ManipalCigna’s Sarvah Health Insurance suite offers comprehensive and customizable health coverage tailored to diverse needs. The suite includes three distinct plans—Sarvah Pratham, Sarvah Uttam, and Sarvah Param—each designed to cater to specific requirements. Here are five unique selling propositions (USPs) that make the Sarvah suite stand out:
1.
Gullak Benefit: Guaranteed Cumulative Bonus up to 1000%
The Gullak Benefit is a standout feature across the Sarvah plans. It offers a guaranteed 100% increase in the sum insured every policy year, irrespective of claims made, up to a maximum of 1000% of the base sum insured. This means that over time, policyholders can significantly enhance their coverage without additional premiums, providing a substantial financial cushion against escalating medical costs.
2.
Sarathi Benefit: Reduced Waiting Period for Pre-Existing Diseases
The Sarathi Benefit addresses a common concern among policyholders—the waiting period for pre-existing conditions. Under this benefit, the waiting period for specific pre-existing diseases such as asthma, diabetes, dyslipidemia, obesity, and hypertension is reduced to just 30 days. This is a significant reduction from the standard waiting periods, allowing for earlier access to necessary treatments.
3.
Unlimited Restoration of Sum Insured
All Sarvah plans come with the Unlimited Restoration feature, which automatically reinstates the sum insured an unlimited number of times within a policy year if it gets exhausted due to claims. This ensures continuous coverage for multiple hospitalizations, whether for the same or different illnesses, providing peace of mind and financial security throughout the policy term.
4.
Anant Benefit: Infinite Sum Insured for Critical Illnesses
The Anant Benefit offers an infinite sum insured for hospitalizations related to critical illnesses such as cancer, heart conditions, stroke, and major organ or bone marrow transplants. This feature ensures that policyholders are not constrained by sum insured limits when facing severe health challenges, allowing access to the best possible care without financial worries.
5.
Comprehensive Wellness Program and Teleconsultation Services
The Sarvah suite emphasizes preventive care through its Healthy Life Management Program, which rewards policyholders with up to 20% of the base premium for engaging in wellness activities. Additionally, the plans offer unlimited teleconsultations with general physicians, making healthcare more accessible and promoting regular health monitoring.
In conclusion, ManipalCigna’s Sarvah Health Insurance suite combines extensive coverage with innovative benefits designed to address the evolving healthcare needs of individuals and families. Features like the Gullak and Sarathi benefits, unlimited restoration, and the Anant benefit provide robust financial protection, while wellness programs and teleconsultation services promote proactive health management. These USPs make the Sarvah suite a compelling choice for those seeking comprehensive and flexible health insurance solutions
