Insurance
General Insurance
Manipal Cigna SARVAH

At a Glance

ManipalCigna Sarvah – This Plan offers a complete indemnity solution with 3 variants that helps you to have enough coverage for basic to major health eventualities and you can customize it as per your need. The premium under this plan has been derived basis the location based health care cost under 4 Zones .The Zone is decided from the customer CKYC Pin code.

The 3 variants being:

  1. Sarvah Uttam – New to health customers seeking Personalised and Comprehensive plan with Infinite Coverage.
  2. Sarvah Param – New & Existing customers seeking for Zero waiting period and complete Continuity of SI for Port/migration from day1.
  3. Sarvah Pratham- New & Existing customers seeking coverage for major illness & accident hospitalization.

Key Features of the Base cover – Sarvah Uttam

Hospitalization Expenses- Coverage up to SI including Listed Modern & Advanced Treatments, HIV/AIDS and STD Cover & Mental Illness.

Room Accommodation- Single Private Ac room. For ICU – Covered up to SI.

Day Care Treatment- All Day Care Treatments, availed in India, covered up to the full Sum Insured.

Robotic and Cyber Knife Surgery-Up to full Sum Insured, for treatment availed in India.

Pre – hospitalization- Medical Expenses incurred in India, covered up to 90 days preceding the date of Hospitalization and up to the full Sum Insured.

Post – hospitalization- Medical Expenses incurred in India, covered up to 180 days immediately after discharge from the hospital and up to full Sum Insured.

AYUSH Treatment- Up to full Sum Insured, for treatment availed in India.

Road Ambulance Cover- Expense incurred on availing Road Ambulance services in India, up to full Sum Insured.

Domiciliary Expenses- Covered up to Sum Insured, for expenses incurred in India.

Donor Expenses- Up to full Sum Insured, for expenses incurred in India which includes the Donor harvesting cost along with 30 days Pre and Post hospitalisation.

No Zonal Copay – Get treatment in any city of choice in India without any additional cost.

3 Value added covers – Wellness , Teleconsultations & Discount from Network providers.

Key Features of the Optional cover – Sarvah Uttam

Anant ( New to Industry )- Get unlimited Coverage for Hospitalization related 4 major illnesses Cancer, Hear, Stoke or Major Organ/Bone Marrow transplant under In-patient Treatment, Day care Procedure or AYUSH Treatment. This Benefit available for SI 10L & above. Infinite Cover benefit can be availed once in a policy year, every year.

Sarathi (New to Industry)-  PED  waiting period can be reduced to 30 days  arising from Diabetes, Obesity, Asthama, Blood Pressure and Cholesterol .

Gullak – Guaranteed Cumulative Bonus -100% of Base SI guaranteed cumulative bonus addition every year up to 1000% irrespective of any claims made.

Maternity & New Born Industry Highest) – Can be offered to female & Single adult male, 20% of SI or Max 5lacs. New born expenses and 1st year vaccination covered.

Restoration of Sum Insured- Multiple Restoration is available in a Policy Year from 2nd claim onwards, for all  illnesses, in addition to the Sum Insured opted, for treatments availed in India.

Surplus Benefit –Additional 100% of SI, available from day1 for 1st claim only, every policy year.

Personal accident cover- offering SI 10lac to 3cr.

Temporary Total Disablement –This Benefit available only if PA cover opted. Fixed weekly benefit for insured suffering from TTD arising from accident for max 100 weeks.

Non-Medical item & Durable Medical Equipment- (Industry Highest) – NME offered up to SI opted & cost of buying or renting medical equipment’s up to Rs. 1lac

Adult Health Check-up- Available under 3 packages once in a Policy Year to all Insured Persons who have completed 18 years of Age or more at the inception of the Policy Year. 

Air Ambulance –Covered up to SI subject to max of Rs. 10 lacs in addition to base SI.

Deductible- Offering Aggregate deductible & Per-day deductible options.

Voluntary Copay – Options of 10%, 20% or 30% on each and every claim.

Room Rent Modification - Upgrade to any room including Suite or Choose twin sharing AC room.

Sarvah Uttam – Waiting Periods:

  • 30 days – Initial Waiting Period
  • 36 months PED Waiting Period
  • 24 Months – Specific Illness Waiting period

36 Months – Maternity Waiting Period.

Key Features of the Optional cover – Sarvah Uttam

Hospitalization Expenses- Coverage up to SI including Listed Modern & Advanced Treatments, HIV/AIDS and STD Cover & Mental Illness.

Room Accommodation- Single Private Ac room. For ICU – Covered up to SI.

Day Care Treatment- All Day Care Treatments, availed in India, covered up to the full Sum Insured.

Robotic and Cyber Knife Surgery-Up to full Sum Insured, for treatment availed in India.

Pre – hospitalization- Medical Expenses incurred in India, covered up to 90 days preceding the date of Hospitalization and up to the full Sum Insured.

Post – hospitalization- Medical Expenses incurred in India, covered up to 180 days immediately after discharge from the hospital and up to full Sum Insured.

AYUSH Treatment- Up to full Sum Insured, for treatment availed in India.

Road Ambulance Cover- Expense incurred on availing Road Ambulance services in India, up to full Sum Insured.

Domiciliary Expenses- Covered up to Sum Insured, for expenses incurred in India.

Donor Expenses- Up to full Sum Insured, for expenses incurred in India which includes the Donor harvesting cost along with 30 days Pre and Post hospitalisation.

No Zonal Copay – Get treatment in any city of choice in India without any additional cost

Gullak (Inbuilt) – Guaranteed Cumulative Bonus -100% of Base SI guaranteed cumulative bonus addition every year up to 1000% irrespective of any claims made.

Restoration of Sum Insured (Inbuilt)- Multiple Restoration is available in a Policy Year from 2nd claim onwards, for all  illnesses, in addition to the Sum Insured opted, for treatments availed in India.

4 Value added covers (Inbuilt ) – Wellness , Teleconsultations ,Discount from Network providers & Annual health Check Up.

Key Features of the Optional cover – Sarvah Param

Surplus Benefit –Additional 100% of SI, available from day1 for 1st claim only, every policy year.

Personal accident cover- offering SI 10lac to 3cr.

Temporary Total Disablement –This Benefit available only if PA cover opted. Fixed weekly benefit for insured suffering from TTD arising from accident for max 100 weeks.

Non-Medical item & Durable Medical Equipment- (Industry Highest) – NME offered up to SI opted & cost of buying or renting medical equipment’s up to Rs. 1lac

Air Ambulance –Covered up to SI subject to max of Rs. 10 lacs in addition to base SI.

Deductible- Offering Aggregate deductible & Per-day deductible options.

Voluntary Copay – Options of 10%, 20% or 30% on each and every claim.

Room Rent Modification - Upgrade to any room including Suite or Choose twin sharing AC room.

Pratiksha -   Add waiting period of 30 days & 24 months although Param is a ZERO waiting plan.

Sarvah Param – Waiting Periods:

  • Zero – Initial Waiting Period.
  • Zero- PED Waiting Period , even if Pratiksha availed

Zero – Specific Illness Waiting period

Hospitalization Expenses- Coverage up to SI including Listed Modern & Advanced Treatments, HIV/AIDS and STD Cover & Mental Illness.

Room Accommodation- Single Private Ac room. For ICU – Covered up to SI.

Day Care Treatment- All Day Care Treatments, availed in India, covered up to the full Sum Insured.

Robotic and Cyber Knife Surgery-Up to full Sum Insured, for treatment availed in India.

Pre – hospitalization- Medical Expenses incurred in India, covered up to 90 days preceding the date of Hospitalization and up to the full Sum Insured.

Post – hospitalization- Medical Expenses incurred in India, covered up to 180 days immediately after discharge from the hospital and up to full Sum Insured.

AYUSH Treatment- Up to full Sum Insured, for treatment availed in India.

Road Ambulance Cover- Expense incurred on availing Road Ambulance services in India, up to full Sum Insured.

Domiciliary Expenses- Covered up to Sum Insured, for expenses incurred in India.

Donor Expenses- Up to full Sum Insured, for expenses incurred in India which includes the Donor harvesting cost along with 30 days Pre and Post hospitalisation.

No Zonal Copay – Get treatment in any city of choice in India without any additional cost.

3 Value added covers – Wellness, Teleconsultations & Discount from Network providers.

Sarathi (New to Industry)-  PED  waiting period can be reduced to 30 days  arising from Diabetes, Obesity, Asthama, Blood Pressure and Cholesterol .

Gullak – Guaranteed Cumulative Bonus -100% of Base SI guaranteed cumulative bonus addition every year up to 1000% irrespective of any claims made.

Accidental Hospitalization- Any hospitalization arising due to accidental injury during policy year covered up to SI.

Restoration of Sum Insured- Multiple Restoration is available in a Policy Year from 2nd claim onwards, for all  illnesses, in addition to the Sum Insured opted, for treatments availed in India.

Surplus Benefit –Additional 100% of SI, available from day1 for 1st claim only, every policy year.

Personal accident cover- offering SI 10lac to 3cr.

Temporary Total Disablement –This Benefit available only if PA cover opted. Fixed weekly benefit for insured suffering from TTD arising from accident for max 100 weeks.

Non-Medical item & Durable Medical Equipment- (Industry Highest) – NME offered up to SI opted & cost of buying or renting medical equipment’s up to Rs. 1lac

Adult Health Check-up- Available under 3 packages once in a Policy Year to all Insured Persons who have completed 18 years of Age or more at the inception of the Policy Year. 

Air Ambulance –Covered up to SI subject to max of Rs. 10 lacs in addition to base SI.

Deductible- Offering Aggregate deductible & Per-day deductible options.

Voluntary Co-pay – Options of 10%, 20% or 30% on each and every claim.

Room Rent Modification - Upgrade to any room including Suite or Choose twin sharing AC room.

Sarvah Pratham – Waiting Periods:

  • 30 days – Initial Waiting Period
  • 36 months PED Waiting Period

24 Months – Specific Illness Waiting period

Key Features of the Base cover – Sarvah Pratham

Adult: Min 18 years, Max – No limit

Dependent Child Family Floater ) – Min 91 days , Max -30 years

Dependent Child (Multi individual) – Min 91 days if one of the parent is proposer.

Cover Type: Individual and Family Floater (max 2 adults & 3 Children)

Max Entry Age Child: 30 years Adult: 65 years

Policy Period: 1, 2 and 3 years
(Discount of 7.5% for 2 years and 10 % for 3 years policy term with single premium payment mode)

Premium Payment Mode: Single, Annual, Half yearly, Quarterly, Monthly

Renewability: Life long

Sum Insured: All product zones – 5lacs – 3cr.

Disclaimer

DBS Bank India Limited (IRDA of India Registration Number: CA 0257) having the registered office at GF: Nos. 11 & 12, Capitol Point BKS Marg, Connaught Place, Delhi - 110001 is the Corporate Agent of ManipalCigna Health Insurance Company Limited (IRDA of India Regn.No.151) CIN: U66000MH2012PLC227948 having the Registered office address at 401/ 402, 4th Floor, Raheja Titanium, Off Western Express Highway, Goregaon East, Mumbai – 400063. DBS Bank India Limited (Bank) does not underwrite the risk or act as an insurer. ManipalCigna Lifetime Health by ManipalCigna with UIN: MCIHLIP21559V012021 | ManipalCigna Critical Illness Add On Cover UIN: MCIHLIP21128V022021 | ManipalCigna Health 360 UIN - MCIHLIA23023V012223 | ManipalCigna Lifetime Plus | UIN: MCIHLIA24148V012324 is underwritten by ManipalCigna Health Insurance Company Limited. The contract of insurance is between the insurer and the insured and not between the Bank and the insured. Bank does not give any warranty, as to the accuracy and completeness of the policies. Bank does not accept any liability or losses attributable to your contract of Insurance. Participation by the Bank’s customers in the insurance products is purely on a voluntary basis and is not linked to availment of any other facility from the bank. ISNP registration valid.

The contents and product information of this web site are given strictly for your convenience and is indicative in nature and ‘as is’ received from the Insurer. Nothing contained herein is to be construed as advice, recommendation, and offer for a policy or any other assistance. Bank does not guarantee that this website reflects latest amendments/ information at all times or at any time. Bank shall have no liability to the customer for any loss or damage of any kind incurred for reliance on the content and product information available on this website.

For more details on risk factors, terms and conditions, exclusions, please read sales brochure of insurer and policy terms and conditions carefully before concluding a sale. Tax benefits are available as per the prevailing tax laws, which are subject to change.

Contact our 24-hour toll free customer service helpline number 1-800-209-4555 / 1-860-267-1234 or our overseas customer service number 91-44-66854555 or write to us at [email protected]. Visit us at: www.dbs.com/in

UIN: MCIHLIP21559V012021

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