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ManipalCigna Super Top-Up Health Insurance

307 reviews Rate This
ManipalCigna Health Insurance
Super Top-Up Policy
Claim Settlement Ratio88.00%
Network Hospitals8,700+
Pre-existing Disease Coverage From2 years
Pre-existing Disease Waiting Period2 years
Special BenefitsUnlimited Restoration
Starting Premium (for 5L SI)Rs. 566/month

About ManipalCigna Super Top-Up Health Insurance

ManipalCigna Super Top-Up Policy is a specially designed health insurance policy that allows you to ‘top-up’ your existing health insurance cover at an affordable premium. Available for people aged at least, the policy can be purchased for 1 year, 2 years, or 3 years, depending on the budget and other requirements. Apart from self, you can include spouse, children, parents, siblings, parents-in-laws, grandparents, grandchildren, son in-law, daughter in-law, uncle, aunt, nephew and niece under individual policy. Whereas on a floater basis, you can include legally wedded spouse, children up to the age of 23 years or parents. Note that a maximum of 2 adults and 3 children can be covered under a single policy.

ManipalCigna Super Top-Up Policy offers you utmost flexibility when it comes to paying premiums. You can pay it on a single, yearly, half-yearly, quarterly, and monthly basis. Also, you can avail tax benefits under Section 80D of the Income Tax Act 1961, on the premiums paid for this policy. Other benefits offered under the policy include cover for ambulance, donor expenses, AYUSH treatments, daycare treatments, pre-hospitalisation and post-hospitalisation expenses, etc. In short, the policy ensures that your health always has an adequate cover, even during the times of inflation of healthcare expenses and does not hurt the pocket as well.

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Key Inclusions and Exclusions of the Plan

What's Included

  • In-patient hospitalisation expenses are covered under this plan
  • Expenses related to daycare procedures are covered under this plan
  • Pre-hospitalisation and post-hospitalisation expenses
  • Road ambulance expenses
  • AYUSH treatment expenses

What's Not Included

  • Illness due to insured committing any breach of law
  • Illness caused due to contamination from nuclear fuel
  • Any injury caused to suicide or attempt of suicide
  • Purchasing Dietary supplements without prescription
  • Weight loss treatments

8674 ManipalCigna Cashless Network Hospitals in India

Super Top-Up Policy User Reviews

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What users are saying
  • All
  • Reminder feature

    The InsuranceDekho website includes a reminder feature which is useful in itself. I bought Manipal Cingla’s Super top-up policy from the InsuranceDekho website. The plan is unique in itself and provides coverage to an individual. The plan comes with many features and benefits. 

    H
    By Harpreet Kamran
    On: Mar 07, 2022
  • Detailed information

    InsuranceDekho website is an informative website. It has information about each plan in detail with its feature benefits and everything. I was looking for a good health insurance plan and then came across Manipal Cingla’s Super top-up policy.  Satisfied with the plan. 

    J
    By Jeelina Virk
    On: Mar 02, 2022

Add-ons to Enhance Benefits

  • Critical Illness

    ManipalCigna Super Top-Up Policy offers critical illness add-on cover that pays you an additional lump sum amount up to 100% of the base sum insured opted. The add on cover can be purchased by paying an extra premium at the time of policy purchase.

Claim Process at ManipalCigna Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 48 hours and for planned hospitalisation intimate within 3 days prior to admission.
  • 3

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 4

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 48 hours and for planned hospitalisation intimate within 3 days prior to admission.
  • 3

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 4

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.

FAQs on Super Top-Up Policy Health Insurance Plan

  • What are the sum insured and deductible options available under Super Top-Up Policy offered by ManipalCigna Health Insurance?

    Super Top-Up Policy offered by ManipalCigna Health Insurance comes with sum insured options of Rs. 3 Lakh, Rs. 4 Lakh, Rs. 5 Lakh, Rs. 6 Lakh, Rs. 8 Lakh, Rs. 10 Lakh, Rs. 15 Lakh, Rs. 20 Lakh and Rs. 30 Lakh. Whereas, the deductible options are of Rs. 3 Lakh, Rs. 3.5 Lakh, Rs. 4 Lakh, Rs. 4.5 Lakh, Rs. 5 Lakh, Rs. 5.5 Lakh, Rs. 7.5 Lakh, and Rs. 10 Lakh.  

  • Are there any optional covers available under the ManipalCigna Super Top-Up Policy?

    Yes. ManipalCigna Super Top-up Policy comes with two optional covers, namely, guaranteed continuity on deductible and reduction of PED waiting period. The former offers guaranteed continuity benefit on waiting period for sum insured upto the deductible amount, if a separate base policy is opted from 5th policy year. Whereas with the latter, you can reduce the waiting period for pre-existing diseases from 48 months to 24 months. Note that these optional covers can be taken at the time of policy purchase only. 

  • What are the basic covers offered under ManipalCigna Super Top-Up Policy?

    ManipalCigna Super Top-Up Policy provides the following basic covers to the policyholders:

    • In-patient hospitalisation expenses
    • Pre-hospitalisation and post-hospitalisation expenses for up to 60 days and 90 day respectively
    • In-patient hospitalisation for AYUSH
    • Daycare treatments
    • Non-medical expenses
    • Ambulance expenses
    • Organ donor expenses
    • Guaranteed increase in sum insured as bonus per policy year
  • What all is covered under in-patient hospitalisation in ManipalCigna Super Top-Up Policy?

    ManipalCigna Super Top-Up Policy covers you up to the sum insured for the following expenses in case of in-patient hospitalisation:

    • Medical expenses arising due to hospitalisation for more than 24 hours
    • Medical expenses are covered up to any room category
    • Cover for HIV/AIDS and related disease, for up to Rs. 2 Lakh after a waiting period of 2 years
    • Medical expenses arising due to modern and advanced treatment methods, for up to the sum insured   
  • What are the waiting periods under ManipalCigna Super Top-Up Policy?

    ManipalCigna Super Top-Up Policy comes with the following waiting periods: 

    • Waiting period for specific disease: 24 months
    • Waiting period for pre-existing diseases: 48 months
    • Waiting period for critical illness add-on: 90 days waiting period and 30 days survival period is applicable 

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