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

In such a case, Super Top- Up plans are of help.

Manipal Cigna Super Top-Up 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.

ManipalCigna Super Top-up policy comes with several benefits such as an ambulance cover, AYUSH treatments, pre & post-hospitalization coverage, etc.

Let's explore more about the plan:

Eligibility Criteria of ManipalCigna Super Top-up

Minimum Entry Age Child - 91 days, Adult - 18 years
Maximum Entry Age Child: 23 years (family floater policy)
Adult: No limit
Sum Insured Rs. 1 Lakhs to Rs. 30 Lakhs
Policy Period 1, 2 and 3 years
Relationships Covered Individual Policy: Self, spouse, children, parents, siblings, parents-in-law, grandparents, grandchildren, son-in-law, daughter-in-law, uncle, aunt, nephew and niece
Family Floater: Self, spouse, children up to the age of 23 years or parents (a maximum of 2 adults and 3 children can be covered under a single policy)

**Last Updated on August, 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 policy. Let's understand the key features of ManipalCigna Super Top Up in detail.

  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, let's take the instance of a male aged 30 years with an existing cover of 10 lakh INR. In the below graph we're representing the premium has to be paid by him for three different types of the top-up amount i.e. 10 lakh, 20 lakh, 30 lakh.

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

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

What Is Covered Under ManipalCigna Super Top-Up Plan?

In-patient Hospitalization Expenses Covered
Day Care Treatment Covered
Pre - hospitalization Covered, up to 60 days
Post - hospitalization Covered, up to 90 days
Road Ambulance Cover Available, Actual expenses per hospitalization even
Donor Expenses Covered, up to the sum insured
Guaranteed Cumulative Bonus Available. 5% of SI per year maximum up to 50% of Sum Insured
Optional Covers
Guaranteed continuity on deductible Available
Reduction of PED waiting period Available
Add-On Cover
Critical Illness Cover Available
Waiting Period
First 24 months from the Policy start date for Specific illnesses
First 30 days from the Policy start date, for all illnesses except Accidents.
48 months waiting period will be applicable for any Pre-existing disease

**Last Updated on August, 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

How To Buy ManipalCigna Super Top-Up Plan?

Buying your ManipalCigna Super Top-up policy is an easy and hassle-free process. Follow the below steps to buy your Super Top-up Insurance plan:

Through the Official website of ManipalCigna

  • Visit the official website of Manipal Cigna Health Insurance and click on the 'Quick Quote' tab.
  • Fill up all the required details and click on 'View Quote'.
  • Choose the plan as per your needs and make the payment online.
  • Your policy document will be mailed to you at your registered email address.

If you are unable to buy your policy, do not worry. We are here to help. Follow the below-mentioned steps and buy your policy through our portal:

  • Navigate to the top of this page and fill in the details in the 'Calculate ManipalCigna Health Insurance Premium' form.
  • The next page will show you all the quotes from different companies. Select your favorite ManipalCigna plan and click on "Buy Now".
  • Pay the premium online and your policy document will be shared on your registered email address.
Buying From ManipalCigna Health Insurance
Buying From Policyx Website ManipalCigna Health Plan

How Can I Renew My ManipalCigna Super Top-Up Plan Online?

Let's discuss the renewal process of Manipal Cigna Health Insurance. Follow the below steps to renew your policy easily:

  • Visit the official website of Manipal Cigna Health Insurance and click on the 'Renew' option.
  • Enter your policy number and click 'Proceed' Fill in other information, if prompted.
  • You will get the renewal premium amount.
  • Click on the 'Pay now' option to make the online payment.
  • On successful payment, you will receive a policy transaction number. A new policy kit will be emailed to you within 48 hours.

How To File A Claim For ManipalCigna Super Top-Up Plan?

Cashless Process

  • Inform the company about planned (48 hours prior) or unplanned (within 24 hours) hospitalization.
  • Provide the health card and ID proof at the network hospital.
  • Then, the network hospital will send the pre-authorization form and medical records to ManipalCigna, which will verify all the details.
  • During discharge, the network hospital will send the discharge summary to the company authorizing the amount.
  • Once everything is sorted, ManipalCigna will make the payment to the network hospital.

Reimbursement Process

  • Intimate the company about the hospitalization. Get the treatment done and pay the expenses.
  • During discharge, collect all the necessary documents such as original hospital bills, receipts, discharge summary, investigation reports, pharmacy bills, and submit them to ManipalCigna with the duly filled claim form.
  • ManipalCigna will assess the documents.
  • If the claim is approved, the amount will be transferred to your registered bank account.

Manipal Cigna Important Links

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.

Find Out What Customers Are Saying

(Showing latest 5 reviews only)

- 4.3/5 (50 Total Rating)

May 26, 2022



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

March 25, 2022

jasvinder singh


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

February 21, 2022

diya sharma


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

November 22, 2021

Ramesh Kumar


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

October 28, 2021

Ravi Rajora


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

Last updated on August, 2021

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