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Last updated on: August 7, 2025
The ManipalCigna Prime Active and Sarvah Param Plans are both comprehensive health insurance options, but cater to different needs. The Prime Active Plan offers flexible coverage with sum insured options from ₹3 lakh to ₹1 crore, wellness benefits, and features like unlimited restoration and tele-consultations, making it suitable for individuals and families seeking robust, customizable protection. In contrast, the Sarvah Param Plan is designed as an affordable, fixed benefit policy aimed primarily at covering costs for a defined set of illnesses and treatments, usually with lower premiums but fixed payouts. While Prime Active emphasizes broader, cashless hospitalization and extensive add-ons, Sarvah Param focuses on straightforward, pre-determined benefits for specific health events. Choosing between them depends on whether you prefer comprehensive, flexible health cover (Prime Active) or a simpler, condition-specific policy (Sarvah Param).
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In the constantly changing realm of health insurance in India, understanding what the plans differ, is just as crucial as understanding what they share. Two unique medical insurance plans are ManipalCigna Prime Active Plan and ManipalCigna Sarvah Param Plan, which are targeted at individuals and families respectively. Both plans are robust in coverage, expansive networks of cashless benefits, and appealing add-ons, and each better fits the needs and budget of different people. A simple and straightforward comparison of ManipalCigna Prime Active vs Sarvah Param will save time and guarantee the right choice to any decision-maker willing to buy an appropriate health insurance policy in 2025.
This article will assist you in better understanding plan highlights, benefits, constraints and real-life examples.
Prime Active Plan is an elite health insurance scheme which was introduced by ManipalCigna. It seeks after people who live in cities and nuclear families as well that appreciate all-inclusive benefits and flexibility. The plan includes hospitalisation, OPD, day care, domiciliary treatments and optional global cover. The numerous features it has will appeal to individuals requiring larger sum insured and desiring planned and emergency cover in India.
Sarvah Param, conversely, serves a broader market, particularly the customers who want to have affordable but quality health insurance with normal coverages. It is structured as an easy, fixed benefit policy and it offers a pre-determined payment of hospitalisation instead of the real costs incurred.
Key differences at a glance:
Did you know? As per the IRDAI data, there is increased customisation in the health covers with add-ons among the urban policyholders as compared to the rural customers who favour fixed benefits plans with guaranteed payouts and reduced premiums.
The key aspects in 2025 are summarized briefly below:
People Also Ask:
Q. How is the primary difference between indemnity and fixed benefit plans?
A. Indemnity plans will reimburse actual expenses incurred whereas a fixed benefit policy will pay a fixed amount on an event, whether or not the actual costs are incurred.
| Feature | Prime Active Plan | Sarvah Param Plan. |
|---|---|---|
| Plan type | Indemnity (expense reimbursement) | Fixed benefit (lump sum) |
| Sum insured | 5 lakh-1 crore | Maximum of 5 lakh per event. |
| Target Buyers | Urban families, corporate, NRIs, | Rural, semi-urban, low-income. |
| Cashless Hospitals | 8000+ | 6000+ |
| Maternity Cover | Add-on only | Not available. |
| Critical Illness Rider | Optional | Optional. |
| Restore Benefit | Yes | No |
| Type of hospitalization | Allopathic, AYUSH, Modern Treatments | Allopathic, fixed benefit. |
| Claim Settlement | On actual expenses | Premeditated payout. |
| Family floater option | Yes | Yes. |
| Premiums (Annual) | Rs 6,000 to Rs 35,000 or more | Rs 2,000 or less. |
| Eligibility Age | Minimum 91 days to 65 years old | Minimum 18 years to 65 years old. |
| Waiting Period (PED) | 2 -4 years | 2 -4 years. |
| No Claim Bonus | Up to 200 percent | Not applicable. |
Contributor: ManipalCigna Product Brouchers, 2025.
Online health insurance aggregators allow comparing ManipalCigna Prime Active Plan and Sarvah Param Plan with other policies, allowing you to compare premiums, coverage, and other characteristics in one place and only then make a choice.
Akhil’s Family in Bengaluru:
Akhil, a 35-year-old IT professional, purchased the Prime Active Plan in the year 2024 on behalf of his family. The health check-up benefit was useful when his wife required a surgery worth Rs 3 lakh in which the plan not only financed all the pre and post-hospitalisation bills but also paid in cash at a city hospital.
Parents of Sangeeta, rural Maharashtra:
The Sarvah Param Plan was more appropriate to the parents of Sangeeta who reside in a tier-3 town. When Sangeeta was hospitalised and her mother was hospitalized, it directly provided a payout 1.5 lakh that they used to cover hospital bills, doctor charges and even to care at home without filing too many detailed bills.
Q. Is it possible to buy both ManipalCigna Prime Active and Sarvah Param?
A. Yes, you may purchase both, on eligibility and non-overlapping claims. It could assist you to have comprehensive as well as fixed benefit coverage.
Pros
Cons
Pros
Cons
Did You Know?
In 2024, roughly 31 percent of the new policyholders in the rural setting selected fixed benefit plans due to their convenience and quick payout of claims.
In case of change in your requirements in the year, change can be made by adding the riders at the policy renewal.
The ability of customising your plan through online insurance marketplaces will assist you in visualising the increment or benefit of premium upon rider and decision-making will be more transparent and personal.
People Also Ask
Q. Does Sarvah Param require less documentation than Prime Active Plan claim?
A. Yes, Sarvah Param has just simple minimum requirements of hospitalisation, which makes it quick and easy.
Take the instance of two individuals both aged 40 and hospitalised with a heart surgery of Rs 2.5 lakh.
Checklist Before Purchase:
When they are uncertain, they can use reputable websites that enable comparing plans to be transparent. You also get access to rating and actual user reviews on customer support and claims settlement ratios of ManipalCigna.
Q. Which would be a good plan of a family of five in the city?
A. ManipalCigna Prime Active Plan can be the choice of families in cities because the sum insured and extras in wellness are higher.
Q. Does Sarvah Param Plan include maternity?
A. Sarvah Param does not usually cover maternity costs and the Prime Active provides this as an option.
Q. How long is the waiting period of pre-existing diseases?
A. The coverage of pre-existing conditions has a 2 to 4 years waiting period in both plans.
Q. Would I be able to upgrade my Sarvah Param Plan to Prime Active in future?
A. During renewal, you may change plans; however, new underwriting and waiting periods can be issued according to the norms of the insurers.
Q. What is the speed of claim settlement of each plan?
A. Sarvah Param is quicker in settling claims because of reduced documentation. Prime Active claims, particularly those without cash are done promptly in network hospitals.
Q. What can I do to compare ManipalCigna online?
A. Shop and compare premiums, features, and rider options of different companies and plans in trusted online marketplaces to find the best fit.
Disclosure: The data is valid up to June 2025 and refers to insurer brochures, regulatory reports, and market surveys. To ensure that you buy the policy with the latest offers and regulatory changes, visit the insurer or the IRDAI updates regularly.
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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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