ManipalCigna Super Top-up

Have you ever thought about what you will do if your health plan gets exhausted? How will you afford the expenses if any member of your family gets severely ill, and your health plan is unable to cover the entire expenses?

Well, if you are worried about such circumstances then ManipalCigna Super Top-up is an ideal plan for you. The plan offers an added boost to your basic health plan that keeps you covered above and beyond your health plan. To offer the maximum benefit to the policyholder, the plan comes with two variants that are: Super Top-up Plus and Super Top-up Select.

Let's explore more about the plan:

Eligibility Criteria of ManipalCigna Super Top-up

**Last Updated on 06-05-2021

Key Features of ManipalCigna Super Top-up

There are a number of plans available in the market but what plan to choose is a big question for every individual thinking of opting health insurance. One should always be aware of the key features of the availed policy. Let's understand the key features of ManipalCigna Super Top Up in detail that helps you to lead a financially happy and secure life,

1. Guaranteed Cumulative Bonus

   The plan offers guaranteed additional Sum Insured as a Cumulative Bonus at the time of renewal, irrespective of claim in the expiring policy, maximum up to 50% of Sum Insured.

2. Optional Covers

   The plan offers 3 optional covers that allow the customers to customize their plan as per their needs and requirements. The available optional covers are:

   • Guaranteed Continuity on Deductible:
     With this cover, a policyholder has an option to opt for a separate base policy with guaranteed continuity on waiting periods. This cover is available at the time of purchase and for insured aged 54 years or below.
   • Reduction in Pre-existing Disease Waiting Period:
     One has the option to reduce Pre-existing disease (PED) waiting period to 24 months at the time of inception of the policy and shall be applied to all insured persons covered under this policy.
   • Critical Illness Add on Cover:
     If opted, the plan will pay a lump sum benefit up to your opted Sum Insured if the policyholder is diagnosed with any of the covered 11 critical illnesses.

3. Discounts

   The plan offers several discounts to the policyholder such as a Family Discount where one can avail 10% discount for covering 2 and more family members under the same individual policy, a Long-term Discount of 7.5% for opting for 2 years of policy and 10% for opting 3 years single policy term, and Online Renewal Discount of 3% p.a. on the premium at the time of renewal only if the premium is received through NACH or Standing Instruction (where payment is made either by direct debit from the bank account or credit card.)

4. Lifetime Renewability

   The plan comes with the benefit of lifetime renewability.

5. Tax Benefit

   One can avail of tax benefits under Sec 80D of Income Tax Act 1961.

Sample Illustration Of ManipalCigna Super Top-up

To understand how much premium is payable under this super top-up plan for the Individual plan and Floater plan lets take a look at the below graph:

Graph Illustrating the Premium Amount Paid Under ManipalCigna Super Top-Up Plan

What Is Covered Under ManipalCigna Super Top-Up Plan?

**Last Updated on 06-05-2021

What Is Not Covered Under ManipalCigna Super Top-Up Plan?

• Investigation & Evaluation
• Hazardous or Adventure sports
• Cosmetic or Plastic Surgery
• Treatment for Alcoholism, drug or substance abuse or any addictive condition and consequences thereof.
• Obesity/ Weight Control
• Change-of-Gender treatments
• Dietary supplements and substances that can be purchased without prescription
• Treatments received in health hydros, nature cure clinics, spas or similar establishments
• Breach of law