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:
|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
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.
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.
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:
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.)
The plan comes with the benefit of lifetime renewability.
One can avail of tax benefits under Sec 80D of Income Tax Act 1961.
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
|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|
|Guaranteed continuity on deductible||Available|
|Reduction of PED waiting period||Available|
|Critical Illness Cover||Available|
| 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
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
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:
Let's discuss the renewal process of Manipal Cigna Health Insurance. Follow the below steps to renew your policy easily:
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