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ManipalCigna Health Insurance Top-up & Super Top-up Plans

299 reviews Rate This
Claim Settlement Ratio88.00%
Network Hospitals8,700+
Pre-existing Disease Coverage From2 years
Pre-existing Disease Waiting Period2 years
Special BenefitsUnlimited Restoration
Starting Premium (for 5L SI)Rs. 566/month
Starting Premium for Rs. 5 lakhs SIRs. 566/month
Starting Premium of Rs. 5 lakhs SIRs. 566/month

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ManipalCigna Health Insurance Plan List

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Top-up & Super Top-up of ManipalCigna Health Insurance

Super Top-up of ManipalCigna Health Insurance

A super top-up policy is similar to top-up health insurance in that it provides the insured with additional coverage in addition to their existing health insurance policy. A standard health insurance policy has a maximum sum insured amount above which no coverage is provided. This is where a super top-up health insurance policy comes into play, since it kicks in once the existing health insurance policy's sum insured has been depleted or if the claim has not been resolved.These plans cover the total of all hospitalization bills over and above the threshold limit. One such useful health insurance policy is offered by ManipalCigna, named Super Top-Up Policy.

ManipalCigna Health Insurance

Super Top-Up Manipal-Cigna In the event that the maximum payout from a base health insurance policy is spent or insufficient, the policy provides additional protection to the insured. The policy comes with a variety of deductible alternatives that you can select when purchasing the policy. The deductible is the amount you must pay out of pocket or from your basic health insurance policy.Kindly note that you can buy this policy even if you do not have a base health insurance policy. But in that case, you will be required to pay the expenses out of your own pocket until you exceed the deductible limit and the super top-up policy comes into the scene. Therefore, although it is not mandatory, it is recommended to have a basic health insurance policy with ManipalCigna Super Top-Up Health Insurance Policy.

Key Benefits of Super Top-Up Policy

Super top-up insurance policy offered by ManipalCigna Health Insurance is a suitable health insurance policy for most people who are looking for additional coverage over and above their base health insurance policies. The policy offers several advantages to the insured, some of which are listed below:

  • Additional coverage for sum insured options between Rs. 1 Lakh and Rs. 30 Lakh at an affordable premium
  • Tax saving, on the premium paid for this policy, under Section 80D of the Income Tax Act, 1961
  • Flexibility to choose any hospital room
  • Cover for treatments taken under AYUSH systems of medicines as both allopathic as well as in-patient
  • Guaranteed cumulative bonus
  • Cover for pre-hospitalisation and post-hospitalisation expenses for up to a specific number of days
  • Organ donor expenses

Who Can Buy This Plan?

People aged at least 18 years years are eligible to buy this policy. The good news is that there are no restrictions on the maximum age at which this policy will cover you. If your children are at least 23 years old, you can add them as a floater to this policy.

Waiting Period Under The Plan

The policy has a 30-day waiting period after which no claims will be accepted unless they are caused by an accident. A 24-month waiting period must be completed for specified diseases or operations.

Renewability of the Policy

Super Top-Up Policy comes with a lifetime renewability benefit, which means that there is no restriction on the maximum age to get the policy renewed. You can renew the policy with mutual consent by paying the required premium on time, before the policy expiry date.

Exclusions Under The Plan

Super Top-up Policy does not cover you for the following expenses:

  • Alcohol, drug, or any substance abuse
  • Foreign invasion or civil war
  • Admission for the purpose of evaluation or investigation
  • Contamination from nuclear fuel or radiation
  • Any illness arising due to the insured committing a breach of law

In case of any doubt or further information, you can connect with the customer care executives at InsuranceDekho or read the policy wording thoroughly.

Key Features of ManipalCigna Critical Illness Insurance Policy

ManipalCigna critical insurance comes with certain features. Key features of the plan are as follows:

  • Portability option
  • Cashless treatment
  • Lifelong renewability
  • Medical second opinion
  • Discounts on policy premiums

ManipalCigna Critical Illness Plan is a solution to avail the best treatment if you or other insured members are diagnosed with a critical illness.

Save Tax upto ₹75000*
Under Section 80D

*Tax benefits are subject to changes in Income Tax Act.

ManipalCigna Health Insurance Plan List

    Name of PlanSum Insured
    Prime Check Premium
    ProHealth Prime Check Premium
    Prime Senior Health Insurance Plan Check Premium
    Arogya Sanjeevani PolicyMin: 3 months; Max: 65 years1 Lakh - 5 Lakh Check Premium
    Corona Rakshak PolicyMin: 18 years; Max: 65 years50 Thousand - 2.5 Lakh Check Premium
    Lifetime Health Insurance PolicyMin: 91 Days; Max: 65 years Check Premium
    Corona Kavach PolicyMin: 1 day ; Max: 65 years50,000 - 5 lakh Check Premium
    Lifestyle Protection Critical CareMin: 18 Years; Max: 65 Years1 Lakh Check Premium
    Pro HealthMin: 91 Days; Max: No Limit2 Lakh Check Premium

    ManipalCigna Health Insurance User Reviews

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    What users are saying
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    • InsuranceDekho always offers a smooth buying process. I bought from them the ManipalCigna Health Insurance Pol...

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      By Harish Pawar
      On: Aug 24, 2023
    • I am happy to have bought the Care Health Insurance- Joy at InsuranceDekho. I bought it on a friend’s re...

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      On: Aug 11, 2023
    • At InsuranceDekho, it was easy to fill quotes. I visited the portal, filled out a quote and shortlisted the mo...

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      By Malvika Sondhi
      On: Aug 08, 2023
    • One of my friends suggested that I buy the Care Health Insurance (Religare)- Joy as it offered enhanced covera...

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      By Khush Batra
      On: Jul 31, 2023
    • Loved my experience at InsuranceDekho. You can buy the plan anytime at your convenience. Super-friendly staff ...

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      By Vishesh Despande
      On: Jul 19, 2023
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    ManipalCigna Health Insurance Contact Details

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    Claim Process at ManipalCigna Health Insurance

    • Network Hospital
    • Non-Network Hospital
    • 1

      Claim Assistance

      For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
    • 2

      Claim Intimation

      Emergency hospitalisation needs intimation within 48 hours and for planned hospitalisation intimate within 3 days prior to admission.
    • 3

      Claim Processing

      Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
    • 4

      Claim Settlement

      Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
    • 1

      Claim Assistance

      For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
    • 2

      Claim Intimation

      Emergency hospitalisation needs intimation within 48 hours and for planned hospitalisation intimate within 3 days prior to admission.
    • 3

      Claim Processing

      Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
    • 4

      Claim Settlement

      Once your request for reimbursement of expenses is approved, the claim will be settled.

    2500 ManipalCigna Cashless Network Hospitals in India

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