ManipalCigna Health Insurance Accelerates Rapid Growth of their Award-Winning Product ‘Sarvah’ in Tamil Nadu

ManipalCigna Health Insurance, one of India’s leading health insurers, has deepened its commitment to Tamil Nadu by accelerating the adoption of its innovative and award-winning product, ManipalCigna Sarvah. Focused on India’s ‘missing middle’ population, Sarvah contributed 52% of the company’s new business in Tamil Nadu during Jan-May 2025. Recently, Sarvah was voted the ‘Product of the year 2025-Health Insurance’. The recognition is the outcome of a consumer survey conducted by research firm NielsenIQ on behalf of the Independent Organisation: Product of the Year. 

With 18 offices, a robust network of over 1,500 empaneled hospitals, and over 7000 advisors, ManipalCigna has covered more than 11 lakh lives in the state in FY25. Over the last three years, the company has settled claims worth ₹101 crores in the state, underscoring its mission to make quality healthcare more accessible. The company plans to expand its presence in the state with 10 more branches and add over 10,000 advisors across South India in FY26.

 

According to the data from the General Insurance Council (GIC), ManipalCigna outpaced the sector with a 30% growth in premium in Q1 FY26, the highest among SAHI players, reflecting its strong regional strategy and customer-first product design.

 

From a healthcare standpoint, Non-Communicable Diseases account for 68% of the total disease burden in Tamil Nadu, higher than the national average of 61.43%. [1] This underscores the need for focused interventions on chronic diseases like diabetes and cardiovascular conditions. In response to such health challenges, ManipalCigna launched Sarvah for the ‘missing middle’ that combines affordability with comprehensive coverage, including critical illness.

 

Commenting on ManipalCigna’s growing presence in the state, Sapna Desai, Chief Marketing Officer of ManipalCigna Health Insurance, said, “Our commitment to making quality healthcare accessible across Tamil Nadu has been central to our journey. Over the years, our growing network, innovative offerings, and customer-centric approach have enabled us to earn the trust of our policyholders and our partners to deliver tangible value. Our consistent growth and the launch of our innovative flagship product, ‘Sarvah’, with unique features such as infinite coverage available with Sarvah Uttam plan and absolutely zero waiting period available with Sarvah Param plan, demonstrates our dedication to the health, well-being, and peace of mind of our customers.” 

ManipalCigna Sarvah offers three tailored plans providing customised health coverage:

• ManipalCigna Sarvah Uttam 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.
• ManipalCigna Sarvah Param offers Day 1 coverage, ensuring zero waiting period so that customers can get immediate access to quality healthcare. The plan also provides unlimited sum assured, giving customers the peace of mind and complete continuity from day 1. 

• ManipalCigna Sarvah Pratham provides an essential and affordable health insurance coverage option, specifically tailored for the missing middle. It caters to both new-to-health customers and existing ones who would like to enhance their coverage against major illnesses and accident-related hospitalization(s).

“Tamil Nadu presents a strong opportunity for expanding health insurance access, especially in semi-urban and emerging markets. With Sarvah, we have addressed real and recurring healthcare needs through a solution that is simple, affordable, and predictable. We are committed to offering innovative health insurance products and experiences that build lasting trust and improve the well-being of our customers,” said Ashish Yadav, Head – Products and Operations, ManipalCigna Health Insurance.

As ManipalCigna continues to expand its footprint across Tamil Nadu, it remains committed to simplifying healthcare and protecting millions of lives with innovative health insurance solutions.