If you’re searching for a health insurance plan in India that offers extensive protection against high medical expenses and critical illnesses, the ManipalCigna Sarvah Uttam Infinite Health Insurance Plan is designed for you.
This plan combines unlimited coverage, innovative benefits, and family-friendly features, making it one of the most sought-after options in the market. In this blog, we’ll explore its key features, benefits, and common insurance terms to help you make an informed decision.
Why Choose ManipalCigna Sarvah Uttam?
1. Anant Benefit: Unlimited Coverage for Critical Illnesses
One of the standout features of this plan is the Anant Benefit, which provides unlimited sum insured for major illnesses such as:
- Heart conditions
- Cancer
- Stroke
- Major organ/bone marrow transplants
This means if you require expensive treatment for these conditions, your insurance coverage never runs out, protecting your savings from hefty medical bills.
2. Gullak Bonus: Yearly Doubling of Sum Insured
With the Gullak Advantage, your sum insured doubles every year for up to 10 years, regardless of claims.
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Example: Starting with ₹10 lakh coverage, it grows to ₹1.1 crore in 10 years.
- This shields you from medical inflation, ensuring your coverage remains sufficient over time.
3. Restoration Benefit: Multiple Claims in a Year
If you exhaust your sum insured, the Restoration Benefit reinstates your coverage for additional claims in the same policy year—whether for the same or unrelated illnesses.
4. Surplus Benefit: Double Coverage for First Claim
From Day 1, you get an extra 100% of your sum insured for the first claim each year, ensuring you’re financially prepared for unexpected medical expenses.
5. Sarathi Benefit: Reduced Waiting Period for Pre-Existing Diseases
Typically, pre-existing conditions (like diabetes, hypertension) have a 36-month waiting period. However, with Sarathi, this is reduced to just 30 days, making coverage accessible sooner.
Family-Focused Benefits
1. Maternity & Newborn Coverage
- Covers delivery expenses (up to 2 deliveries in a lifetime).
- Includes newborn treatments and first-year vaccinations.
- Maximum coverage: ₹15 lakhs (20% of sum insured).
2. Personal Accident Cover (Optional)
- Provides fixed benefits up to ₹3 crore in case of accidental death or disability.
3. No Zonal Co-Pay
- Get treated anywhere in India without extra charges based on location.
Understanding Insurance Terms
| Term | Meaning |
| Sum Insured | Maximum amount the insurer pays in a policy year. |
| Waiting Period | Time before certain conditions are covered (e.g., 30 days for Sarathi). |
| Pre-Existing Disease (PED) | Conditions you had before buying the policy. |
| Deductible | Amount you pay before insurance covers the rest (customizable). |
Pros & Cons
👍 Pros:
✔ Unlimited coverage for critical illnesses (Anant Benefit).
✔ Sum insured grows yearly (Gullak Bonus).
✔ Maternity & newborn coverage included.
✔ No zonal co-pay for nationwide treatment.
👎 Cons:
❌ Claim processing can be slow for complex cases.
❌ Hospital network may be limited in smaller cities.
❌ Adding multiple optional covers increases premium costs.
Who Should Buy This Plan?
✅ Families looking for maternity and newborn coverage.
✅ Individuals with pre-existing conditions (thanks to Sarathi).
✅ Those who want inflation-proof coverage (Gullak Bonus).
✅ People who travel frequently (no zonal co-pay).
Final Verdict
The ManipalCigna Sarvah Uttam plan is a feature-rich, flexible health insurance policy with unique benefits like unlimited critical illness coverage, yearly sum insured growth, and maternity benefits. While it has some limitations in claim processing speed, its comprehensive protection makes it a strong contender in the market.
Before buying:
✔ Check the hospital network in your area.
✔ Compare optional covers to avoid unnecessary premium hikes.
✔ Review eligibility and waiting periods for pre-existing conditions.
If you want a health plan that grows with you and covers your family comprehensively, ManipalCigna Sarvah Uttam is worth considering.
Disclaimer: This blog is for informational purposes only. Policy terms may vary—always read the policy document before purchasing.
