The added boost that keeps you covered above and beyond your health plan.
Sum Insured: ₹ 1 Lac - ₹ 30 Lacs
The added boost that keeps you covered above and beyond your health plan.
Best suited for

Individual

Family

Multi Individual
Key Benefits
Cashless treatment at 7500+ hospitals
Option to choose any room category
All Day Care treatments covered
Launch Date: 07-10-2022
Various Plans
ManipalCigna Super Top Up
has been designed keeping your needs in mind.Sum insured (SI)
3Lacs - ₹ 30Lacs
Base premium
1,770*/annum
Save Tax upto ₹ 25,000
Cashless treatment at 6500+ hospitals
Get guaranteed Cumulative Bonus
Non-payable expenses cover
Sum insured (SI)
1Lac - ₹ 30Lacs
Base premium
2,041*/annum
Save Tax upto ₹ 25,000
Cashless treatment at 6500+ hospitals
Get guaranteed Cumulative Bonus
Non-payable expenses cover
ManipalCigna Super Top Up Plus
ManipalCigna Super Top Up, that ensures health of your loved ones always has adequate cover, over and above your health plan.

Deductible
3Lacs- 10Lacs

Sum Insured
3Lacs - 30 Lacs
Sum Insured
₹ 10 Lacs
PREMIUM PER ANNUM
1,770* inclusive of taxes
*The Premium value is indicative for the below mentioned profile Gender – Male, Age – 30, Cover type – Family Floater ( 2 adults), Tenure- 1 year, Deductible – 5.5 Lacs, Premium payment mode- Single
Proposal may be subject to underwriting review

Inpatient Hospitalisation: Covered up to any Room Category. Covers hospital expenses for admission longer than 24 hours.

Pre – hospitalisation: Medical expenses covered up to 60 days before date of hospitalisation.

Post – hospitalisation: Medical expenses covered up to 90 days post discharge from hospital.

Provides coverage up to full Sum Insured.

Covered up to the limit of Sum Insured opted.

Provides for actual expense incurred towards non – medical items listed under policy wordings.

Provides for actual incurred expenses per hospitalization event.

Covers hospitalization expenses of the donor providing the organ.

Provides a guaranteed 5% increase in Sum Insured per policy year, maximum up to 50% of Sum Insured.
Note: Download product brochure for more details.
What’s covered
- In-patient Hospitalization
- Pre-Hospitalization
- Post -Hospitalization
- In-patient hospitalization for AYUSH cover
- Day Care treatment
- Non – medical expenses Cover
- Road Ambulance Cover
- Donor Expenses
- Guaranteed Cumulative Bonus
What’s not covered
- Any illness resulting from the Insured committing any breach of law
- Alcohol, drug, any substance abuse
- Contamination from Nuclear fuel or radiation
- Foreign invasion or civil war
Above list is only indicative and not exhaustive. For complete details on Eligibility, Coverages, Benefits, Terms, Condition and Exclusions please refer Policy Wordings and Prospectus

Guaranteed continuity on deductible
From 5th policy year onwards, you will have an option to opt for a separate base policy (ManipalCigna ProHealth Insurance- Protect Plan UIN MCIHLIP22211V062122 or any subsequent version approved by the IRDAI or equivalent product offered by Us), with guaranteed continuity on waiting periods. No fresh risk assessment shall be done for Sum Insured up to the deductible amount opted under ManipalCigna Super Top Up. Cover under existing policy will continue to be available subject to renewal and policy terms and conditions.

Reduction of Pre Existing Disease waiting period
Option to reduce Pre-existing disease (PED) waiting period to 24 months since inception of the policy and shall be applied to all insured persons covered under this policy. This optional cover is available at the time of purchase of this policy.
Riders

Critical Illness Add On Cover: Covers listed 11 Critical Illnesses. Available on payment of additional premium

Min Entry Age
Child - 91 days, Adult - 18 years

Cover Type
Individual and Family Floater (max 2 adults & 3 kids)

Max Entry Age
Child: 23 years (family floater policy), Adult: No limit

Policy Period
1, 2 and 3 years
(Discount of 7.5% for 2 years and 10 % for 3 years policy term with single premium payment mode)

Relationships covered
Self, Spouse, Dependent Children, Dependent - Parents, In-laws, Brothers, Sisters and more.(Please download product brochure for more details)

Premium Payment Mode
Single, Annual, Half yearly, Quarterly, Monthly
ManipalCigna Super Top Up Select
ManipalCigna Super Top Up Select, that ensures health of your loved ones always has adequate cover, over and above your health plan.

Deductible
1Lac- 10Lacs

Sum Insured
1Lac - 30 Lacs
Sum Insured
₹ 10 Lacs
PREMIUM PER ANNUM
2,041* inclusive of taxes
*The Premium value is indicative for the below mentioned profile Gender – Male, Age – 30, Cover type – Family Floater ( 2 adults), Tenure- 1 year, Deductible – ₹ 5 Lacs , Premium payment mode- Single
Proposal may be subject to underwriting review

Inpatient Hospitalisation: Covered up to any Room Category. Covers hospital expenses for admission longer than 24 hours.

Pre – hospitalisation: Medical expenses covered up to 60 days before date of hospitalisation.

Post – hospitalisation: Medical expenses covered up to 90 days post discharge from hospital.

Provides coverage up to full Sum Insured.

Covered up to the limit of Sum Insured opted.

Provides for actual expense incurred towards non – medical items listed under policy wordings.

Provides for actual incurred expenses per hospitalization event.

Covers hospitalization expenses of the donor providing the organ.

Provides a guaranteed 5% increase in Sum Insured per policy year, maximum up to 50% of Sum Insured.
Note: Download product brochure for more details.
What’s covered
- In-patient Hospitalization
- Pre-Hospitalization
- Post -Hospitalization
- In-patient hospitalization for AYUSH cover
- Day Care treatment
- Non – medical expenses Cover
- Road Ambulance Cover
- Donor Expenses
- Guaranteed Cumulative Bonus
What’s not covered
- Any illness resulting from the Insured committing any breach of law
- Alcohol, drug, any substance abuse
- Contamination from Nuclear fuel or radiation
- Foreign invasion or civil war
Above list is only indicative and not exhaustive. For complete details on Eligibility, Coverages, Benefits, Terms, Condition and Exclusions please refer Policy Wordings and Prospectus

Guaranteed continuity on deductible
From 5th policy year onwards, you will have an option to opt for a separate base policy (ManipalCigna ProHealth Insurance- Protect Plan UIN MCIHLIP22211V062122 or any subsequent version approved by the IRDAI or equivalent product offered by Us), with guaranteed continuity on waiting periods. No fresh risk assessment shall be done for Sum Insured up to the deductible amount opted under ManipalCigna Super Top Up. Cover under existing policy will continue to be available subject to renewal and policy terms and conditions.

Reduction of Pre Existing Disease waiting period
Option to reduce Pre-existing disease (PED) waiting period to 24 months since inception of the policy and shall be applied to all insured persons covered under this policy. This optional cover is available at the time of purchase of this policy.
Riders

Critical Illness Add On Cover: Covers listed 11 Critical Illnesses. Available on payment of additional premium

Min Entry Age
Child - 91 days, Adult - 18 years

Cover Type
Individual and Family Floater (max 2 adults & 3 kids)

Max Entry Age
Child: 23 years (family floater policy), Adult: No limit

Policy Period
1, 2 and 3 years
(Discount of 7.5% for 2 years and 10 % for 3 years policy term with single premium payment mode)

Relationships covered
Self, Spouse, Dependent Children, Dependent - Parents, In-laws, Brothers, Sisters and more.(Please download product brochure for more details)

Premium Payment Mode
Single, Annual, Half yearly, Quarterly, Monthly

With Non medical expenses now covered get no surprises in your hospitalization bills and receive 100% of claim.
Switch off your cover when you won't be needing it, like while abroad, for a month & get a discount on the next premium.
No cap on room limit be it a Single AC room, suite or even above.
Unlimited Restoration of Sum Insured for Related and Unrelated illnesses.
Active Plan specifically made for people with pre-existing conditions like asthma, diabetes, hypertension, dyslipidemia, & obesity.
With you in Illness and Wellness
We want to help you at every step of Illness and wellness. So, if you’re having trouble selecting the right plan for your needs, let us recommend a cover best suited for you and your family.
GET RECOMMENDATIONS HERE
Got Questions?
What are the details to be provided at the time of intimation of claim?
The following details are to be provided to the company’s at the tine of intimation of Claim: Policy number, Name of policy, Name of the insured person in whose relation the Claim is being lodged. Nature of illness / injury. Name and address of the attending Medical Practitioner and hospital. Date of Admission and any other information as requested by Us.
ManipalCigna Super Top Up
About ManipalCigna Super Top Up
ManipalCigna Super Top Up health insurance policy is a Super Top Up policy that covers you over and above your existing primary health insurance policy. A regular health insurance policy comes with a Sum Insured limit. Your primary policy does not cover any medical expenses incurred beyond that limit. This is where a Super Top Up policy comes into the picture. A Super Top Up policy comes to effect soon after the Sum Insured from your existing health policy is exhausted or left insufficient to settle the claim.
Why Do You Need ManipalCigna Super Top Up Policy?
-
Super Top Up policy is similar to top-up policies, but there are certain points that will help you distinguish between the two.
Top up health insurance policies offer additional coverage that go beyond the threshold limit of your existing health insurance policy. Thus, each of your claims has to surpass the threshold limit of the top up policy for any amount to be paid from the policy. Meanwhile, under Super Top Up policy, the total of all your hospitalization bills above the threshold limit is covered. Thus, the claim becomes payable as the total of all your claims exceeding the deductible limit in a policy year.
Thus, a Super Top Up policy is a wise choice. Though, it is essential to choose the right deductible for your Super Top Up policy. Below are some reasons why you should choose the ManipalCigna Super Top Up Policy:
You get more protection with an increased cover. The added boost of Rs. 3 lakh keeps you covered over and above your health policy. Additionally, you can get additional coverage of up to Rs. 30 lacs at an increased premium with the ManipalCigna Super Top Up Policy.
Affordable premiums. The ManipalCigna Super Top Up Policy is super affordable with premiums as low as Rs. 1770 per annum.
Guaranteed Cumulative Bonus feature to beat inflation. With ManipalCigna Super Top Up Health Insurance policy, you get a 5% increase in Sum Insured per policy year up to a maximum of 50% of Sum Insured irrespective of claims.
Choice of any hospital room. Under the Super Top Up health insurance policy, you get to pick any room category in the hospital.
So, what are you waiting for? Buy Super Top Up health insurance from ManipalCigna now.
FAQs about ManipalCigna Super Top Up
Q.1) What is a Super Top Up Policy?
Super Top up is a back up to existing medical insurance (personal health insurance or health insurance provided by employer or other group). A regular health insurance policy has a Sum Insured limit, beyond which it does not cover any medical expenses. This is when a Super Top Up policy is useful, it becomes effective soon after the Sum Insured from an existing health policy is exhausted or insufficient to settle claim.
Q.2) What are the advantages/benefits of a Super Top Up Policy?
Super Top Up health insurance policies are an added protection in such scenarios, when the maximum payout from a basic health policy gets exhausted or insufficient. One can benefit from this policy by availing any room category as per their choice during hospitalization.
Q.3) Do I need to have a health insurance policy to opt for Super Top Up policy?
No, you need not. If you don't have a health policy, you can still purchase a Super Top Up policy. However, in this case you will end up paying the expenses out-of-pocket until you exceed your deductible limit and the Super Top Up sum insured kicks in. Hence, it is ideal to have a basic health insurance policy, however not mandatory.
Q.4) 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.
Q.5) Can I cover self and my family member under this policy?
Yes, you can cover self, spouse & children on individual & family floater basis. For parents, a separate family floater policy can be opted. Extended family like brother and sister of the Policyholder who are children of same parents, grandparents, grandchildren, parent in laws, son in law, daughter in law, Uncle, Aunt, Niece and Nephew can be covered in individual basis.
Q.6) Will Specific Illness waiting period be waived under ManipalCigna Super Top Up policy?
A Specific illness waiting period of 24 months shall apply to the treatment whether medical or surgical for all medical expenses along with their complications. List of Treatment is mentioned in policy terms & condition under section III (Waiting period). (Document available on our website download section).
If these diseases are pre-existing or subsequently found to be pre-existing then pre-existing waiting period will be applied. For Ported policy continuity benefit will be available.
Q.7) A person undergoes dialysis for multiple times in a week, will ManipalCigna Super Top Up policy cover such procedure after the deductible limit is exhausted?
Yes, We will cover payment of medical expenses of an insured person in case of medically necessary dialysis treatment irrespective of number of times insured person is hospitalized. This treatment will start getting covered after the deductible limit is exhausted/insufficient till Sum Insured opted.
Q.8) Is there any co-pay applicable in this policy?
No, ManipalCigna Super Top Up plan covers all valid hospitalization bills above the threshold limit of Deductible amount. Once the Deductible limit is exhausted and Super Top Up policy kicks in, no further co-pay is applicable during settlement of claims.
Q.9) Does Super Top Up cover apply if my deductible limit is exhausted due to any claim made towards Worldwide Emergency Treatment?
No, Super Top Up cover will not be applicable towards Worldwide Emergency Treatment since it does not form a part of Base Cover of Super Top Up plan.
Q.10) Does Super Top Up cover Non-medical expenses incurred towards Maternity or maternity related complication claims?
Non-medical expenses cover will be applicable only if it is related to hospitalisation in Super Top Up plan.
Since Maternity or maternity related complications do not form a part of Super Top up base cover, it will not be payable.
Similarly, Non-medical expenses claim for infertility and related procedures, obesity treatment, dental treatment , hormone replacement therapy will not be payable.
Q.11) If one ports existing Super Top Up policy from ABC Insurer after 1/2/3/4 years, will he/she be able to opt for Guaranteed Continuity on Deductible cover?
No, Guaranteed Continuity on Deductible option will only be available at the time of first purchase of ManipalCigna Super Top Up policy. Hence it will not be applicable for portability cases.
Q.12) How to buy this Super Top Up policy?
You can call us at 1-800-10-24462, visit the nearest branch or visit ManipalCigna website https://www.manipalcigna.com and we will help you with the purchase process.
Q.13) Why Super Top Up Policy is revised within one year?
The Insurance Regulatory and development Authority of India (IRDAI) has recently proposed guidelines on modification and standardization of exclusion in health insurance products dated 27th September, 2019
In adherence with the new guidelines and growing need of health insurance product, We have revamped our Super Top Up Insurance plan to provide you with bigger and better benefits.For further details on this guidelines, you may visit IRDAI Website Link detailed below
https://www.irdai.gov.in/ADMINCMS/cms/frmGuidelines List,aspx?mid=3.4.3
Q.14) What is the difference between a regular Top up plan and a Super Top Up plan?
Top Up health insurance plans cover policies that offer an additional coverage, beyond the threshold limit of the existing health insurance policy. (that is, each claim to surpass the threshold limit for any amount to be paid from the Top up policy) |
Super Top Up plans are similar to top-up plans, except that Top Up plan covers a single claim above the threshold limit, while Super Top Up plan covers the total of all hospitalization bills above the threshold limit. |
In other words, under Top Up Policies deductible amount selected is reduced from every claim however under Super Top Up, claim becomes payable when the total of all the claims together exceeds the deductible limit within a policy year.
Other product with Hospitalisation Cover
Sum Insured upto ₹ 2.5 Lacs - ₹ 1 Crore
A comprehensive hospitalization plan for you and your family
Best suited for

Individual

Family

Multi Individual
Key Benefits


