ManipalCigna Super Top-up Plus Plan

Overview

"It's Super Easy, Super Affordable."

The ManipalCigna Super Top-up Plus Plan is an additional protection you can buy to expand your base health plan’s coverage benefits. ManipalCigna's Super Top-up Plan has two variants: Plus and Select.

This plan is specially designed to cater to the healthcare needs of policyholders over and above the sum insured limit of their base health insurance policy. This ensures they are assured of medical support without worrying about coverage exhaustion. The ManipalCigna Super Top-up Plus Plan provides in-patient hospitalization, pre and post-hospitalization, and covers daycare procedures, AYUSH treatment for in-patient care, along with other benefits. If you find the sum insured limit or coverage benefits insufficient, this plan offers optional and add-on covers to enhance your well-being.

Read on to know more about this exclusive plan.

Benefits of ManipalCigna Super Top-up Plus

Here are the benefits of the ManipalCigna Super Top-up Plan:

• Non-Medical Expenses Cover

  The cost of non-medical items is paid by the insurer in case of in-patient and daycare hospitalization, provided the items covered are listed in the policy’s terms and conditions.

• Optional Covers

  Optional covers are available, such as:

  • Guaranteed Continuity of Deductible: Allows you to take a separate base policy without a new waiting period to continue coverage (up to the deductible amount), provided you have completed 5 years of the policy tenure. The maximum age of the proposer should be 54 years.
  • Reduction of PED Waiting Period: Facilitates a reduction in the pre-existing diseases’ waiting period from 48 to 24 months.

• Add-on Benefits

  This Super Top-up Plan offers add-on covers:

  • ManipalCigna Health 360 - OPD: With three package options:
    • Package 1: Cashless doctor’s consultation up to the OPD SI.
    • Package 2: Cashless doctor consultations and prescribed diagnostics up to OPD SI.
    • Package 3: Cashless doctor consultations, prescribed diagnostics, and pharmacy up to OPD SI. The maximum limit for pharmacy is 20% of the OPD SI.
  • Critical Illness Add-on Cover: Pays an additional lump sum amount up to 100% of the opted base SI.

• Tax Benefits

  Avail tax benefits against paid policy premiums under Section 80D of the Income Tax Act of India.

Exclusions

• Illnesses resulting from the insured committing an unlawful act or breach of law
• Alcohol, drug, or any substance abuse, or treatment related to complications thereof
• Injury or death caused due to nuclear fuel, radiation, or nuclear war
• Foreign invasion or civil war
• Attempted suicide or suicidal acts
• Self-inflicted injury
• Unproven treatments
• Sterility and infertility
• Excluded providers
• Cosmetic or plastic surgery

Need More Information?

Are you worried your health insurance is insufficient to help you in times of distress? Get covered for your healthcare emergencies over and above your base health policy with the ManipalCigna Super Top-up Plan.

Got more questions? Reach out to the health insurance experts at PolicyX at 1800 4200 269 to resolve all your queries.