🚀 Fincover® App is Now Live!
Join 10 Million+ users on web – now available on mobile!
Last updated on: August 7, 2025
The ManipalCigna Prime Active Plan and the ManipalCigna Sarvah Uttam Plan are health insurance products catering to varying needs and budgets. The Prime Active Plan is a comprehensive indemnity-based cover offering higher sum insured options, global coverage, and enhanced features such as wellness programs, OPD benefits, and no sub-limits on treatments—ideal for urban customers seeking robust long-term protection. In contrast, the Sarvah Uttam Plan is a retail health policy launched under the IRDAI’s Arogya Sanjeevani guidelines, focusing on affordability and simplicity with standardized features, lower sum insured choices (up to ₹5 lakh), and basic hospitalization coverage. Choose the Prime Active Plan for extensive and customizable benefits, or opt for Sarvah Uttam if budget and essential protection are your priorities.
Author
Read Bio
Reviewed by
Read Bio
It is also necessary to select the appropriate health insurance policy, and in particular, to think about premium coverage in a reliable insurer such as Manipalcigna. Manipalcigna Prime Active Plan and Manipalcigna Sarvah Uttam Plan are two of the best plans available in the Indian market and are the options that families and individuals would prefer to get comprehensive health coverage in 2025. Both of the plans have their own advantages, yet which one suits you? This comprehensive article disaggregates the characteristics, the differences, advantages and disadvantages of the two plans, and the real life effects of the two plans so that you have all the answers before purchasing medical insurance this year.
Rather than get into specifics, it will be prudent to first clearly define the two health insurance products:
Manipalcigna Prime Active Plan: The plan is aimed at the urban and semi-urban populations who desire inclusive individual or floater health cover. It has the purpose of offering tailor-made services to young professionals, retired people, and nuclear families, with a focus on a package of preventive care and high-level treatment.
Manipalcigna Sarvah Uttam Plan: This plan is a mass-market offering targeted at a uniform health policy benefits to middle-income families, rural residents and those who are first time policy purchasers. The Sarvah Uttam Plan provides basic medical cover with straightforward claim options and strong customer service thus creating inclusiveness and financial safety.
The Manipalcigna Prime Active Plan is packed with superior benefits depending on the age groups and lifestyles. Here are its main features:
Did you know?
The average settlement time of Manipalcigna Prime Active in the year 2025 was of 11 days which is much lower than the IRDAI national average of 11 days when it comes to settlement times of the insurers.
Did you know?
Industry analysis of the health products in the Indian mass market indicated that Sarvah Uttam plans increased by 18 percent in rural subscriptions in 2024, as it was affordable.
Premier Active Plan vs Prime Active Plan Sarvah Uttam Plan
| Item | Prime Active Plan | Sarvah Uttam Plan. |
|---|---|---|
| Sum Insured | -5lakh-2 crore INR | -50k-10 lakh INR |
| Policy Tenure (years) | 1, 2, 3 | 1 |
| Waiting Period before Existing Waiting Period | 2-4 years (vary) | 4 Years standard. |
| Premium (35yr couple) | Begins at 13k/year | Begins at 4k/year. |
| Room Rent Capping | None | Yes, normally to 1 percent of sum insured per day. |
| Cashless Hospital cover | 8000 hospitals | 7000 hospitals |
| Restoration Benefit | Yes, 100 percent | No |
| No Claim Bonus | Yes, to 100 percent | Yes, to 100 percent |
| Free Health Checkup | Yes, annual, | No. |
| Day Care Procedures | 540+ | About 200 |
| Maternity/Newborn Benefits | Select variants | No. |
| Renewal Age | Lifelong | Lifelong. |
Case 1: Urban Working couple, Bangalore
A man and his wife aged 34, who are both working in the field of IT, buy the Prime active plan of sum insured 20 lakh rupees. When the wife is admitted in the hospital because she is ill and requires 3 lakh rupees to undergo a gall bladder surgery, she opts to take one suite. The plan covers the entire amount, and provides physiotherapy benefits after surgery, and also a free health check within the next year.
Case 2: Farmer and Family, Rural Maharashtra
A 43-year-old farmer and his family of four choose Sarvah Uttam Plan at a lower amount insured of 3 lakh rupees by paying reduced premium. In the case of his son hospitalized with dengue, he covers a large part of the total expenses of 80 thousand, nevertheless, he remains in a twin-sharing ward due to sub-limits on room territory.
Professionals in the health industry suggest that you should weigh your city, likely hospitalization, and your family income per year when deciding on Sarvah Uttam versus Prime Active plans in 2025.
People also ask:
Q: Can Sarvah Uttam Plan be applied in such major metro cities as Mumbai or Delhi?
**A:**Yes, it is valid throughout India, though, please note, whether your favorite private hospitals are in the network since there are high end hospitals that like comprehensive plans such as Prime Active.
Choose Prime Active if:
You require a broad-based coverage, would like your own rooms, would like wellness benefits, and can afford a higher premium. Best suited to the salaried professionals, business families and those intending to have maternity or advanced treatment in the metros or in Tier 1 cities.
Choose Sarvah Uttam if:
You require an insurance on essential medical requirements at low premium, have a limited budget or in Tier 2/3 cities or rural localities. Appropriate to joint-family, farmers and upgraders of government facilities.
Did you know?
With online insurance markets, you can easily compare insurance plans such as Prime Active and Sarvah Uttam by filtering the plans by feature, premium and policy wording to analyze the features side by side. This assists the buyers with the process of viewing all options under a single location prior to purchasing a choice.
Prime Active: Premium is based on age, city, sum insured, and details on lifestyle; wellness activity and claim-free years discounts.
Sarvah Uttam: Premium is age and sum insured based, and is extremely cost effective on children and younger adults. No other wellness or cashless claims discounts.
Individual (example) premiums (23 years):
People also ask:
Q: Can I take Sarvah Uttam up to Prime Active in future?
A: Yes, on renewal, you may port or migrate to a higher plan but you are subject to regulations and waiting periods to the new plan.
Deepak, 39, Mysore: our Prime Active Plan reimbursed my full 7 lakh treatment of cancer without any additional out of pocket costs. The restoration coverage assisted in my case where I required a second operation.
Shanta, 52, Jaipur: I was able to cover my entire family under Sarvah Uttam at only 4200 a year. The paperwork was simple and a majority of the costs were covered by hospital when my husband underwent appendix surgery.
People also ask:
Q: Does these plans include OPD or dental treatment?
A: OPD and dental are included in only add-ons to Prime Active advanced variant. Basic Sarvah Uttam does not pay OPD or dental costs.
Prime Active Plan: This is the best plan to select when you want high coverage, own rooms, advanced treatments, and wellness perks. The rates are more expensive and yet more inclusive.
Sarvah Uttam: Ideal when a first-time or low-end consumer is looking to purchase a simple, but quality health insurance on behalf of the family. Basic, inexpensive, less tailoring.
Use online sites to compare specifications one after another and consult an expert or peer reviews before purchasing.
A: Is it possible to add parents under Manipalcigna Prime Active and Sarvah Uttam policies?
A: Both plans will permit the addition of dependent parents, however, verify the age, and medical tests.
Q: When can I claim a surgery after the purchase of Prime Active or Sarvah Uttam?
A: Accidental injuries can be claimed on day-one, whereas illnesses have a waiting period of 30 to 90 days and more on pre-existing illnesses according to the plan conditions.
Q: Do you have any discounts in premium in no claim years?
A: The two plans have no claim bonus that helps to increase future cover or provide premium discounts.
Q: What does Cashless claims require?
A: e-health card, hospital bills, discharge summary and KYC are important documents. It is directed through Manipalcigna app or customer care.
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).
Loved by 1M+ users (web). Start your financial journey today!
