ManipalCigna Health Insurance has introduced its new Sarvah range of health insurance plans, aimed at providing affordable and inclusive healthcare coverage for India’s “missing middle” population. According to a NITI Aayog report, approximately 35-40 crore individuals in India remain without any form of health insurance, highlighting the need for financial protection against rising healthcare costs. The Sarvah plans are specifically designed to bridge this gap and offer tailored solutions for better access to healthcare.
A Plan for Every Need
The Sarvah range includes three distinct plans:
- Sarvah Pratham: This plan is an affordable option covering critical illnesses such as cancer, heart disease, and major organ transplants. It offers a maximum coverage of Rs 3 crore and includes an optional benefit that covers pre-existing conditions like diabetes and hypertension starting from day 31.
- Sarvah Uttam: This personalized health insurance plan offers infinite coverage under the Anant option for major health challenges. It also provides customizable coverage and includes the Sarathi benefit, which offers pre-existing condition coverage starting from day 31.
- Sarvah Param: This plan is designed for individuals with pre-existing conditions, offering immediate coverage from Day 1 with no waiting period. The Gullak Advantage increases the sum insured by 100% annually, up to a maximum of 1,000% of the base sum insured.
Additional Benefits
All Sarvah plans come with comprehensive coverage and additional features:
- In-patient hospitalization for modern treatments.
- Pre-hospitalization coverage of up to 90 days and post-hospitalization coverage of up to 180 days.
- Unlimited tele-consultations with general physicians.
- Personal accident cover of up to Rs 3 crore.
- Rewards for participating in health programs under the Healthy Life Management Program.
Prasun Sikdar, Managing Director and CEO of ManipalCigna, highlighted the company’s mission to align with the Government’s vision of achieving “Insurance for All by 2047.” He emphasized the importance of features such as the Anant Benefit, which provides unlimited coverage for four major organ illnesses, and the Gullak Advantage, which guarantees up to 1,000% of the sum insured, ensuring long-term protection and financial security.
Discounts and Incentives
ManipalCigna is offering a variety of discounts under the Sarvah plans, including:
- 2.5% discount for early renewals.
- 5% discount on first policy renewals for Sarvah Pratham and Sarvah Uttam.
- 10% family discount for covering two or more family members.
With the Sarvah range, ManipalCigna aims to empower individuals and families across India by making quality healthcare coverage accessible and affordable for all.
Key Points to Remember:
- ManipalCigna launches Sarvah plans to cover India’s uninsured “missing middle.”
- Sarvah range includes three plans: Sarvah Pratham, Sarvah Uttam, and Sarvah Param.
- Coverage includes critical illnesses, pre-existing conditions, and customizable options.
- Plans offer additional benefits like tele-consultations, personal accident cover, and hospitalization coverage.
- Discounts available for early renewals and family members.
