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ManipalCigna Health Insurance Top-up & Super Top-up Plans

Super Top-up of ManipalCigna Health Insurance

A super top-up policy is similar to top-up health insurance in that it provides the insured with additional coverage in addition to their existing health insurance policy. A standard health insurance policy has a maximum sum insured amount above which no coverage is provided. This is where a super top-up health insurance policy comes into play, since it kicks in once the existing health insurance policy's sum insured has been depleted or if the claim has not been resolved.These plans cover the total of all hospitalization bills over and above the threshold limit. One such useful health insurance policy is offered by ManipalCigna, named Super Top-Up Policy.

ManipalCigna Health Insurance

Super Top-Up Manipal-Cigna In the event that the maximum payout from a base health insurance policy is spent or insufficient, the policy provides additional protection to the insured. The policy comes with a variety of deductible alternatives that you can select when purchasing the policy. The deductible is the amount you must pay out of pocket or from your basic health insurance policy.Kindly note that you can buy this policy even if you do not have a base health insurance policy. But in that case, you will be required to pay the expenses out of your own pocket until you exceed the deductible limit and the super top-up policy comes into the scene. Therefore, although it is not mandatory, it is recommended to have a basic health insurance policy with ManipalCigna Super Top-Up Health Insurance Policy.

Key Benefits of Super Top-Up Policy

Super top-up insurance policy offered by ManipalCigna Health Insurance is a suitable health insurance policy for most people who are looking for additional coverage over and above their base health insurance policies. The policy offers several advantages to the insured, some of which are listed below:

  • Additional coverage for sum insured options between Rs. 1 Lakh and Rs. 30 Lakh at an affordable premium
  • Tax saving, on the premium paid for this policy, under Section 80D of the Income Tax Act, 1961
  • Flexibility to choose any hospital room
  • Cover for treatments taken under AYUSH systems of medicines as both allopathic as well as in-patient
  • Guaranteed cumulative bonus
  • Cover for pre-hospitalisation and post-hospitalisation expenses for up to a specific number of days
  • Organ donor expenses

Who Can Buy This Plan?

People aged at least 18 years years are eligible to buy this policy. The good news is that there are no restrictions on the maximum age at which this policy will cover you. If your children are at least 23 years old, you can add them as a floater to this policy.

Waiting Period Under The Plan

The policy has a 30-day waiting period after which no claims will be accepted unless they are caused by an accident. A 24-month waiting period must be completed for specified diseases or operations.

Renewability of the Policy

Super Top-Up Policy comes with a lifetime renewability benefit, which means that there is no restriction on the maximum age to get the policy renewed. You can renew the policy with mutual consent by paying the required premium on time, before the policy expiry date.

Exclusions Under The Plan

Super Top-up Policy does not cover you for the following expenses:

  • Alcohol, drug, or any substance abuse
  • Foreign invasion or civil war
  • Admission for the purpose of evaluation or investigation
  • Contamination from nuclear fuel or radiation
  • Any illness arising due to the insured committing a breach of law

In case of any doubt or further information, you can connect with the customer care executives at InsuranceDekho or read the policy wording thoroughly.

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ManipalCigna Health Insurance Plan List

  • Individual (11)
  • Family (11)
  • Woman (11)
  • Parents (10)
  • Blood Pressure (11)
  • Kids (11)
  • Thyroid (11)
  • Diabetes (11)
  • Heart (5)
  • Senior Citizen (6)
  • Maternity (3)
See More Plans

Key Features of ManipalCigna Critical Illness Insurance Policy

ManipalCigna critical insurance comes with certain features. Key features of the plan are as follows:

  • Portability option
  • Cashless treatment
  • Lifelong renewability
  • Medical second opinion
  • Discounts on policy premiums

ManipalCigna Critical Illness Plan is a solution to avail the best treatment if you or other insured members are diagnosed with a critical illness.

Tax Save
Save Tax upto ₹75000*
Under Section 80D

*Tax benefits are subject to changes in Income Tax Act.

ManipalCigna Health Insurance Plan List

  • Family (4)
  • Individual (4)
  • Critical Illness (1)
  • Maternity (1)
  • Woman (1)
Name of PlanSum Insured
Prime Check Premium
ProHealth Prime Check Premium
Prime Senior Health Insurance Plan Check Premium
Arogya Sanjeevani PolicyMin: 3 months; Max: 65 years1 Lakh - 5 Lakh Check Premium
Corona Rakshak PolicyMin: 18 years; Max: 65 years50 Thousand - 2.5 Lakh Check Premium
Lifetime Health Insurance PolicyMin: 91 Days; Max: 65 years Check Premium
Corona Kavach PolicyMin: 1 day ; Max: 65 years50,000 - 5 lakh Check Premium
Lifestyle Protection Critical CareMin: 18 Years; Max: 65 Years1 Lakh Check Premium
Pro HealthMin: 91 Days; Max: No Limit2 Lakh Check Premium

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User Reviews

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  • Trustworthy and Reliable

    I chose InsuranceDekho because of its reputation for being trustworthy. They are partnered with reputed insurance companies, giving me peace of mind about my coverage. I purchased the ManipalCigna Health Insurance that has been great for me.

    By Jasmin Kaur
    On: Jul 04, 2024
  • Helped secure my future with a...

    For my health insurance requirements, I chose ManipalCigna, and I'm really happy with my choice. I was able to quickly evaluate their plans and identify the best fit for me because of InsuranceDekho. Plans from ManipalCigna offer peace of mind because of their broad coverage and ability to be adjusted to meet my requirements. Their extensive hospital network guarantees that the best medical treatment is always available. Knowing that ManipalCigna has my back gives me comfort.

    By Mayank Gaur
    On: Jun 26, 2024
  • Helpful to find the closest ne...

    Impressed by Manipal Cigna's wide network of hospitals. Smooth claim settlement and good value for money. InsuranceDekho helped me locate the network hospital under Manipal Cigna’s network when I needed a hospital urgently. Thank you InsuarnceDekho for helping me in my times of need.

    By Mohd. Amaan
    On: Jun 10, 2024
  • Help received to locate the ne...

    Impressed by Manipal Cigna's wide network of hospitals. Smooth claim settlement and good value for money. InsuranceDekho helped me locate the network hospital under Manipal Cigna’s network when I needed a hospital urgently. Thank you InsuarnceDekho for helping me in my times of need.

    By Lakshay Chauhan
    On: May 28, 2024
  • InsuranceDekho helped clear my...

    InsuranceDekho convinced me to purchase health insurance online even though I was hesitant. Their portal made the entire process easier, and it was simple for me to compare various plans. I'm sure now that I made the best decision for my family and myself by buying the ManipalCigna health insurance.

    By Kunal Yadav
    On: May 28, 2024

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