ManipalCigna Super Top-up Plan

Overview

ManipalCigna Health Insurance offers additional coverage with its Super Top-up plan, complementing your existing health insurance policy. This plan provides extra coverage on top of a standard health insurance plan. While a standard health plan has a fixed sum insured and coverage terms, the ManipalCigna Super Top-Up Plan activates once the existing health insurance policy's sum insured has been depleted.

The ManipalCigna Super Top-Up Plan is valuable when the maximum payout from a base health insurance policy is exhausted or insufficient, offering additional protection to the insured. To provide maximum benefit, the plan comes in two variants: Super Top-up Plus and Super Top-up Select.

ManipalCigna Super Top-Up offers various 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. The policy includes multiple benefits such as ambulance cover, AYUSH treatments, and pre & post-hospitalization coverage.

Exclusions

Conditions Not Covered

Permanent diseases or health conditions that are not included under the ManipalCigna Super Top-up plan are:

• Hospitalization due to war, riot, strike, and nuclear weapons
• Intentional self-injury
• AIDS
• Miscarriage and abortion
• Congenital disease
• Infertility and in vitro fertilization

Waiting Periods

Certain diseases and treatments are covered under this plan after a specific waiting period. Read the details below:

• Listed ailments after 24 months
• Pre-existing diseases after 48 months