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

Get Quotes From Top Insurers



Cover For
D.O.B (eldest member)



Phone No.

By proceeding you are accepting our privacy & terms

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

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 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

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 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

Insurance Calculator

Find Out What Customers Are Saying

(Showing latest 5 reviews only)

- 4.3/5 (17 Total Rating)

May 7, 2021

Vivaan Kumar Sanghwi


Just got my ManipalCigna Health Insurance renewed today. I feel this is the best gift I can give to me and my family members. The company looks after all my healthcare needs. Thank you ManipalCigna for looking after my health so well.

May 7, 2021

Vidya Bansal


Just one word for the company "AMAZING" ManipalCigna very well understands the needs of its customers and offers a wide variety of plans looking at the healthcare needs of every segment.

May 7, 2021

rahul yadav


i bought prohealth plan from cigna. the best feature was international coverage offered by the company. pricing is also not too bad.

May 8, 2018



I got the Cigna TTK Pro Health Plan the coverage is around 15 lakh Rupees for my family.They are having good tie ups with the hospitals.

May 7, 2021

Sunil Saraf


Got my claims settled today. Without any hassles, without several formalities, just got my claims settled in a jiffy. Thankyou ManipalCigna for understanding your customers need. Would definitely recommend the company to all my kins.

Last updated on 06-05-2021

Get Instant Quotes