Introduction
Health emergencies don’t wait. So why should your insurance? That’s the pitch behind the Manipal Cigna SARVAH Param Plan, a newly launched health insurance product that promises zero waiting period, growing coverage, and instant protection. But does it live up to the hype? Let’s break it down.
Understanding the Basics
ManipalCigna Health Insurance is a joint venture between the Manipal Group and Cigna Corporation, a global health services leader. Known for innovation and customer-centric products, their Manipal Cigna SARVAH Param Plan offers instant, comprehensive, and evolving health protection with flexible features.
Key Highlights at a Glance
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✅ Tatkal Benefit – Absolutely no waiting period for coverage to start.
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✅ Gullak Benefit – Guaranteed 100% increase in Sum Insured every year.
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✅ Unlimited Restoration – Refill your coverage as many times as needed.
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✅ No Zonal Co-pay – Get treated anywhere in India without extra costs.
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✅ Surplus Benefit – 100% extra sum insured for your first claim every year.
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✅ Air Ambulance Cover – Upto ₹10 Lakhs on top of base coverage.
Tatkal Benefit – Say Goodbye to Waiting
Imagine falling ill a week after purchasing a policy, only to be told it doesn’t kick in yet. With Tatkal Benefit, that frustration is history.
How it works: You’re covered from the day your policy is active—there are no 30-day, disease-specific, or pre-existing waiting periods.
Why it matters: Time-sensitive illnesses or surgeries can’t wait. This benefit can be a literal lifesaver.
Gullak Advantage – Let Your Coverage Grow
If you start with ₹10 Lakhs Sum Insured, by the 10th year, you’re covered for ₹1.1 Crore—all guaranteed!
It works like a piggy bank (Gullak) where your insurance grows regardless of claims.
Here’s the breakdown:
| Policy Year | Sum Insured (with Gullak) |
|---|---|
| Year 1 | ₹10 L |
| Year 5 | ₹50 L |
| Year 10 | ₹1.1 Cr |
Now that’s what we call inflation-proof!
Restoration Benefit – Because One Claim Isn’t Enough
Most policies allow restoration of Sum Insured once per year. Manipal Cigna SARVAH Param Plan goes above and beyond.
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Unlimited restoration
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Applies to both related and unrelated illnesses
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Useful for multiple hospitalizations in the same year
Important caveat: Restoration doesn’t apply to the first claim.
Comprehensive Coverage Details
In-Patient & Day Care Treatment
Manipal Cigna SARVAH Param Plan covers all types of hospitalization expenses, including modern treatments, HIV/AIDS, mental illness, and advanced procedures. All Day Care procedures are included up to the full Sum Insured.
Pre & Post Hospitalization
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90 days before hospitalization
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180 days after discharge
That’s among the best in class by Manipal Cigna SARVAH Param Plan.
AYUSH & Mental Illness Coverage
Coverage includes:
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AYUSH Treatments – Ayurveda, Yoga, Unani, Siddha, and Homeopathy
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Mental Illness – A significant inclusion as mental health gains awareness
Domiciliary & Donor Expenses
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Home-based hospitalization? Covered.
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Donor screening, complications post-transplant? Covered.
No hidden clauses—just straight-up support.
Optional and Value-Added Covers
Personal Accident Cover (Up to ₹3 Cr)
Covers up to ₹3 Crores in case of accidental death or permanent disability. If you’re a frequent traveler or have a risky job, this is gold.
Surplus Benefit – Double Coverage on First Claim
From Day 1, get an additional 100% of base Sum Insured for your first claim every year. So, if you’ve opted for ₹10 Lakh coverage, your first eligible claim can go up to ₹20 Lakh!
Temporary Total Disablement Cover
Get weekly payouts (₹5K–₹1L per week) if you’re temporarily disabled due to an accident. Up to 100 weeks supported!
Room Rent Modification & Non-Medical Items
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Choose any room type with optional upgrade
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Non-medical items and medical equipment are covered (up to ₹1L)
Wellness and Discounts:
Wellness Rewards
Walk more, stay fit, and earn up to 20% premium discounts through their Healthy Life Management Program provided through Manipal Cigna SARVAH Param Plan.
Early Renewal and Online Discounts
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2.5% off for renewing early or opting for standing instructions.
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5% off if you buy directly from the website.
Long-Term and Family Discounts
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7.5% for 2-year and 10% for 3-year policies (single premium)
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10% off for family or multi-individual covers
Flexibility and Customization
Manipal Cigna SARVAH Param Plan provides flexibility as below:
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Sum Insured options: ₹5L to ₹3Cr
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Room choices: Private AC, Twin Sharing, ICU fully covered
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Voluntary co-pay options: 10%, 20%, 30%
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Deductible options: Per day or aggregate
It’s practically a build-your-own-insurance model.
Digital-First Experience
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ePolicy issuance
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24×7 teleconsultation
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Paperless claims via myManipalCigna app
Tech-friendly and hassle-free.
Who Should Consider This Plan?
✅ Young adults who want instant coverage
✅ Families looking for comprehensive, long-term protection
✅ Frequent travelers and business owners
✅ People with pre-existing conditions (thanks to zero waiting)
Limitations to Consider
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Surplus Benefit applies only to first claim per year
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Restoration kicks in only after first claim
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Optional covers increase premiums
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Tatkal benefit might be an extra cost in some cases
Final Verdict
The Manipal Cigna SARVAH Param Plan is a powerhouse of features, ideal for those who hate waiting and want their health insurance to grow and evolve with them. From zero waiting periods to massive coverage growth through Gullak, it’s the kind of product that redefines health insurance.
If you’re looking for a modern, flexible, all-round policy that offers peace of mind from Day 1, this plan is a top contender.
Conclusion
Health insurance is no longer just about being covered—it’s about being covered well and instantly. The SARVAH Param Plan from ManipalCigna checks almost every box: instant activation, massive bonus accruals, zero compromises on modern and traditional treatments, and future-ready flexibility. It’s a plan that doesn’t just care for your health today, but sets you up for a healthier, wealthier tomorrow.
FAQs
1. What is the entry age for SARVAH Param?
Adults: 18+ years (no upper limit), Children: 91 days to 30 years (floater).
2. Can I get coverage for AYUSH treatments?
Yes, full Sum Insured coverage for Ayurveda, Yoga, Unani, Siddha, and Homeopathy is included.
3. What if I have a pre-existing condition?
No waiting period! You’re covered from Day 1 under Tatkal Benefit.
4. How does the Gullak Bonus really work?
Your Sum Insured doubles each year, up to 10 times your base amount, guaranteed—even if you make claims.
5. Is it suitable for senior citizens?
Absolutely. No age limit + comprehensive and instant coverage = senior-friendly.
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