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 6500+ hospitals

Option to choose any room category

All Day Care treatments covered

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UIN: MCIHLIP21121V022021
Launch Date: 01-10-2020

Various Plans

ManipalCigna Super Top Up

has been designed keeping your needs in mind.

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

3 Lacs

30 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 MCIHLIP21121V022021 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

1 Lac

30 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 MCIHLIP21121V022021 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

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

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.

  • 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.

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.

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

Individual

Family

Family

Multi Individual

Multi Individual

Key Benefits

PHI Key Benefits
Cashless treatment at 6500+ hospitals

PHI Key Benefits-2 (1)
Guaranteed cumulative bonus up to 200% of SI

PHI Key Benefits-3
Tax saving benefits under Sec 80D, IT Act