For hospitalization claims of the Odisha Train Tragedy call us at 1800-102-4462 or email us at   |  Introducing our Mobile App – myManipalCigna, an all-in-one Platform for self-servicing and policy related information. Available on Play Store and App Store!

Calculate Your Premium Now For Super Topup

You are few steps away from securing your family's health

Relationship like Self, lawfully wedded spouse, son , daughter, father & mothers get covered on individual & family floater basis. Extended family members can also get covered on Individual basis for more details refer T&C OKAY, GOT IT  

Relationship like Self, lawfully wedded spouse, son , daughter, father & mothers get covered on individual & family floater basis. Extended family members can also get covered on Individual basis for more details refer T&C OKAY, GOT IT  

Select gender and age

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 plan is exhausted/ insufficient to settle claim. It is a back up to existing medical insurance.OKAY, GOT IT  

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Sum Insured ₹ 2.5 Lacs - ₹ 1 Crore

A comprehensive hospitalization plan for you and your family

Best suited for





Multi Individual

Multi Individual

Key Benefits

Cashless treatment at 7500+ hospitals

Guaranteed cumulative bonus up to 200% of SI

Tax saving benefits under Sec 80D, IT Act


Upto:- 30 Lakhs Top-Up

In-patient hospitalization

Super top up health insurance will cover hospital accommodation expenses with no limit on room rent, charges for stay in Intensive Care Unit, related hospitalization expenses such as surgeon’s fees, nursing, anaesthesia, blood, oxygen, operation theatre charges, surgical appliances, medicines, drugs, and consumables up to the sum insured.


You may incur some expenses before you are hospitalized, like doctor’s fees, pharmacy-related expenses, or diagnostic tests. All such costs will be covered by your super top up policy for up to 60 days before your hospitalization.

Post hospitalization

After you get home from the hospital, there are still many expenses to be taken care of, like consultation fees, diagnostic tests, pharmacy-related costs among other things. We will cover such expenses related to your hospitalization up to 90 days after your discharge.

Day care treatment

You might need to be hospitalized for less than 24 hours for certain procedures like dialysis, radiation therapy, cataract surgery among others. We will cover the cost of such procedures up to the sum insured.

Ambulance cover

We understand the need for emergency ambulance service; should you need immediate assistance, our super top up health insurance will cover the ambulance expenses (as per actual expenses) every time you get hospitalized.

Donor expenses

For situations like an organ transplant, the medical expenses incurred for the in-patient hospitalization of the donor is also covered up to the sum insured.

Reduction in Pre-existing diseases waiting period (Optional)

We will reduce the waiting period for PED from 48 months to 24 months from the date of inception of the first super top-up policy with us under this benefit.

Critical illness add-on

Persons between 18 to 65 years can opt for Critical Illness cover as an add-on benefit. We will give a lump sum amount equal to Sum Insured in case of the first diagnosis of the covered critical illnesses. In case of a family floater super top-up policy, once a claim has been paid for a critical illness under this benefit we will provide for 100% reinstatement of Sum Insured once during the lifetime of the policy for the other person covered.

For more details on Product Features and options kindly contact our call centre at 1800 102 4464.

Discount Available

FAMILY DISCOUNT: 10% discount on the premium amount on enrolling 2 and more family members under a single individual super top-up plan.

LONG TERM DISCOUNT: 7.5% for selecting 2 years and 10% for selecting 3 years single premium policy.

ONLINE RENEWAL DISCOUNT: 3% discount on the premium from next renewal if the premium is received through NACH or standing instruction (where payment is made either by direct debit of the bank account or credit card)

Why ManipalCigna

Waiting Period

We shall not be liable to make any payment for any claim directly or indirectly caused by, based on, arising out of or howsoever attributable to any of the following. All waiting periods shall be applied individually for each Insured Person and claims shall be assessed accordingly.

Pre-existing Disease waiting Period

Expenses related to the treatment of a pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of 48 months (24 months, if Reduction in Pre-existing disease waiting period, if opted) of continuous coverage after the date of inception of the first policy with us.

30 days waiting period

A waiting period of 30 days from the Inception Date of the Policy will be applicable for all hospitalization claims except in case of accidents and policies accepted under portability norms.

First 90 days Waiting Period & survival period (applicable only to CI add-on)

From the policy inception date, there will be a waiting period of 90 days before the symptoms of any critical illness first occur for you to be able to make a claim. A 30 days survival period will also apply.

2 Years Waiting Period

Two Years Waiting Period will be applicable for specific illnesses.

Personal Waiting period

A special waiting period not exceeding 48 months, may be applied to individual Insured persons for the list of acceptable Medical Ailments listed .Underwriting Loading & Special Conditions, depending upon declarations on the proposal form and existing health conditions. Such waiting periods shall be specifically stated in the Schedule and will be applied only after receiving your specific consent.

Claims Process

For any queries related to claims, kindly connect with us at 1800-419-1159(toll-free number) or send an e-mail to us at

For more information on hospital network Click Here

For accessing claims forms



It is a health insurance plan that strengthens your existing plan to give you a higher sum insured and a wider cover to meet your medical expenses. You can take it as an independent policy or as a top up to your existing plan.

One can choose between 1 year, 2 years and 3 years term.

In cases where your existing medical cover is not sufficient enough to cover your medical expenses, Super Top Up helps increase the sum insured and provider wider coverage at an affordable premium.