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ManipalCigna
Sarvah Offers Three Tailored Plans: Sarvah Pratham, Sarvah Uttam, and Sarvah
Param, providing customized health coverage to secure people’s financial health
· Over 6,000 advisors to be onboarded in Madhya Pradesh over three years, scaling to 11,000 advisors over the next five years
Indore: ManipalCigna Health Insurance, one of India's leading standalone health insurers, is strengthening its presence in Madhya Pradesh through its flagship product, ManipalCigna Sarvah. The company is expanding its local distribution and service capabilities to meet the state's growing demand for accessible, comprehensive health insurance. The company also shared insights from its India Health Quotient (IHQ 2026) study, reaffirming its commitment to deepening health insurance awareness and accessibility across the state.
As part of its expansion strategy in Madhya Pradesh, ManipalCigna plans to onboard over 6,000 advisors across the state over the next three years, scaling this advisor network to 11,000 over five years. The company will also continue to deepen its presence and strengthen last-mile service delivery, particularly across semi-urban and emerging markets in Madhya Pradesh.
ManipalCigna Sarvah addresses diverse protection needs across Madhya Pradesh from essential coverage for first-time buyers and people looking for peace of mind to comprehensive plans featuring innovative benefits such as zero waiting period options and high coverage needs. Sarvah has emerged as a key product driver in Madhya Pradesh, contributing a major share of the state’s gross new business premium.
Commenting on the growing adoption of Sarvah in Madhya Pradesh, Arun Kaushik, Head of Agency for North Central and Rest of Maharashtra, ManipalCigna Health Insurance, said: “With Sarvah, we are addressing the evolving healthcare needs of customers in Madhya Pradesh through a solution that is simple, affordable and comprehensive. Features such as infinite coverage through Anant, zero waiting period under Sarvah Param and tailored protection for buyers looking for value proposition through Sarvah Pratham are designed to give customers more choice and confidence. The strong adoption of Sarvah in the state shows that customers are responding to health insurance solutions that are practical, flexible and relevant to their requirements.”
On the company's distribution strategy and expansion
plans, Mihirkumar Bhatt, Zonal Business Head - Central, ManipalCigna Health
Insurance, said, “Madhya Pradesh is an important growth market for
ManipalCigna. Our focus is to expand through trusted local advisors who can
help families understand and choose the right health cover. We plan to grow our
advisor network to over 6,000 advisors in three years and 11,000 advisors in
five years. This expansion, along with a stronger branch presence, will help us
improve access, guidance and service for customers across the state.”
ManipalCigna Sarvah offers three tailored plan variants:
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ManipalCigna
Sarvah Uttam plan offers
personalized and comprehensive health insurance cover with infinite coverage
option in the name of Anant, helping customers experience the freedom against
life's most critical health challenges. It also comes with the Gullak
Advantage, which guarantees up to 1500% growth in sum insured irrespective of
claims, and the optional Sarathi Benefit that shortens the waiting period for
pre-existing conditions such as diabetes, hypertension, and asthma to just 31
days.
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ManipalCigna
Sarvah Param plan offers
Day 1 coverage, ensuring zero waiting period so that customers can get
immediate access to quality healthcare. The plan also provides unlimited sum insured
in the form of Anant benefit, giving customers peace of mind and complete
continuity from day 1. Customers also benefit from the Gullak Advantage for
guaranteed annual sum insured growth and a Surplus Benefit that restores 100%
of the sum insured on the first claim in every policy year.
· ManipalCigna Sarvah Pratham plan provides an essential and affordable health insurance coverage option, specifically tailored for the value seekers. It caters to both new-to-health customers and existing ones who would like to enhance their coverage against major illnesses and accident-related hospitalisation(s). The plan offers comprehensive hospitalisation coverage of up to ₹3 Cr for cancer, heart, stroke, and major organ or bone marrow transplants, along with an optional 31-day cover for pre-existing conditions.
The ManipalCigna India Health Quotient 2026, a proprietary research done by the company in association with YouGov, found that India’s overall health score stands at 65/100, while financial health scores the lowest at 62/100. Importantly, health coverage appears to act as a financial buffer: among people managing stress with health insurance, the financial health score is 65, compared with 58 among uninsured individuals in the same stress bracket.
Underlining their commitment to customers, ManipalCigna has paid out over ₹5,900 Cr in claims since inception (as of FY 2026), reinforcing its promise to stand by policyholders when they need it most.
As ManipalCigna continues to scale its
presence across Madhya Pradesh, the company remains focused on simplifying
healthcare protection through Sarvah and enabling families to secure their
health and financial well-being through innovative, customer-centric insurance
solutions.