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ManipalCigna · MCIHLIP27040V032627

ManipalCigna Sarvah Uttam

ManipalCigna Sarvah Uttam (IRDAI UIN MCIHLIP27040V032627) is an individual and family floater health insurance plan with sum insured from 5 lakh to 3 crore (10 options). Pre-existing diseases are covered after 3 years.

Premiums depend on age, cover, city, health and the options you choose. Where the insurer published a premium, the figure shown is for the exact profile stated next to it; your premium will differ. Comparezi does not sell insurance or give advice: check the insurer's prospectus and policy wording, which prevail.

In short

ManipalCigna Sarvah Uttam is a health insurance plan from ManipalCigna. Key specifications: plan type Individual and family floater, room rent Single Private AC Room; optional modification to Any room or Twin Sharing AC room, pre-existing disease waiting 36 months. Among health insurance here it fits best for longer pre- and post-hospital cover.

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Plan type
Individual and family floater
Room rent
Single Private AC Room; optional modification to Any room or Twin Sharing AC room
Pre-existing disease waiting
36 months

Pros

  • 90 days of pre-hospitalisation cover, longer than 79% of the 49 health insurance plans on Comparezi that state it
  • No co-payment unless you choose one for a lower premium
  • No room-rent cap

Who should buy it

  • Best for Longer pre- and post-hospital cover · What matters most? (pick any) #1 of 53 health insurance for this

Full specifications

Cover

Plan type Individual and family floater
Sum insured options 5 lakh, 7.5 lakh, 10 lakh, 15 lakh, 20 lakh, 25 lakh, 50 lakh, 1 crore, 2 crore, 3 crore
Highest sum insured 300 lakh
Entry age From 91 days (children); 18 years (adults) (no maximum stated)
Room rent Single Private AC Room; optional modification to Any room or Twin Sharing AC room
Co-payment None mandatory (no zonal co-pay); optional voluntary co-payment 10%/20%/30%

Waiting periods

Initial waiting period 30 days
Pre-existing disease waiting 36 months
Specific illness waiting 24 months

Benefits

Pre-hospitalisation 90 days
Post-hospitalisation 180 days
Day-care treatment Yes
AYUSH treatment Yes
Restore benefit Optional cover: multiple Restoration in a Policy Year for all illnesses or injury, related or unrelated
No-claim bonus Optional Gullak: guaranteed increase of 100% of Base Sum Insured each policy year, up to 1500%, irrespective of claims
Maternity Optional cover with 36 months waiting period
OPD Not covered (unlimited tele-consultation with network General Physician)

Insurer

Health incurred claim ratio (insurer) 74.81%
Claims figures for FY 2024-25: health incurred claim ratio including personal accident, IRDAI Annual Report (Statement 10)
IRDAI UIN MCIHLIP27040V032627

About the Sarvah Uttam

ManipalCigna Sarvah Uttam (IRDAI UIN MCIHLIP27040V032627) is an individual and family floater health insurance plan with sum insured from 5 lakh to 3 crore (10 options). Pre-existing diseases are covered after 3 years. It is one of 53 health insurance plans on Comparezi, from ManipalCigna.

Information only. Comparezi does not sell insurance, does not give advice and is not paid by insurers. The policy wording issued by the insurer prevails over this summary.

Cover and limits

  • Plan type: Individual and family floater
  • Sum insured options: 5 lakh, 7.5 lakh, 10 lakh, 15 lakh, 20 lakh, 25 lakh, 50 lakh, 1 crore, 2 crore, 3 crore
  • Entry age: From 91 days (children); 18 years (adults) (no maximum stated)
  • Room rent: Single Private AC Room; optional modification to Any room or Twin Sharing AC room
  • Co-payment: None mandatory (no zonal co-pay); optional voluntary co-payment 10%/20%/30%

Waiting periods

  • Initial waiting period: 30 days
  • Pre-existing diseases: 3 years
  • Specific illnesses: 2 years

Benefits

  • Pre-hospitalisation: 90 days
  • Post-hospitalisation: 180 days
  • Day-care treatment: Covered
  • AYUSH treatment: Covered
  • Restore benefit: Optional cover: multiple Restoration in a Policy Year for all illnesses or injury, related or unrelated
  • No-claim bonus: Optional Gullak: guaranteed increase of 100% of Base Sum Insured each policy year, up to 1500%, irrespective of claims
  • Maternity: Optional cover with 36 months waiting period
  • OPD: Not covered (unlimited tele-consultation with network General Physician)

How it compares on Comparezi

Of the 50 health insurance plans on Comparezi with a stated pre-existing disease waiting period, 9 have a shorter one and 40 have the same. Of the 49 health insurance plans on Comparezi with a stated post-hospitalisation period, none has a longer one and 21 have the same.

Premium

It depends on your age, cover, city and options. ManipalCigna does not publish a premium chart for this plan that Comparezi could check, so no figure is shown. Get a quote from the insurer.

About the insurer

ManipalCigna's health incurred claim ratio was 74.81% in FY 2024-25 (IRDAI Annual Report; includes personal accident). An incurred claim ratio compares claims with premiums earned; it is not the share of claims paid.

Similar plans from other insurers

Other health insurance plans from ManipalCigna

Sources

Checked 6 November 2026. Values the documents do not state are left out rather than estimated. See how Comparezi checks data.

Alternatives

Alternatives to the Sarvah Uttam

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Aditya Birla Health

Activ Health Platinum Enhanced

  • Individual and family floater Plan type
  • SI Rs 4 lakh and above: options Shared Room / Single Private A/C Room / Any Room; SI up to Rs 3 lakh: Shared Room / Single Private A/C Room Room rent
  • 36 months Pre-existing disease waiting
Premium depends on your profile

ICICI Lombard

Elevate

  • Individual and family floater Plan type
  • Up to a Single Private AC room Room rent
  • 36 months Pre-existing disease waiting
Premium depends on your profile

Magma General

OneHealth 10.0

  • Individual and family floater Plan type
  • Single private AC room Room rent
  • 36 months Pre-existing disease waiting
Sample premium ₹7,682 a year*

Similar cover

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ManipalCigna

Sarvah Param

  • Individual and family floater Plan type
  • Single Private AC Room (ICU no limit); optional modification to Any room or Twin Sharing AC room Room rent
  • 0 months Pre-existing disease waiting
Premium depends on your profile

Head to head

Compare the Sarvah Uttam

Questions

Sarvah Uttam FAQs

It depends on your age, cover, city and options. ManipalCigna does not publish a premium chart for this plan that Comparezi could check, so no figure is shown. Get a quote from the insurer.

MCIHLIP27040V032627. The UIN identifies the exact product version filed with IRDAI; check it on your policy documents.

3 years, as stated by the insurer.

Room rent as stated by the insurer: Single Private AC Room; optional modification to Any room or Twin Sharing AC room.

Co-payment as stated by the insurer: None mandatory (no zonal co-pay); optional voluntary co-payment 10%/20%/30%.

Maternity as stated by the insurer: Optional cover with 36 months waiting period.

90 days before and 180 days after hospitalisation.

5 lakh, 7.5 lakh, 10 lakh, 15 lakh, 20 lakh, 25 lakh, 50 lakh, 1 crore, 2 crore, 3 crore.

Data sources

  • Manufacturer official pages

Last updated

Product details

Disclosure

Links to insurers are not paid. Comparezi earns only from labelled ads, which never affect the Comparezi Score, the order of insurers, or the price shown, which is what the insurer listed when we checked.

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