About ManipalCigna Sarvah Param Plan
ManipalCigna Sarvah Param is the first in the industry to offer comprehensive medical coverage with zero waiting period under the Tatkal benefit. However, it does come with an option to activate the initial waiting period and the specific disease/procedure waiting period in the policy with the Pratiksha benefit. Besides, it doubles your coverage amount for the first claim every policy year with the Surplus benefit.
ManipalCigna Sarvah Param Plan: Key Highlights
| Categories | Specifications |
|---|---|
| Sum Insured | ₹5 lakh to ₹3 crore |
| Pre-Policy Medical Check-ups | 25 months, 36 months |
| Pre-existing Diseases Waiting Period | Zero waiting period |
| Discount | 10% family discount Up to 10% long-term policy discount 5% website discount 2.5% standing instruction discount 2.5% early renewal discount |
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Key Benefits of ManipalCigna Sarvah Param Plan
ManipalCigna Sarvah Param Plan Inclusions, Exclusions & Optional Covers
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In-patient HospitalizationIt pays for the healthcare expenses incurred on getting admitted to a hospital, including room charges, nursing fees, doctor's charges, operation theatre charges, etc.
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Mental Illness TreatmentIt covers the hospitalization costs incurred during the treatment of a mental illness.
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HIV/AIDS and STD CoverIt pays for the cost of availing in-patient treatment for HIV/AIDS and sexually transmitted diseases (STD).
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Modern and Advanced TreatmentsIt covers the medical costs incurred on obtaining 12 modern treatments, including robotic surgeries, stem cell therapy, immunotherapy, oral chemotherapy, etc.
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Day Care TreatmentIt pays for the cost of all day care treatments availed by the insured that do not require 24 hours of hospitalization.
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Road Ambulance ExpensesIt covers the road ambulance charges incurred to transport the insured to the nearest hospital during an emergency.
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Maternity expenses
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OPD expenses
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Treatments obtained outside India
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Sterility and infertility
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Obesity and weight-control procedures
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Treatment for alcohol or drug addiction
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Surplus BenefitIt doubles the policy sum insured from day 1 for the first health insurance claim every year.
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PratikshaIt activates a 2-year specific disease/procedure waiting period and an initial waiting period of 30 days, which is not otherwise applicable to the policy.
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Personal Accident CoverIt pays 200% of the sum insured as compensation if an accident of the insured in a common carrier results in the death or permanent total disability of the insured.
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Temporary Total Disablement (TTD)It provides a fixed amount for up to 100 weeks in case the insured meets with an accident leading to temporary total disability.
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Air AmbulanceIt covers the cost of availing air ambulance services to transport the insured to and from a hospital during a medical emergency.
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Room Rent ModificationIt enables the insured to modify the hospital room type from a single private AC room to a twin-sharing AC room or to any room.
In case of emergency we are just a call away. Take care of your family, we will do the rest. Our claim specialists will reach your location & complete the formalties from filing the claim to documentation to coordinating with insurer, TPA & hospital. Available in New Delhi and 114+ cities View cities list ›Policybazaar Claim Process
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ManipalCigna Sarvah Param Plan: FAQs
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Q1. Is there a waiting period for ManipalCigna Sarvah Param?
Ans: No. There is no waiting period under the ManipalCigna Sarvah Param plan. However, you can activate the initial waiting period and the specific disease/procedure waiting period by opting for the Pratiksha benefit.
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Q2. What is zero waiting period in ManipalCigna?
Ans: The ManipalCigna Sarvah Param plan comes with zero waiting period as part of the Tatkal benefit, allowing policyholders to claim PED or non-PED claims from day 1 of the policy.
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Q3. Is there any zone-based co-payment in the ManipalCigna Sarvah Param plan?
Ans: No, there is no zone-based co-payment under the Manipal Sarvah Param plan. However, you can opt for a voluntary co-payment of 10%, 20% or 30% by paying an additional premium.
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Q. What is the advantage of selecting a policy with a duration of more than 1 year?
Ans: If one buys Aditya Birla Health Insurance for more than a year, one can save 7.5 % and 10% on the 2 and 3 years premium, respectively.
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Q. How is an Individual cover different from a Floater cover?
Ans: In an Individual cover, coverage is offered to each individual in the family separately. In a Family Floater health insurance plan, each family member is covered based on a floater sum insured.
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Q. How is an Individual cover different from a Floater cover?
Ans: In an Individual cover, coverage is offered to each individual in the family separately. In a Family Floater health insurance plan, each family member is covered based on a floater sum insured.
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Q. What is a waiver of a mandatory co-pay cover?
Ans: This benefit is covered on payment of an additional premium. Therefore, any mandatory co-payment that is applicable under the Aditya Birla Activ Health Essential Plan will be waived off.
ManipalCigna offers two types of claim settlements – cashless and reimbursement. Follow the steps to raise a claim:
- Find the nearest network hospital of ManipalCigna
- Get admitted to the hospital
- Notify the insurance company about the hospitalization
- In case of pre-planned hospitalization, intimate the insurer before hospital admission.
- Fill up the pre-authorization form and submit it to the hospital staff
- The pre-authorization form will be sent to ManipalCigna for approval.
- Once approved, obtain medical treatment.
- At the time of discharge, sign all the medical documents.
- Pay for the items/services not covered under the ManipalCigna policy
- The network hospital will send the hospital bill to ManipalCigna.
- After review, the insurance company will pay the bill amount directly to the network hospital.
- Inform the insurance company about the hospitalization
- In case of planned hospitalization, notify the insurer before hospital admission.
- Receive medical treatment
- At the time of discharge, pay the entire hospital bill in full.
- Collect all the medical documents, bills and payment receipts
Our Claim specialists in below cities will reach your hospital or home in 30 minutes to support your health insurance claim
