 includes deductible amounts ranging from Rs. 10K/25K/50K/1L/2L/3L/4L/5L/10L, while Option 2 offers a choice to pick a per-day hospitalization deductible of Rs. 1K/2K/3K/4K/5K. These choices allow you to customize your plan based on your specific financial preferences and healthcare needs.
Limits on Surgeries/Treatments: When evaluating your health insurance policy, it’s essential to understand any limits placed on surgeries or treatments. These limits specify the maximum coverage available for certain medical procedures, which can vary significantly across plans. While some policies impose strict caps, others offer greater flexibility, ensuring broader coverage for critical treatments. Being aware of these details can help you plan better and avoid unexpected out-of-pocket expenses. Under the ManipalCigna Sarvah (Param) Plan, joint replacement surgeries and cataract treatments are covered up to the sum insured, providing extensive support for these procedures.

Please note that the mentioned financial limits are based on a 30-year-old individual in Zone 1 with a sum insured of Rs. 10 Lakhs.

ManipalCigna Sarvah (Param) Plan: Waiting Periods & Exclusions

👉Waiting period

A waiting period refers to the time frame after purchasing a health insurance policy during which certain medical conditions and treatments are not covered. Claims for these conditions can only be made once the waiting period is over. It’s important to note that waiting period durations vary between insurance providers. Here’s a breakdown of the types of waiting periods:

Initial Waiting Period: This applies to all medical conditions except accidents and lasts for 30 days. During this period, claims for hospital stays related to illnesses cannot be made, although accidents are covered from day one.
Waiting Period for Pre-Existing Conditions: A pre-existing condition refers to any illness or health issue that you’ve experienced in the 36 months prior to purchasing health insurance. The standout feature of the ManipalCigna Sarvah (Param) Plan is that there is no waiting period for pre-existing conditions. This means you can claim expenses for these conditions from the start of the policy.
Waiting Period for Specific Diseases: Insurers may also assign waiting periods for certain specific conditions, independent of your medical history. These waiting periods are predetermined by the insurer and do not depend on your current health. Under the ManipalCigna Sarvah (Param) Plan, there is no waiting period for specific diseases, unless you opt for an add-on, in which case a 24-month waiting period applies.

👉Exclusions

In health insurance policies, exclusions refer to specific medical conditions or situations that are not covered. It’s crucial to understand these exclusions, as they outline the circumstances where the policy won’t provide financial protection. Below are some examples of common exclusions:

Standard Permanent Exclusions:

These exclusions are mandated by the Insurance Regulatory and Development Authority of India (IRDAI) and must be adhered to by all insurers. Some of the standard permanent exclusions include:

Evaluation and Investigation: Hospitalization for mere observation or monitoring without active treatment or surgery.
Rest, Rehabilitation, and Respite Care: Treatments that focus on rest and rehabilitation, but do not involve active medical procedures or surgeries.
Obesity/Weight Control: Surgical or medical treatments aimed at weight loss or controlling obesity.
Gender Reassignment: Medical procedures related to gender transition or changing gender identity.
Plastic/Cosmetic Surgery: Surgeries or treatments intended solely for aesthetic enhancement or modification of physical appearance.
Profession in Adventure or Hazardous Sports: Medical costs incurred due to participation in professional, high-risk activities like mountaineering, river rafting, scuba diving, and other adventure sports.
Breach of Law: Treatment costs for individuals who have been involved in criminal acts or have attempted them.
Excluded Providers: Expenses for treatment received from healthcare providers or hospitals not covered by the insurance network.
Narcotics: Treatment for substance abuse disorders, including addiction to alcohol, drugs, and other substances.
Treatments in Establishments for Domestic Purposes: Costs associated with treatments in nursing homes or facilities primarily intended for non-medical, domestic care.
Dietary Supplements: Products like vitamins, minerals, and other supplements purchased without a prescription.
Refractive Error: Costs related to treating refractive vision issues (up to 7.5 diopters) to improve eyesight.
Unproven Treatments: Medical procedures or treatments that have not been scientifically proven or are considered ineffective.
Sterility, Birth Control, and Infertility: Expenses related to contraception, sterilization, artificial insemination, or advanced reproductive treatments like IVF, GIFT, ZIFT, ICSI, and gestational surrogacy.
Maternity Expenses: Costs for prenatal and postnatal care, as well as hospitalization expenses related to childbirth.

Understanding these exclusions is vital for managing your health insurance and ensuring there are no surprises when seeking coverage.

Additional Permanent Exclusions: Beyond the standard permanent exclusions, insurance providers may also exclude certain medical conditions or circumstances from coverage. In some cases, particularly with serious or high-risk medical conditions, the insurer might permanently exclude them from the policy due to the perceived risks involved.

However, it's important to note that health insurers are bound by a specific list of illnesses for which they can apply permanent exclusions, as outlined by the Insurance Regulatory and Development Authority of India (IRDAI). This ensures that insurers cannot arbitrarily exclude any other conditions beyond the defined list. These regulations offer peace of mind, knowing that insurers must adhere to strict guidelines, protecting customers from unexpected exclusions.

Non-Standard Exclusions (Specific Exclusions): Non-standard exclusions refer to additional exclusions that go beyond the standard permanent exclusions defined by the IRDAI. These exclusions vary from one insurer to another, depending on the specific terms and conditions of each policy. Therefore, it’s essential for policyholders to thoroughly review their insurance plan to understand any extra exclusions that may apply. Below are some key specific exclusions under the ManipalCigna Sarvah (Param) Plan:
- Circumcision: Not covered unless medically necessary due to an accident or to treat a disease.
- Multifocal Lenses: Costs associated with multifocal lenses used during cataract treatment are excluded.
- Sleep Disorder Treatments: Expenses for instruments used in the treatment of sleep disorders are not covered.
- External Birth Defects: Treatment costs related to external birth defects are excluded from coverage.
- Organ Donor and Transplant Expenses: Expenses related to organ donor screening or organ transplant surgeries involving organs not harvested from a human body are excluded.
- Non-Allopathic Treatments: Any non-allopathic treatments, including Hydrotherapy, Acupuncture, and similar methods, are not covered, except for AYUSH treatments.

These exclusions emphasize the importance of understanding the finer details of your health insurance policy to ensure you are aware of the coverage limits.

What to expect in terms of claims experience if you buy from Manipal Cigna Health Insurance Company?

Speed of Claims Settlement: ManipalCigna Health Insurance ensures a swift and efficient claims process, with 99.14% of claims being resolved in under 30 days, guaranteeing a seamless experience for policyholders.
Claim-Related Complaints: While ManipalCigna Health Insurance has a complaint rate of 0.26%, it is slightly higher compared to other insurers. Nonetheless, this remains a relatively small fraction of the total claims processed.
Claims Incurred Ratio: The claims incurred ratio is a key indicator of an insurer’s financial performance, reflecting the total claims paid out relative to premiums collected in a fiscal year. For ManipalCigna Health Insurance, this ratio stands at 63.78%, signaling a strong commitment to fulfilling claims.
Claim Settlement Ratio: The claim settlement ratio for ManipalCigna Health Insurance is 87.68%, which represents the proportion of claims settled compared to those received within a specific fiscal year.
Network Hospitals: With access to over 8,500+ hospitals, ManipalCigna Health Insurance offers an extensive network where customers can benefit from cashless treatment, eliminating the need for upfront payments and ensuring convenient access to care.

How is the customer service of Manipal Cigna Health Insurance Company?

Policy Purchase-Related Complaints: When it comes to after-sales service, ManipalCigna Health Insurance Company maintains a 0.01% complaint rate, which is notably low compared to other insurance providers, reflecting their commitment to customer satisfaction.
Response on Toll-Free: Research shows that ManipalCigna Health Insurance Company’s response time on their toll-free number is average when compared to other insurers.
Response on X (Twitter): Our analysis reveals that ManipalCigna Health Insurance Company tends to respond more slowly to inquiries on X (formerly Twitter) when compared to other insurers, highlighting an area for potential improvement in digital engagement.

About Manipal Cigna Health Insurance Company

ManipalCigna Health Insurance is a standalone health insurance provider in India, formed as a joint venture between the Manipal Group and Cigna Corporation. Established in 2012 and headquartered in Mumbai, Maharashtra, the company offers a comprehensive range of insurance products tailored to meet the varied needs of customers. These include individual insurance, family floater plans, critical illness coverage, personal accident insurance, group health insurance, and hospital cash policies, among others. Under the leadership of Mr. Prasun Sikdar, the CEO and MD, ManipalCigna continues to provide accessible health insurance solutions across the country.