ManipalCigna Super Top-up Plan

ManipalCigna Health Insurance provides the insured with additional coverage and their existing health insurance policy with their Super Top-up plan. This plan from ManipalCigna Health Insurance Company provides additional coverage on top of a standard health insurance plan. A standard health plan will have a fixed amount of sum insured and coverage terms and this is where the ManipalCigna Super Top-Up Plan comes into play. It kicks in after the existing health insurance policy's sum insured has been depleted or if the claim has not been resolved.

ManipalCigna Super Top-Up Plan is resourceful if the maximum payout from a base health insurance policy is exhausted or insufficient, the policy provides additional protection to the insured. To offer the maximum benefit to the policyholder, the plan comes with two variants that are: Super Top-up Plus and Super Top-up Select.

Manipal Cigna Super Top-Up comes with various deductible alternatives that you can select when investing in the policy, it is the amount you must pay out of pocket or from your basic health insurance policy. The policy has multiple benefits like ambulance cover, AYUSH treatments, pre & post-hospitalization coverage, etc.

ManipalCigna Super Top-up Plan Specifications

To understand ManipalCigna Super Top-up Plan Insurance in detail, take a look at the below table:

Entry Age

18 years to No maximum limit

Policy Type

Individual and Family Health Insurance

Sum Insured

3 L | 4 L | 5 L | 7 L | 10 L | 15 L | 20 L | 25 L | 30 L

Initial Waiting Period*

30 Days

Renewability

Lifelong

Policy Term

1,2,3 years

*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.

Read more specifications in the brochure.

Choose Your ManipalCigna Super Top-up Plan

With wide coverage options available, ManipalCigna Super Top-up Plan Insurance Plan allows you to choose your ideal coverage as per your family’s health requirements. Take a look at the coverage under every SI option available and choose your ideal coverage:

In-patient & Out-patient coverage

Room Rent

Covered

ICU Charges

Covered

Pre-Hospitalization

Covered

Post-Hospitalization

Covered

Domiciliary Hospitalization

Not Covered

Daycare Treatment

Covered

OPD Charges

Not Covered

Coverage Terms

COVID-19 Treatment

Covered

Cataract

Not Covered

No Claim Bonus

Covered

Automatic Restoration

Not Covered

Daily Hospital Cash

Not Covered

Organ Donor

Covered

Maternity Cover

Not Covered

New Born Baby Cover

Not Covered

Alternative Treatments

AYUSH Treatment

Covered

IVF Treatment

Not Covered

Modern Treatment

Covered

Emergency Coverage

Ambulance

Covered

Air Ambulance

Not Covered

Compassionate Travel

Not Covered

Global Coverage

Not Covered

Wellness Programmes

E-Consultation

Not Covered

Health Check-Up

Not Covered

Second Medical Opinion

Covered

Vaccination

Not Covered

Limitations

Co-payment

Not Covered

Sub-limits

Not Covered

ManipalCigna Health Insurance Network Hospital List

ManipalCigna Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, ManipalCigna Health Insurance ensures that you are medically secured, irrespective of the city you reside in.

Delhi

Mumbai

Bengaluru

Chennai

Kolkata

Hyderabad

Pune

Ahmedabad

Jaipur

Lucknow

Know More About Network Hospital

ManipalCigna Super Top-Up Plan Exclusions

Permanent Exclusions

Permanent diseases or health conditions that are not included under the ManipalCigna Super Top-up plan are:

Hospitalization out of war, riot, strike, and nuclear weapons

Intentional self-injury

AIDS

Miscarriage, and Abortion

Congenital disease

Infertility and in vitro fertilization

Coverage after Waiting Period

Certain diseases and treatments are covered under this plan after a certain period. Read the details below:

Listed ailments after 24 Months

Pre-existing diseases after 48 Months

Explore other ManipalCigna Health Insurance

To cater to the different medical needs of an individual & their family, ManipalCigna Health Insurance offers several Health Plans ranging from senior citizen plans to specialized plans for autistic children, to health insurance for cardiac patients, and many more.Take a look below to ManipalCigna Health Insurance plans explore more:

Individual and Family Health Insurance

ManipalCigna ProHealth Protect Plan

ManipalCigna ProHealth Protect Plan is a comprehensive health insurance policy designed to take care of you and your family in your health and illness...

Unique Features

Avail Add-On Covers
Optional Benefits Available
High SI Options

ManipalCigna ProHealth Protect Plan (Pros)

Newborn Baby and Maternity Cover
Health Maintainance Benefit
AYUSH Cover

ManipalCigna ProHealth Protect Plan (Cons)

Compassionate travel
Vaccination expenses
E-consultation

ManipalCigna ProHealth Protect Plan (Other Benefits)

Daycare treatment
Domiciliary treatment
OPD cover

ManipalCigna ProHealth Protect Plan (Eligibility Criteria)

Entry age: 18 years to No limit
SI: 2.5 L to 50 L
Initial waiting period: 30 days
Policy term: 1/2/3 years

Individual and Family Health Insurance

ManipalCigna ProHealth Plus

The ManipalCigna ProHealth insurance policy is specially designed to cater to all your worries regarding your health and wellness. It provides the pol...

Unique Features

Suitable for New Couples
Family Planning Coverage
Maternity & Newborn Cover

ManipalCigna ProHealth Plus (Pros)

Maternity & new-born benefits
Modern treatment
500+ daycare procedures
Listed critical illnesses

ManipalCigna ProHealth Plus (Cons)

IVF not covered
E-consultation
Compassionate travel

ManipalCigna ProHealth Plus (Other Benefits)

Organ donor expenses
Worldwide coverage
In-patient hospitalization
Out-patient hospitalization

ManipalCigna ProHealth Plus (Eligibility Criteria)

Entry age: 18 years to No max limit
SI: 4.5 L to 50 L
Initial waiting period: 30 days
Policy term: 1/2/3 years

Senior Citizen Health Insurance

ManipalCigna Prime Senior Plan

We all know that senior citizens are prone to developing more diseases that can continue until their last breath if not treated well. In such scenario...

Unique Features

Modern treatment cover
Low waiting periods
Room category flexibility

ManipalCigna Prime Senior Plan (Pros)

Daily cash for shared accommodation
Air ambulance
Domestic second opinion
Unlimited 100% SI restoration

ManipalCigna Prime Senior Plan (Cons)

OPD cover
Maternity and newborn cover
Compassionate travel

ManipalCigna Prime Senior Plan (Other Benefits)

Any room upgradation
Unlimited SI restoration
PEDs waiting period reduction
Domestic second opinion (Elite)

ManipalCigna Prime Senior Plan (Eligibility Criteria)

Entry age: 56 to 75 years
SI: 3 to 50 Lakhs
Policy term: 1/2/3 years
Initial waiting period: 30 days

Individual and Family Health Insurance

ProHealth Prime Advantage

Buying health insurance that provides you and your family a 360-degree coverage against medical emergencies is the need of this hour. ManipalCigna Pro...

Unique Features

360 Degree Family Coverage
Additional Wellness Programs
OPD Charges Covered

ProHealth Prime Advantage (Pros)

Bariatric surgery
Maternity coverage
Newborn baby cover
Daily cash benefits

ProHealth Prime Advantage (Cons)

Compassionate travel
Copayment unavailable
Sub-limits not applicable

ProHealth Prime Advantage (Other Benefits)

Air ambulance cover
OPD available
Domiciliary hospitalization

ProHealth Prime Advantage (Eligibility Criteria)

Entry age: 18 years to no max limit
SI: 5 L to 1 Cr
Policy term: 1/2/3 years
Initial waiting period: 30 days

Individual and Family Health Insurance

ManipalCigna Prime Protect Plan

"Your Health Deserves Better!" Get safeguarded with a health plan that provides you with all-around healthcare facilitation." ManipalCigna Prime Prote...

Unique Features

Customizable health benefits
High-value covers
Health reward discounts

ManipalCigna Prime Protect Plan (Pros)

In-patient hospitalisation
Daycare treatment
Domiciliary hospitalisation
Sum insured restoration
Organ donor cover

ManipalCigna Prime Protect Plan (Cons)

Adventure sport injuries
Cosmetic treatment
Alcoholism/drug abuse
Self-inflicted injury

ManipalCigna Prime Protect Plan (Other Benefits)

Optional covers
Add-ons available
Unlimited benefits up to SI
Bariatric surgery cover
AYUSH treatment cover

ManipalCigna Prime Protect Plan (Eligibility Criteria)

Child Entry age - 91 days - 25 Years
Adult Entry Age- 18 Years- No Limit
SI - INR 3 Lakhs - 1 Crore
Waiting Period - 30 days

Individual and Family Health Insurance

ProHealth Prime Active Plan

ManipalCigna ProHealth Prime Active is a comprehensive plan to keep you, Healthy bhi and Active bhi. But have you ever imagined why Indians don’...

Unique Features

Worldwide emergency cover
Premium waiver benefit
Covers 36 listed critical illnesses

ProHealth Prime Active Plan (Pros)

Global cover
Modern treatment
Second medical opinion

ProHealth Prime Active Plan (Cons)

OPD cover
Maternity benefits
Newborn baby cover

ProHealth Prime Active Plan (Other Benefits)

In-patient hospitalization
Daycare procedures
Organ donor cover

ProHealth Prime Active Plan (Eligibility Criteria)

Entry age: 18 to 70 years
SI: 3 to 15 Lakhs
Waiting period: 30 days
Policy term: 1/2/3 years

Individual and Family Health Insurance

ManipalCigna ProHealth Plan

ManipalCigna ProHealth Insurance Policy by ManipalCigna Health Insurance Company is a comprehensive hospitalization insurance plan that protects you a...

Unique Features

Know About the Plan & its Variants
Explore the Features & Eligibility
Inclusions and Exclusions

ManipalCigna ProHealth Plan (Pros)

Pre-hospitalisation
Post-hospitalisation
Unlimited teleconsultation
Daily hospitalcash
SI restoration benefit

ManipalCigna ProHealth Plan (Cons)

Obesity weight control
Change of gender treatments
Breach of law

ManipalCigna ProHealth Plan (Other Benefits)

Cashless claim settlement
AYUSH treatment
Trusted insurance provider

ManipalCigna ProHealth Plan (Eligibility Criteria)

Min entry age: 91 days
Max entry age: Unlimited
Initial Waiting Period: 30 Days
Sum Insured: Up to 1 Cr

Individual and Family Health Insurance

ManipalCigna Super Top-up Plan

ManipalCigna Health Insurance provides the insured with additional coverage and their existing health insurance policy with their Super Top-up plan. T...

Unique Features

Boost Your Health Coverage
Eligibility Criteria and Features
Inclusions & Exclusions

ManipalCigna Super Top-up Plan (Pros)

AYUSH treatment
Modern treatment cover
Organ donor expenses

ManipalCigna Super Top-up Plan (Cons)

Maternity cover
Global cover
No OPD cover
Domiciliary care unavailable

ManipalCigna Super Top-up Plan (Other Benefits)

In-patient hospitalization
Pre & post-hospitalization
Daycare procedures cover

ManipalCigna Super Top-up Plan (Eligibility Criteria)

Entry age: 18 years to no age bar
Policy term: 1/2/3 years
Initial waiting period: 30 days
SI: 3 to 30 Lakhs

Individual and Family Health Insurance

ManipalCigna Lifetime Health Plan

Manipal Cigna LifeTime Health Insurance is a reliable health insurance plan that prioritizes your healthcare needs and looks after them. ManipalCigna ...

Unique Features

Know About the Plan & its Variants
Explore the Features & Eligibility
Inclusions and Exclusions

ManipalCigna Lifetime Health Plan (Pros)

Covers the treatment cost of HIV/AIDS and STD
Covers mental illness
You can opt for global coverage

ManipalCigna Lifetime Health Plan (Cons)

Vaccination not covered
IVF treatment not covered
Air ambulance not covered

ManipalCigna Lifetime Health Plan (Other Benefits)

You can opt for deductibles
Air ambulance covered
Domestic and international coverage

ManipalCigna Lifetime Health Plan (Eligibility Criteria)

Min entry age: 18 Years
Max entry age: 65 Years
Initial Waiting Period: 30 Days
Sum Insured: Up to 3 Crore

Individual and Family Health Insurance

ManipalCigna ProHealth Prime Plan

ManipalCigna ProHealth Prime is a comprehensive and flexible Health Insurance Plan that offers Better Coverage, Better Control, and Better Care for th...

Unique Features

Comprehensive coverage
High sum insured
Customized benefits

ManipalCigna ProHealth Prime Plan (Pros)

Annual health check up
Domestic second opinion
Switch off benefit
Premium waiver benefits
OPD expense covered

ManipalCigna ProHealth Prime Plan (Cons)

Optional deductibles
10% co-payment
PED 2-year waiting period
Long waiting period

ManipalCigna ProHealth Prime Plan (Other Benefits)

Domiciliary hospitalisation
Air ambulance cover
Cumulative bonus booster
CI add on cover
SI restoration

ManipalCigna ProHealth Prime Plan (Eligibility Criteria)

Min entry age: 91 days
Max entry age: 65 Years
Initial Waiting Period: 30 Days
Sum Insured: Up to 1 Cr

Group Health Insurance

ManipalCigna Pro Health Group Plan

ManipalCigna ProHealth Group Insurance Policy has been designed to provide more extensive and better insurance solutions to employer-employee and non-...

Unique Features

Avail Critical Illness Cover
High Sum Assured
Optional Covers

ManipalCigna Pro Health Group Plan (Pros)

Avail Critical Illness Cover
High Sum Assured
Optional Covers Available

ManipalCigna Pro Health Group Plan (Cons)

Injuries due to unlawful activities
Obesity
Cosmetic surgery
Injuries due to illegal activities
Illness due to radiation exposure

ManipalCigna Pro Health Group Plan (Other Benefits)

Donor expenses cover
AYUSH treatment cover
Daily Cash Benefits
Critical illness cover
Personal accident cover

ManipalCigna Pro Health Group Plan (Eligibility Criteria)

Min entry age: Day 1
Max entry age: 65 Years
Initial Waiting Period: 30 Days
Sum Insured: Up to 1 Cr

Individual and Family Health Insurance

Critical Care Plan

ManipalCigna Health Insurance Company offers its Critical Illness policy which is also a global plan that assures you financial support during critica...

Unique Features

CI Cover
Eligibility & Features
30 CI Cover

Critical Care Plan (Pros)

15 or 30 major illnesses
Medical second opinion
Online wellness program

Critical Care Plan (Cons)

No daily cash benefit
In-patient hospitalization
OPD unavailable
Daycare procedures

Critical Care Plan (Other Benefits)

Basic & advanced add-on cover benefits
Organ donor expenses

Critical Care Plan (Eligibility Criteria)

Entry age: 18 to 65 years
SI: 1 L to 25 Cr
Policy term: 1/2/3 years
Waiting period: 90 days

Individual and Family Health Insurance

ManipalCigna Sarvah Plan

“Sahi Health Insurance Chuno, SADA SECURE RAHO” Yep, that's right, this is what ManipalCigna’s new SARVAH plan talks about. With thi...

Unique Features

Comprehensive coverage
High sum insured
Customized benefits

ManipalCigna Sarvah Plan (Pros)

Coverage for major illness
Reduced waiting period for pre-existing diseases
Unlimited restoration
Surplus benefits

ManipalCigna Sarvah Plan (Cons)

Maternity benefit not covered
No global coverage
Daily hospital cash not covered

ManipalCigna Sarvah Plan (Other Benefits)

Tatkal benefit
Comprehensive personal accident cover
Gullak and Sarathi benefits

ManipalCigna Sarvah Plan (Eligibility Criteria)

Entry Age -91 days
Maximum Entry Age - No Limit
SI - Up to 3 Crore
Waiting Period - 30 days

ManipalCigna Super Top-up Plan: FAQs

1. Does the ManipalCigna Super Top-up plan offer any add-on riders?

Yes, ManipalCigna Super Top-up policy comes with a Critical Illness Add On Cover, which covers up to 11 listed critical Illnesses.

2. What Premium payment modes are available under the Super Top-up Insurance plan offered by ManipalCigna?

One can choose to pay their ManipalCigna Super Top-Up policy premium in a Single, Annual, Half-yearly, Quarterly, or Monthly mode.

3. Can I avail of any Tax Benefits under the ManipalCigna Super Top-up Plan?

Yes. the premiums paid under the Policy are eligible for income tax benefit under Sec 80 D of the Income Tax Act.

4. Is there any Co-pay clause under the ManipalCigna Super Top-up plan?

No, the plan does not have any co-pay clause, which means the plan will cover hospitalization bills above the threshold limit of the Deductible amount.

5. Do I need to undergo any pre-medical health checkups before buying the ManipalCigna Super Top-up plan?

No, you do not need to undergo any medical check-ups up to 55 years of age.

6. What are the advantages of the Manipal Cigna Super Top-Up Policy?

Super top-up plans are an added protection in scenarios when the maximum payout from a basic health policy gets exhausted or insufficient. It is made for the convenience of policyholders in case their base sum insured is exhausted.

7. Is there any difference between regular top-up and super top-up plans?

Yes, there is a difference as Super Top Up plans are similar to top-up plans, except that the Top Up plan covers a single claim above the threshold limit, while the Super Top Up plan covers the total of all hospitalization bills above the threshold limit.

8. What are deductibles in a Top Up health plan?

Deductible can make or break the efficacy of your health insurance plan. It is the amount that you have to pay for – either out-of-pocket or from your basic health insurance policy – before your health insurance top-up kicks in.

9. Are there special conditions applicable for pre-existing diseases in this policy?

The company may apply a risk loading on the premium payable (excluding Statutory Levies and Taxes) or Special Conditions on the policy based upon the health status of the persons proposed for insurance.

10. Does this policy provide AYUSH cover?

Yes, AYUSH covers in-patient treatment under Ayurveda, Yoga, Naturopathy, Unani, Siddha, and Homeopathy for an illness or injury that occurs during the policy year. Coverage is available up to the sum insured under specific conditions.

11. Can I cover myself and a family member under this policy?

Yes, you can cover self, spouse & children on an individual & family floater basis. A separate floater plan can be opted for parents.

12. What is the minimum and maximum entry age of this policy?

Minimum age at entry: Child – 91 days, Adult – 18 Years Maximum age at entry: Child – 23 Years, Adult – No Limit

13. Is there any room rent capping?

No, there is no room rent capping, any category of a hospital room can be opted up to the policy Sum Insured.

14. Can I cancel my policy anytime?

Request for cancellation shall be intimated to ManipalCigna by giving 15 days’ notice.

15. Is there any additional benefit provided if I purchase the policy online?

No, currently no online purchase benefits are offered. However, a discount of 3% on the premium from the next renewal, if the premium is received through NACH or Standing Instruction.

ManipalCigna Super Top-up Plan

ManipalCigna Super Top-up Plan Specifications

Entry Age

Policy Type

Sum Insured

Initial Waiting Period*

Renewability

Policy Term

Choose Your ManipalCigna Super Top-up Plan

In-patient & Out-patient coverage

Coverage Terms

Alternative Treatments

Emergency Coverage

Wellness Programmes

Limitations

Recommended Videos

ManipalCigna Health Insurance Network Hospital List

Delhi

Mumbai

Bengaluru

Chennai

Kolkata

Hyderabad

Pune

Ahmedabad

Jaipur

Lucknow

ManipalCigna Super Top-Up Plan Exclusions

Permanent Exclusions

Coverage after Waiting Period

Explore other ManipalCigna Health Insurance

ManipalCigna ProHealth Protect Plan (Pros)

ManipalCigna ProHealth Protect Plan (Cons)

ManipalCigna ProHealth Protect Plan (Other Benefits)

ManipalCigna ProHealth Protect Plan (Eligibility Criteria)

ManipalCigna ProHealth Plus (Pros)

ManipalCigna ProHealth Plus (Cons)

ManipalCigna ProHealth Plus (Other Benefits)

ManipalCigna ProHealth Plus (Eligibility Criteria)

ManipalCigna Prime Senior Plan (Pros)

ManipalCigna Prime Senior Plan (Cons)

ManipalCigna Prime Senior Plan (Other Benefits)

ManipalCigna Prime Senior Plan (Eligibility Criteria)

ProHealth Prime Advantage (Pros)

ProHealth Prime Advantage (Cons)

ProHealth Prime Advantage (Other Benefits)

ProHealth Prime Advantage (Eligibility Criteria)

ManipalCigna Prime Protect Plan (Pros)

ManipalCigna Prime Protect Plan (Cons)

ManipalCigna Prime Protect Plan (Other Benefits)

ManipalCigna Prime Protect Plan (Eligibility Criteria)

ProHealth Prime Active Plan (Pros)

ProHealth Prime Active Plan (Cons)

ProHealth Prime Active Plan (Other Benefits)

ProHealth Prime Active Plan (Eligibility Criteria)

ManipalCigna ProHealth Plan (Pros)

ManipalCigna ProHealth Plan (Cons)

ManipalCigna ProHealth Plan (Other Benefits)

ManipalCigna ProHealth Plan (Eligibility Criteria)

ManipalCigna Super Top-up Plan (Pros)

ManipalCigna Super Top-up Plan (Cons)

ManipalCigna Super Top-up Plan (Other Benefits)

ManipalCigna Super Top-up Plan (Eligibility Criteria)

ManipalCigna Lifetime Health Plan (Pros)

ManipalCigna Lifetime Health Plan (Cons)

ManipalCigna Lifetime Health Plan (Other Benefits)

ManipalCigna Lifetime Health Plan (Eligibility Criteria)

ManipalCigna ProHealth Prime Plan (Pros)

ManipalCigna ProHealth Prime Plan (Cons)

ManipalCigna ProHealth Prime Plan (Other Benefits)

ManipalCigna ProHealth Prime Plan (Eligibility Criteria)

ManipalCigna Pro Health Group Plan (Pros)

ManipalCigna Pro Health Group Plan (Cons)

ManipalCigna Pro Health Group Plan (Other Benefits)

ManipalCigna Pro Health Group Plan (Eligibility Criteria)

Critical Care Plan (Pros)

Critical Care Plan (Cons)

Critical Care Plan (Other Benefits)

Critical Care Plan (Eligibility Criteria)

ManipalCigna Sarvah Plan (Pros)