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.