Super Top-up Plan
  • Boost Your Health Coverage
  • Eligibility Criteria and Features
  • Inclusions & Exclusions
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ManipalCigna Super Top Up

Manipal Cigna Super Top Up is similar to top-up health insurance. It provides the insured with additional coverage and their existing health insurance policy. Manipal Cigna Super top-up plan provides additional coverage on top of a standard health insurance plan. A standard health plan will have a fixed amount of sum insured and coverage terms and this is where Manipal Cigna Super Top Up Plan comes into play. It kicks in after the existing health insurance policy's sum insured has been depleted or if the claim has not been resolved.

Manipal Cigna Super Top-Up Plan is resourceful in the event that the maximum payout from a base health insurance policy is exhausted or insufficient, the manipalcigna super top-up policy provides additional protection to the insured. 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.

Manipal Cigna Super Top-Up comes with various deductible alternatives that you can select when investing in the policy, it is the amount you must pay out of pocket or from your basic health insurance policy. Manipal Cigna Super Top Up policy has multiple benefits like ambulance cover, AYUSH treatments, pre & post-hospitalization coverage, etc.

Manipal Cigna Super Top Up Plan Specifications

Entry Age

Minimum: Children- 91 days to 23 years

Adult Entry Age

Adult: 18 years
Maximum: No age bar

Policy Term

1/2/3 years

Plan Type

Individual/ Family Floater

Sum Insured

3 L | 4 L | 5 L | 7 L | 10 L| 15 L | 20 L | 25 L | 30 L

Initial Waiting Period*

30 Days*

*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.

Read more specifications in the brochure.

Choose your Manipal Cigna Super Top Up Plan

With wide coverage options, Manipal Cigna Super Top Up Plan lets you customize your health insurance plan as per your requirements:

Coverage for SI: 3L - 30L

In-patient & Out-patient Coverage

Room Rent


ICU Charges



Covered up to 60 days


Covered up to 90 days

Domiciliary Hospitalization

Not Covered

Daycare Treatment


OPD Charges

Not covered

Coverage Terms

COVID-19 Treatment

Not Covered


Not Covered

No Claim Bonus

5% of SI

Automatic Restoration

Not Available

Daily Hospital Cash

Not Available

Organ Donor

Covered up to SI

Maternity Cover

Not Available

New Born Baby Cover

Not Available

Alternative Treatments

AYUSH Treatment


IVF Treatment

Not Available

Modern Treatment


Emergency Coverage



Air Ambulance

Not Available

Compassionate Travel

Not Available

Global Coverage

Not Available

Wellness Programmes


Not Available

Health Check-Up

Not Available

Second Medical Opinion

Available for 15 listed Critical Illnesses


Not Available



Not Applicable


Not Available

What is Room Rent?

The room rent limit is the maximum amount of bed charge that you can claim if you are hospitalized.

Common Room categories covered under room rent are:

  • Private Single AC Room
  • Twin Sharing
  • General Ward

Coverage status under Manipal Cigna Super Top Up Plan?

Under Manipal Cigna Super Top Up Plan, the room rent is covered up to the SI.

What are ICU Charges?

It is a special department in the hospitals where patients with serious medical conditions are treated.

Coverage status under Manipal Cigna Super Top Up Plan?

Under this plan, ICU charges coverage is available up to the SI.

What is Pre Hospitalization?

Medical expenses incurred before the hospitalization of the policyholder.

Coverage status under Manipal Cigna Super Top Up Plan?

This plan covers medical expenses incurred during pre-hospitalization for up to 60 days.

What is Post Hospitalization?

Medical expenses incurred after the discharge of the policyholder from the hospital.

Coverage status under Manipal Cigna Super Top Up Plan?

This plan covers medical expenses incurred during post-hospitalization for up to 90 days.

What is Domiciliary Hospitalization?

Home hospitalization arrangements for the insured person due to the unavailability of medical amenities in hospitals. The treatment should last equal to or more than 72 hrs to get financial coverage.

Coverage status under Manipal Cigna Super Top Up Plan?

Under Manipal Cigna Super Top Up Plan, domiciliary hospitalizations is not covered.

What is Daycare Treatment?

Treatments that can be treated in less than 24 hours of hospitalization like blood dialysis, cataract, etc.

Coverage status under Manipal Cigna Super Top Up Plan?

This plan covers expenses of all daycare procedures up to S.I.

What are OPD charges?

Covers the cost of doctor consultation and prescribed medical tests that may not require hospitalization.

Coverage status under Manipal Cigna Super Top Up Plan?

Not covered under the plan.

What is COVID-19 Treatment?

COVID-19 treatment includes the cost of treatment for COVID-19 with a confirmative diagnosis from Govt. approved Centre.

Coverage status under Manipal Cigna Super Top Up Plan?

COVID-19 treatment cover is not available under this plan.

What is Cataract Treatment?

A common eye condition in which your vision gets blurred.

Coverage status under Manipal Cigna Super Top Up Plan?

The plan does not cover Cataract Treatment.

What is a No-Claim Bonus?

For every claim-free year, insurance companies reward policyholders with an increase in the Sum Insured amount as a no-claim bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage that varies from plan to plan.

Coverage status under Manipal Cigna Super Top Up Plan?

The plan offers a 5% of SI per year, maximum up to 50% of the Sum Insured.

What is Automatic Restoration?

Automatic restoration is a benefit in which an insurance company restores the sum insured amount completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from plan to plan.

Coverage status under Manipal Cigna Super Top Up Plan?

Not Applicable

What is Daily Hospital Cash?

It is a cash amount that you receive each day during the time of hospitalization.

Coverage status under Manipal Cigna Super Top Up Plan?

The daily hospital cash is not available under the plan.

What is an Organ Donor Cover?

It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body.

Coverage status under Manipal Cigna Super Top Up Plan?

Under the plan, Organ Donor expenses are covered up to the SI

What is a Maternity Cover?

It refers to the cover that includes expenses for normal and c-section procedure deliveries.

Coverage status under Manipal Cigna Super Top Up Plan?

Maternity is not covered in this plan.

What is a New Born Baby Cover?

It takes care of the medical expenses that arise due to the hospitalization of the newborn baby in case of unforeseen circumstances. Some of the common treatments that are covered under the newborn cover and these common treatments can vary from plan to plan:

  • Congenital anomaly (conditions since birth)
  • Acute condition
  • Chronic condition
  • Pre-mature delivery
  • Birth asphyxia
  • Day care treatment

Coverage status under Manipal Cigna Super Top Up Plan?

Not covered

What is AYUSH Treatment?

Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.

Coverage status under Manipal Cigna Super Top Up Plan?

The plan covers AYUSH treatment up to SI.

What is IVF Treatment?

In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:

  • Full infertility
  • No fertility
  • Infertility diagnosis
  • Infertility diagnosis and limited fertility treatment
  • Medication (which may or may not include fertility drug prescriptions)

Coverage status under Manipal Cigna Super Top Up Plan?

Not available

What is a Modern Treatment?

Medical treatments that demand the use of modern technology such as robotic surgeries, stem cell therapy, etc.

Coverage status under Manipal Cigna Super Top Up Plan?

Covered up to SI.

What is an Ambulance Cover?

An ambulance is used to move the patient from home to hospital, transfer to another hospital, and take them for different tests outside the hospitals.

Coverage status under Manipal Cigna Super Top Up Plan?

Covered, actual expenses per hospitalization event.

What is an Air Ambulance?

Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.

Coverage status under Manipal Cigna Super Top Up Plan?

Not Covered

What is Compassionate Travel?

Refers to the traveling expenses of a family member of the insured person in case the policyholders get admitted to a hospital outside his/her residential city.

Coverage status under Manipal Cigna Super Top Up Plan?

Not available

What is Global Coverage?

Any kind of medical/health emergency when you are outside of India.

Coverage status under Manipal Cigna Super Top Up Plan?

Not available

What is E-Consultation?

If a policy offers E-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.

Coverage status under Manipal Cigna Super Top Up Plan?

The plan does not cover the expenses for E-consultation.

What is a Health Checkup?

A facility where the policyholder can avail of free health check-ups after fulfilling the company's policies.

Coverage status under Manipal Cigna Super Top Up Plan?

Not Available

What is a Second Medical Opinion?

If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company’s network of medical practitioners.

Coverage status under Manipal Cigna Super Top Up Plan?

Not Available

What is Vaccination cover?

Coverage against the expenses incurred on vaccinations is provided by the insurance companies.

Coverage status under Manipal Cigna Super Top Up Plan?

The plan does not cover vaccination cover.

What is Co-payment?

In the co-payment clause, policyholders have to pay a portion of the hospitalization expense on their own and the insurer will pay the rest of the amount.

Status under Manipal Cigna Super Top Up Plan?

Not Applicable

What is the Sub limit?

Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to be paid by the policyholder.

Status under Manipal Cigna Super Top Up Plan?

No sub-limits are available.

Manipal Cigna Super Top Up Plan Exclusions

Permanent Exclusions

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

Hospitalization out of war, riot, strike, and nuclear weapons

Intentional self-injury

Miscarriage, and abortion

Congenital disease

Infertility and in vitro fertilization

Coverage after Waiting Period

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

Listed ailments after 24 Months

Pre-existing diseases after 48 Months

Manipal Cigna Super Top Up Plan Benefits

Optional Covers

Avail enhanced protection with additional coverage options


Avail Family and Long-Term Discounts

Tax Benefits

Get tax relief under section 80D

Optional Covers

The plan offers several optional covers that allow you to get enhanced coverage and help you to customize your plan as per your needs and requirements.


The plan offers several discounts if one chooses to opt for a long-term policy or add more than 1 family member to their policy. The discounts available under the plan are as follows:

Avail a Family Discount of 10% for covering 2 and more family members under the same individual policy.

Avail 7.5% on opting for 2 years and 10% on opting for a 3 years single policy term.

Avail Online Renewal Discount of 3% p.a. on the premium from the next renewal.

Tax Benefits

Amount paid towards the premium of this plan is eligible for tax relief under Section 80D of the Income Tax Act, 1961.

Explore Manipal Cigna Health Insurance

Know more about Manipal Cigna Health Insurance, its claim process, buying process, and contact details by clicking on the sections below:

Contact Us

Feel free to contact us Manipal Cigna Health Insurance Company

Renewal Process

the renewal process of Manipal Cigna Health Insurance Company

Premium Calculator

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Explore other Manipal Cigna Health Plans

Manipal Cigna Health offers a wide range of health insurance plans to fulfill the medical needs of individuals, families, and senior citizens.

Comprehensive Plan

ManipalCigna ProHealth Prime

A comprehensive plan with SI up to 1Cr and 3 different variants. It is a versatile health insurance plan for your medical needs.

Unique Features

  • Unlimited Tele-consultation
  • Switch off your cover feature
  • Wellness program available

Comprehensive Plan

A high SI plan for women's medical requirements. The plan covers major critical illnesses including cancer treatment.

Unique Features

  • Avail Global OPD
  • Cancer treatment
  • Avail high sum assured

Comprehensive Plan

A comprehensive plan with 5 different variants suitable for individuals and young couples, offering sum insured up to 1Cr.

Unique Features

  • Avail family discount
  • Worldwide emergency protection
  • Avail healthy lifestyle benefits

Affordable Plan

An affordable plan that offers added coverage to the policyholder and keeps them covered above and beyond their basic health plan.

Unique Features

  • Avail no claim bonus
  • Customize plan
  • Avail Coverage from Critical Illness

Affordable Plan

ManipalCigna Pro Health Select

A fully customizable health plan according to your needs with ProHealth Select at an affordable premium.

Unique Features

  • 2 plan variants available
  • Avail customized features
  • Avail long term policy

Affordable Plan

ManipalCigna ProHealth Cash

The plan offers daily cash to the family members of the patient to cover the miscellaneous expenses.

Unique Features

  • Avail worldwide cover
  • Avail online wellness program
  • Lifetime renewal available

Affordable Plan

ManipalCigna Arogya Sanjeevani Policy

An affordable, standard health insurance plan for individuals and family members with up to 10L sum assured.

Unique Features

  • Affordable all India health coverage
  • Avail modern treatments
  • Avail AYUSH Treatment

Affordable Plan

ManipalCigna Corona Rakshak Policy

An affordable plan providing lump sum benefits equal to 100% of the Sum Insured on a positive diagnosis of Covid.

Unique Features

  • Avail lump sum benefit
  • Affordable premiums
  • All India coverage

Affordable Plan

ManipalCigna Corona Kavach Policy

A Standard health insurance plan for Coronavirus disease providing hospital to homecare treatment up to SI.

Unique Features

  • Discounts for health care workers
  • Avail Home care treatment
  • Avail AYUSH treatment

Critical Illness Plan

ManipalCigna Lifestyle Protection Critical Care

A protection plan that offers support to you and your family against up to 30 critical illnesses with a high sum assured to choose from up to 25Cr.

Unique Features

  • Upto 30 critical illnesses covered
  • Avail online wellness program
  • Plan variants available

Accident Plan

ManipalCigna Lifestyle Protection Accident Care

A plan that provides complete protection, on and off the job, including death, disability, loss of job, and financial protection.

Unique Features

  • Loss of job covered
  • upto 10 Cr coverage
  • Avail Rider benefits

Accident Plan

ManipalCigna Saral Suraksha Bima

Personal Accident policy to safeguard you from unexpected expenses arising from death or serious injuries.

Unique Features

  • Avail Accident Death Cover
  • Avail Security for dependant child
  • Permanent Total Disability Cover

Group Plan

ManipalCigna Pro Health Group

A health insurance solution for Employer-Employee and Non-Employer-Employee groups. A plan offering sum assured up to 1Cr.

Unique Features

  • Customizable plans
  • 42 optional covers available
  • Avail Personal accident coverage

Group Plan

ManipalCigna Lifestyle Protection Group Policy

An all-in-one plan offering sum assured up to 50Cr and Umbrella cover of Group - Personal Accident and/or Critical Illness.

Unique Features

  • Flexible base and optional cover
  • Upto 36 critical illnesses covered
  • Cancer-only coverage available

Group Plan

ManipalCigna FlexiCare Group Insurance Policy

A plan offering sum assured up to 5 Cr and a range of covers including Accident, Mediclaim, Surgery, Domestic Travel, and Wellness.

Unique Features

  • Avail wellness packages
  • Customizable coverage
  • Avail home care benefits

Group Plan

ManipalCigna Group Overseas Travel

Group overseas travel insurance offers all-around coverages for business trips, vacations, and more. The plan offers a sum assured up to $ 50 Lac.

Unique Features

  • Customizable plan
  • Travel expense covered
  • Avail adventure sports cover

Group Plan

ManipalCigna Global Health Group Policy

A comprehensive group plan that covers Indian locals and expatriates working abroad under one umbrella with a sum assured of up to $ 10 Million.

Unique Features

  • Avail health care globally
  • Avail wellness package
  • Avail multiple optional covers

Manipal Signa Health Insurance Network Hospital List

Manipal Signa Health Insurance Network hospitals are present in 30 states across the country. With a wide network of hospitals, Manipal Signa Health Insurance ensures that you are medically protected, no matter which city you live in.

Health Insurance Articles

ManipalCigna Super Top-up Plan: FAQs

1. Does the ManipalCigna Super Top-up plan offer any add-on riders?

Yes, ManipalCigna Super Top-up policy comes with a Critical Illness Add On Cover, which covers up to 11 listed critical Illnesses.

2. What Premium payment modes are available under the Super Top-up Insurance plan offered by ManipalCigna?

One can choose to pay their ManipalCigna Super Top-Up policy premium in a Single, Annual, Half-yearly, Quarterly, or Monthly mode.

3. Can I avail of any Tax Benefits under the ManipalCigna Super Top-up Plan?

Yes. the premiums paid under the Policy are eligible for income tax benefit under Sec 80 D of the Income Tax Act.

4. Is there any Co-pay clause under the ManipalCigna Super Top-up plan?

No, the plan does not have any co-pay clause, which means the plan will cover hospitalization bills above the threshold limit of the Deductible amount.

5. Do I need to undergo any pre-medical health checkups before buying the ManipalCigna Super Top-up plan?

No, you do not need to undergo any medical check-ups up to 55 years of age.

6. What are the advantages of the Manipal Cigna Super Top Up Policy?

Super top-up plans are an added protection in scenarios when the maximum payout from a basic health policy gets exhausted or insufficient. It is made for the convenience of policyholders in case their base sum insured is exhausted.

7. Is there any difference between regular top-up and super top-up plans?

Yes, there is a difference as Super Top Up plans are similar to top-up plans, except that the Top Up plan covers a single claim above the threshold limit, while the Super Top Up plan covers the total of all hospitalization bills above the threshold limit.

8. What are deductibles in a Top Up health plan?

Deductible can make or break the efficacy of your health insurance plan. It is the amount that you have to pay for – either out-of-pocket or from your basic health insurance policy – before your health insurance top-up kicks in.

9. Are there special conditions applicable for pre-existing diseases in this policy?

The company may apply a risk loading on the premium payable (excluding Statutory Levies and Taxes) or Special Conditions on the policy based upon the health status of the persons proposed for insurance.

10. Does this policy provide AYUSH cover?

Yes, AYUSH covers in-patient treatment under Ayurveda, Yoga, Naturopathy, Unani, Siddha, and Homeopathy for an illness or injury that occurs during the policy year. Coverage is available up to the sum insured under specific conditions.

11. Can I cover myself and a family member under this policy?

Yes, you can cover self, spouse & children on an individual & family floater basis. A separate floater plan can be opted for parents.

12. What is the minimum and maximum entry age of this policy ?

Minimum age at entry: Child – 91 days, Adult – 18 Years
Maximum age at entry: Child – 23 Years, Adult – No Limit

13. Is there any room rent capping?

No, there is no room rent capping, any category of a hospital room can be opted up to the policy Sum Insured.

14. Can I cancel my policy anytime?

Request for cancellation shall be intimated to ManipalCigna by giving 15 days' notice.

15. Is there any additional benefit provided if I purchase the policy online?

No, currently no online purchase benefits are offered. However, a discount of 3% on the premium from the next renewal, if the premium is received through NACH or Standing Instruction.

ManipalCigna Super Top-up Plan Review

Read what customers have to say about ManipalCigna health Plan.

Customer Review Image

Santokh Singh Sethi


September 14, 2022

I was great experience with policyx, the way the compare the plan is very good and web site is also easy to understand... I will suggest go with Policyx only

Customer Review Image



May 26, 2022

Good company, satisfied with the plan bought from ManipalCigna and also with all the benefits the plan provides me with.

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jasvinder singh


March 25, 2022

very nice service by and as well from manipal cigna during the claim period. easy claim settelment.

Customer Review Image

diya sharma


February 21, 2022

only big companies are trusted generally but new companies are also good. satisfied service and customer satisfaction is full

Customer Review Image

Ramesh Kumar


November 22, 2021

they have great impressive plans to offer. very amazing and helpful customer service. helped me a lot at the time of claim settlement

Customer Review Image

Ravi Rajora


October 28, 2021

Quick reimbursement process with good and supportive claim team... customer care team is very efficient and helpful.

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deepankar singh


October 26, 2021

Good company with supportive customer care. I am very happy with the way the company settled my claim.

Customer Review Image

Vishal Malhotra


October 6, 2021

A few months back, I purchased a health plan from Manipal Cigna. I must say that the company offers helpful services

View All ManipalCigna Super Top-up Plan Reviews