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Last updated on: August 7, 2025
The key pain points associated with choosing 1 crore health insurance in India for 2025 include justifying the high sum insured, understanding the layered policy structure, and ensuring inclusion of global and specialized treatment benefits. The featured 1 Crore Health Insurance in India effectively addresses these issues by offering all-inclusive coverage for high-cost treatments, international medical care, critical illnesses, and long-term hospitalization. It is ideal for HNIs, business owners, and families seeking top-tier medical protection without financial limits. The platform enhances user clarity with transparent breakdowns, AI-driven customization based on lifestyle and risk exposure, and expert guidance to ensure maximum return on investment and seamless claims experience.
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Health insurance is an essential aspect of any Indian family, and it becomes even more crucial in the recent changes after the pandemic when individuals realised the great significance of financial security against unforeseen medical expenses. Out of the numerous health plans that are offered in India two of the highly regarded products include Manipalcigna Lifetime Plan and Manipalcigna Sarvah Param Plan which are both products offered by Manipalcigna which is a reputable insurer. When you know the particular differences between these plans you are likely to make a good decision on behalf of your family and self.
This detailed guide discusses the peculiar advantages, features, premium comparison, inclusions and considerations of both Manipalcigna Lifetime and Manipalcigna Sarvah Param, and the most updated version is applicable in 2025. Keep reading to make the right decision.
Manipalcigna Lifetime Health Insurance Plan is an inclusive health policy that is aimed at offering lifetime medical covers to the individuals and families. Introduced to meet the changing healthcare requirements in India, this plan underpins cashless hospitalization, provides options of high sum insured and various value added benefits to protect holistically.
Pros:
Cons:
Did you know?
Since early 2025, the Manipalcigna Lifetime Plan provides OPD benefits and cashless pharmacy solutions in some cities to address the Indian family’s rising healthcare demands today.
Introduced recently, Manipalcigna Sarvah Param Plan is aimed at offering cheap but healthy health covers to all individuals, and at the same time offers different packages to the various age groups. This is a plan that can best fit middle-income families and first-time insurance purchasers, who want affordable but comprehensive plans.
Pros:
Cons:
The popularity of Manipalcigna is motivated by its strong network of hospitals, secure claim servicing, digital wellness, and the same ability to create the plan according to the particular stage of life.
The two plans are offered by the same insurer but they are used to satisfy different needs. We shall compare the top priorities of an average Indian family in 2025.
| Characteristic | Lifetime Plan | Sarvah Param Plan |
|---|---|---|
| Sum Insured Range (in INR) | 5 lakh - 3 crore | 2 lakh - 50 lakh |
| Family Floater | Yes (8 members or less) | Yes (6 members or less) |
| Network Hospitals | 8000+ | 7000+ |
| Pre Hospitalization Cover | 60 days | 60 days |
| Post Hospitalization Cover | 180 days | 180 days |
| Maternity Cover | Optional Add-on | Optional Add-on |
| Critical Illness Cover | Optional Add-on | Optional Add-on |
| OPD Cover | Yes (in selected cities) | No |
| Wellness Programs | Yes | Limited |
| Cumulative Bonus | To 200 percent | To 50 percent |
| Annual Health Checkup | Yes (all variants) | Yes (select variants) |
| Entry Age | 18 Years to lifelong | 91 days to lifelong |
| Waiting Period (PED) | 24-48 months | 24-36 months |
| Restoration of Sum Insured | 100 percent | 100 percent |
| Premium (Approx yearly family of 4)* | 18,000 - 50,000 (approx) | 12,000 - 28,000 (approx) |
The premiums are indicative in case of a family consisting of 2 adults and 2 children, but can change depending on age and location.
In the case of urban families and those wanting to purchase the large covers, the Lifetime Plan is usually a better option. But Sarvah Param will cater to the cost considerations of the families in the Tier 2 and Tier 3 cities.
The major health issue in India is long-term diseases such as diabetes, hypertension, and heart diseases. More insurers are expanding their definitions and covering these with shorter waiting periods in 2025.
Yes, you can use board Lifetime or upgrade your sum insured, but you are required to take medical exams and underwriting regulations. The norms of portability according to IRDAI are applicable.
Did you know?
Both plans have now been updated to include a built in digital health record to allow easy claims and therefore all family medical information is stored in one central place that can be portable to any hospital within the Manipalcigna network.
Parents and elder people constitute a huge population of purchasers of health insurance in India. The two plans address various needs of elder care:
But in Lifetime Plan, the premiums can increase according to age, whereas in Sarvah Param, the premiums are affordable enough to embrace the old age.
Manipalcigna is also reputed to have a robust network of 8000+ hospitals with the two plans offering cashless cover on most major treatments. There is provision of policyholders of digital claims, fast pre-authorisation and reduced paperwork.
Yes, both plans reimburse home care or domiciliary treatments on conditions where hospitalisation is not the ideal treatment, medical advice is required and the insurer notified.
Expert Note:
According to the Indian Express Health Survey 2025, more than 58 percent of Indian policyholders put in high regard the cashless claim support as the most significant factor of decision making when purchasing health insurance.
Manipalcigna realises that families can never be identical. Lifetime and Sarvah Param plans both have optional add-ons and customisations including:
Customisation aids users to choose which benefits they require and not to spend on unnecessary benefits.
Yes, the Lifetime and Sarvah Param plans are available to be purchased directly on the official site of Manipalcigna or through the other popular policy aggregator portals, in a paperless process.
Assuming you are a working couple in a metro with a family history of lifestyle diseases, Lifetime Plan offers you space to expand your coverage, offers as much access to hospital networks as possible, and OPD support, so it is the stronger option.
To a retired couple with average savings, the Sarvah Param Plan will provide an affordable means of having basic hospitalization and chronic medical condition coverage, and even minor surgeries covered without excessive annual premiums.
The Lifetime Plan enables up to 8 members to be covered, thus it is perfect in the case of joint families who put more emphasis on the long term cover.
Did you know?
IRDAI requires all insurers to permit the inter-plan migration within the company without any new waiting on the coverage continuity, and this has helped a large number of Manipalcigna policyholders in 2025.
The two plans offer good cashless claims, online servicing, and network of strong hospitals yet vary on customisability, family of premiums and the wellness provision.
So what Manipalcigna plan should a 4-person family have in 2025?
The Lifetime Plan is better if you have the money and would rather have a higher cover. To middle-income families, Sarvah Param provides a good value and an adequate cover of most of the medical needs.
Is it possible to add parents and in-laws to the same plan?
Both Lifetime and Sarvah Param Yes, parents and parents-in-law can be included in family floater options.
How does one settle claims?
The claims may be done in form of cashless hospitalisation, online portals of reimbursement, or in Manipalcigna dedicated customer services. In case all the documents are provided, most claims are processed within 72 hours.
How can I renew my plan in 2025?
Renewal is simple to be undertaken online, or by using Manipalcigna mobile app, without any further paperwork, and the policyholders receive reminders 30 days before policy expires.
Does it have a free health check-up facility once in a year?
The Lifetime Plan will provide yearly health examinations to all the insured members. Some variants of Sarvah Param include health checkups.
How could we improve this article?
Written by Prem Anand, a content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors.
Prem Anand is a seasoned content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors. He has a strong command of industry-specific language and compliance regulations. He specializes in writing insightful blog posts, detailed articles, and content that educates and engages the Indian audience.
The content is prepared by thoroughly researching multiple trustworthy sources such as official websites, financial portals, customer reviews, policy documents and IRDAI guidelines. The goal is to bring accurate and reader-friendly insights.
This content is created to help readers make informed decisions. It aims to simplify complex insurance and finance topics so that you can understand your options clearly and take the right steps with confidence. Every article is written keeping transparency, clarity, and trust in mind.
Based on Google's Helpful Content System, this article emphasizes user value, transparency, and accuracy. It incorporates principles of E-E-A-T (Experience, Expertise, Authoritativeness, Trustworthiness).
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