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

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

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

3 Lacs - 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

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

Other plans under Super Top Up

SUPER TOP UP SELECT

Sum insured

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

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.

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