ManipalCigna Super Top-Up Plan - Premium, Benefits and Review
Buy Now
Summarize with
ChatGPT Claude Perplexity
ManipalCigna Health Insurance ManipalCigna Health Insurance ★ 4.4

ManipalCigna Super Top-up Plan

This Super Top-up plan provides extensive support to insured individua ...Read More

Up to 1 Cr
Sum insured
1
No. of plans
77+
Pan India presence
98%
Claim settlement ratio
📄 Download brochure
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,706 reviews
🏥 15,000+ hospitals
📊 1.76 solvency ratio
✅ 98% claim settlement

About ManipalCigna Super Top-up Plan

A quick read on what this ManipalCigna Health Insurance plan covers and why it might be a fit for you.

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.

Plan at a glance

Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.

Entry age
18 years to No maximum limit
Plan type
Individual and Family Health Insurance
Sum insured options
₹3 L, ₹4 L, ₹5 L, ₹7 L, ₹10 L, ₹15 L, ₹20 L, ₹25 L, ₹30 L
Waiting period
30 days
Renewability
Lifelong
Policy term
1,2,3 years

*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.

Pros & cons

A quick honest summary — the strengths and the trade-offs.

Pros

  • AYUSH treatment
  • Modern treatment cover
  • Organ donor expenses

Cons

  • Maternity cover
  • Global cover
  • No OPD cover
  • Domiciliary care unavailable

What's covered

Every CMS-driven coverage flag from the plan wording — only items with a published value render below.

Hospitalization

  • Room rent Covered
  • ICU charges Covered
  • Pre-hospitalization Covered
  • Post-hospitalization Covered
  • Domiciliary hospitalization Not covered
  • Day-care treatment Covered
  • OPD charges Not covered
  • Covid-19 treatment Covered
  • Cataract Not covered

Bonuses & restoration

  • No-claim bonus Covered
  • Automatic restoration of SI Not covered
  • Daily hospital cash Not covered

Family & special care

  • Maternity cover Not covered
  • New-born baby cover Not covered
  • IVF treatment Not covered
  • AYUSH treatment Covered
  • Organ donor expenses Covered

Modern & preventive care

  • Modern treatment Covered
  • Road ambulance Covered
  • Air ambulance Not covered
  • E-consultation Not covered
  • Health check-up Not covered
  • Second medical opinion Covered
  • Vaccination Not covered

Conditions & global

  • Co-payment Not covered
  • Sub-limits Not covered
  • Compassionate travel Not covered
  • Global coverage Not covered

Video reviews

Walkthroughs from the PolicyX team — pros, cons, real claim experiences and who should buy.

Manipal Cigna Health Insurance Plan Detailed Review

Manipal Cigna Health Insurance Plan Detailed Review

This video describes manipal cigna health insurance plan in the detailed review. Know about all the details and plan options Manipal Cigna offers.

ManipalCigna Health Insurance Network Hospital List

ManipalCigna Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, ManipalCigna Health Insurance ensures that you are medically secured, irrespective of the city you reside in.

Delhi Mumbai Bengaluru Chennai Kolkata Hyderabad Pune Ahmedabad Jaipur Lucknow

Know More About Network Hospitals →

Inclusions & exclusions

What the plan pays for, and what it doesn't.

Exclusions

  • 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
  • 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

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • Entry age: 18 years to no upper age limit
  • Policy term: 1/2/3 years
  • Initial waiting period: 30 days
  • Sum Insured: 3 to 30 Lakhs

Other features & benefits

  • In-patient hospitalization
  • Pre & post-hospitalization
  • Daycare procedures cover

ManipalCigna Super Top-up Plan: FAQs

The 15 most-asked questions about ManipalCigna Super Top-up Plan, answered.

Yes, ManipalCigna Super Top-up policy comes with a Critical Illness Add On Cover, which covers up to 11 listed critical Illnesses.
One can choose to pay their ManipalCigna Super Top-Up policy premium in a Single, Annual, Half-yearly, Quarterly, or Monthly mode.
Yes. the premiums paid under the Policy are eligible for income tax benefit under Sec 80 D of the Income Tax Act.
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.
No, you do not need to undergo any medical check-ups up to 55 years of age.
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.
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.
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.
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.
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.
Yes, you can cover self, spouse & children on an individual & family floater basis. A separate floater plan can be opted for parents.
Minimum age at entry: Child – 91 days, Adult – 18 Years Maximum age at entry: Child – 23 Years, Adult – No Limit
No, there is no room rent capping, any category of a hospital room can be opted up to the policy Sum Insured.
Request for cancellation shall be intimated to ManipalCigna by giving 15 days’ notice.
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.

Explore ManipalCigna Health Insurance

Health Insurance Articles

Health Insurance Premium Calculator

PolicyX.com premium calculator offers premium comparison for some of the best health plans in India. Input your details and find the most suitable health insurance policies for your requirements.

Written and reviewed by

PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.

Written by Simran saxena — Health and Term Insurance Reviewed by Raj Kumar — Health Insurance
Last updated: 7 Aug 2023 · Originally published: 25 Oct 2024

Compare Health Insurance Plans

Select a company and plan for each side to see a detailed side-by-side comparison.

Other Health Insurance Companies

Star Health Insurance HDFC Ergo Health Care Health Insurance Aditya Birla Health ICICI Lombard Health Bajaj Allianz Health Tata AIG Health SBI Health Insurance

Share your Valuable Feedback

Rating Icon 4.4

Rated by 2,692 customers

Was the Information Helpful?

Select Your Rating

We would like to hear from you

Let us know about your experience or any feedback that might help us serve you better in future.

Reviews and Ratings

Do you have any thoughts you'd like to share?

📞 Call Free