Health insurance often feels complex, but ManipalCigna Sarvah has changed that story. With features that grow with you, activate the moment you need them, and reset without limits, Sarvah is designed to fit seamlessly into every Indian medical needs.

In 2025, this unique approach earned Sarvah the recognition of being voted Product of the Year in Health Insurance by NielsenIQ – people of India voted for Sarvah and trusted the product built by experts.

It’s 1 product, with 3 powerful plans, packed with features, and priced for Bharat. Let’s unpack what makes this award-winning product the health safety net India truly deserves.

One Journey, Three Lanes. Choose Yours!

No two people are alike, and neither are their health needs. That’s why Sarvah offers three well-crafted plans that let you choose what suits your lifestyle, life stage and health goals.

Sarvah Pratham – Essential Critical-Illness Plan

Think of this as the foundation—a smart starting point for anyone looking to get protected without overcommitting. It covers from the 4 critical health conditions that Indians face most often:
Heart disease, cancer, stroke, and major organ/bone marrow transplants.

With coverage up to ₹3 Cr, Sarvah Pratham is built for essential protection—especially if you’re adding it as a top-up to an existing comprehensive plan. It also includes:

• 30-day initial waiting period
• 36 months for pre-existing diseases
• Surplus Benefit^(1f) – Get additional 100% of your sum insured for 1^st claim in each policy year
• Sarathi Benefit^(1c) – Optional cover that reduces the waiting period from 36 months to 30 days for any hospitalization related to above listed conditions arising from the Asthma, Diabetes, Dyslipidemia, Obesity & Hypertension.
• Personal Accident cover^(1g) up to ₹3 Cr

Perfect for first-time buyers or those looking to strengthen their health portfolio. It starts with a base premium of ₹433*/- per annum.

Sarvah Uttam – The Comprehensive Plan

This one’s the all-rounder. If you want a policy that covers just about everything—this is it. Sarvah Uttam is a complete hospitalization cover that includes:

• In-patient care
• Daycare procedures
• Domiciliary and AYUSH treatments
• Donor costs, ambulance, mental illness, advanced treatments and more

But the real magic begins with these upgrades:

• Anant Benefit^(1h)– Get unlimited sum insured for major illnesses if your base SI is ₹10L or more
• Gullak Advantage^(1b) – 100% growth of your sum insured every year, up to 10x of base amount
• Unlimited Restoration^(1e) – Your sum insured resets every time you use it
• Maternity benefit^(1d) - 20% of SI, max up to 5 lacs
• Teleconsultation, annual health check-ups^ & wellness rewards
• Personal Accident^(1g) cover up to ₹3 Cr

Sarvah Uttam is ideal for families and individuals who want no compromise when it comes to their health and future protection. It starts with a base premium of ₹4,842*/- per annum.

Sarvah Param – Instant Coverage, Zero Waiting(1i), Maximum Peace

Need health coverage from day one? Sarvah Param is your go-to plan. Built for speed, simplicity, and instant protection, this plan is tailor-made for those switching from another insurer or needing immediate coverage.

The game-changer? Tatkal Benefit⁽¹ⁱ⁾ —zero waiting period for all conditions. Coverage begins from Day 1.

But that’s just the beginning. You also get:

• Gullak Benefit^(1b) – Sum insured grows 100% every year, up to 10x of base amount
• Unlimited Restoration^(1e) – Never worry about running out of coverage
• Surplus Benefit^(1f) – Get additional 100% of your sum insured for 1^st claim in each policy year
• Annual Health Check-ups, teleconsultations, Wellness Rewards, NME & DME Cover^, and Air Ambulance^
• Personal Accident cover^(1g) up to ₹3 Cr
• Zero zonal co-pay – Get treated anywhere, without extra charges

Param is perfect for those who want peace of mind now, not after a 2- or 3-year wait. It starts with a base premium of ₹7,668*/- per annum.

6 Smart Powers That Sarvah Gives You

Apart from Zero zonal co-pay which lets you get treated in any city without worrying about cost differences. Maternity cover up to ₹5L, up to 40% discount on your policy, wellness rewards, teleconsultation, annual health check-up, and more, Sarvah gives you 6 other smart powers to maintain your finances and peace of mind:

✅ 1. Anant Benefit^(1h)

Unlimited coverage for the major illnesses—because life-threatening situations shouldn’t come with financial limits.

✅ 2. Gullak Advantage^(1b)

Sum insured grows 100% annually, even if you make a claim. It’s like your health plan has its own savings account.

✅ 3. Tatkal Benefit⁽¹ⁱ⁾

Zero waiting time for pre-existing conditions—get full protection from Day 1.

✅ 4. Surplus Benefit^(1f)

First claim of the year triggers with surplus get an additional 100% of the Sum insured—just like a health reboot button.

✅ 5. ₹3 Cr Accident Cover^(1g)

Across all Sarvah plans, get personal accident cover up to ₹3 Cr—because some emergencies deserve superhero-level safety.

✅ 6. Sarathi Benefit^(1c)

Get your waiting period reduced to 30 days from usual 36 months, covering listed conditions arising from asthma, diabetes, hypertension, dyslipidemia, and obesity

Why settle for less when you can choose India’s voted Product of the Year. Visit manipalcigna.com and bring home the health insurance that truly has it all.

Disclaimers

ManipalCigna Sarvah Voted as Product of the year, Winner Health Insurance Category . Survey of 1800 people by NeilsonIQ across categories.

Benefits marked with superscripts are subject to specific terms and conditions below:

(1a)- Major Illnesses : Major Illnesses are Heart Conditions, Cancer, Stroke, Major Organ and Bone Marrow Transplant

(1b)- Gullak Benefit: Gullak Benefit is available as optional cover with ManipalCigna Sarvah (Pratham and Uttam) at an additional cost and as base cover with ManipalCigna Sarvah Param

(1c)- Sarathi Benefit: Any condition or illness, complication or ailment related to Cancer, Heart, Stroke & Major Organ/Bone Marrow Transplant (in Pratham plan as an optional cover) or any condition or illness, complication or ailment (in Uttam plan as an optional cover) arising out of Asthma/ Diabetes/ Dyslipidaemia/ Obesity/ Hypertension declared and accepted as a part of Pre-existing disease will be covered from 31st day from policy inception at an additional cost.

(1d)Maternity Benefit: Get 20% coverage of the sum insured maximum up to 5Lacs over and above the sum insured. This benefit is available as an optional cover with ManipalCigna Sarvah Uttam at an additional cost.

(1e) Restoration of Sum Insured: Available as base cover in ManipalCigna Sarvah Param, and as optional covers in Uttam & Pratham plans at an additional cost.

(1f)Surplus Benefit: Get 100% refill on your 1st claim. Available as optional covers in Sarvah Pratham, Uttam & Sarvah Param at an additional cost<.

(1g)Personal Accidental Cover: Get a fixed benefit coverage up to Rs 3cr, available as optional covers in Sarvah Pratham, Uttam & Sarvah Param at an additional cost.

(1h)Anant Benefit: Get unlimited sum insured for major illnesses- Heart, Cancer, Stroke and major organ/ bone marrow transplant. Available only with ManipalCigna Sarvah Uttam at an additional cost.

(1i)Tatkal Benefit- Zero waiting period. Available only in ManipalCigna Sarvah Param.