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
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
Sum insured (SI)
1Lac - ₹ 30Lacs
Base premium
2,041*/annum
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.
Day Care Treatment - Covered up to the limit of Sum Insured opted.
Road Ambulance - Provides for actual incurred expenses per hospitalization event.
Pre hospitalisation: Medical expenses covered up to 60 days before date of hospitalisation.
Non-medical expenses Cover - Provides for actual expense incurred towards non – medical items listed under policy wordings.
Covers hospitalization expenses of the donor providing the organ.
Guaranteed Cumulative Bonus - 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
- 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 (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.
Day Care Treatment - Covered up to the limit of Sum Insured opted.
Road Ambulance - Provides for actual incurred expenses per hospitalization event.
Pre hospitalisation: Medical expenses covered up to 60 days before date of hospitalisation.
Non-medical expenses Cover - Provides for actual expense incurred towards non – medical items listed under policy wordings.
Covers hospitalization expenses of the donor providing the organ.
Guaranteed Cumulative Bonus - 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
- 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 (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 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
1 Lac - 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
Benefits
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.
Day Care Treatment - Covered up to the limit of Sum Insured opted.
Road Ambulance - Provides for actual incurred expenses per hospitalization event.
Pre hospitalisation: Medical expenses covered up to 60 days before date of hospitalisation.
Non-medical expenses Cover - Provides for actual expense incurred towards non – medical items listed under policy wordings.
Covers hospitalization expenses of the donor providing the organ.
Guaranteed Cumulative Bonus - 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
- 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
Add Ons and Options
Guaranteed continuity on deductible
From 5th policy year onwards, you will have an option to opt for a separate base policy (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
Eligibility
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
Sum insured
₹
Base premium
1,770*/annum
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.