Top-up Plans

ManipalCigna Top-Up Plans

ManipalCigna Health Insurance's Top-Up Plans are a convenient way to obtain the financial boost required above and beyond your basic health insurance plan. Top-up plans are beneficial in the event of a medical emergency that your primary health insurance plan does not cover. Top-up plans supplement your basic health insurance plan in the event of an emergency, but they can also be purchased as a standalone health insurance plan.

Why Purchase a ManipalCigna Top-Up Plan?

• Lower premiums
• Increased security
• Protection for your savings

ManipalCigna Super Top-Up Plan Overview

The ManipalCigna Super Top-Up plan offers sums insured ranging from 1 lakh to 30 lakh INR to policyholders. The plan is available as an individual and family floater plan, including access to over 8500+ cashless network hospitals for treatments. ManipalCigna's Super Top-Up plan comes in two variants: Super Top-Up Plus and Super Top-Up Select.

Benefits of ManipalCigna Super Top-Up Plans

ManipalCigna Super Top-Up plans include:

• Pre and post-hospitalization
• In-patient hospitalization
• Day-care treatment
• Road ambulance coverage
• Organ donor coverage
• And other benefits

Key Benefits of ManipalCigna Top-Up Plan

ManipalCigna Super Top-Up health insurance plan offers a multitude of benefits to its policyholders:

• Tax Benefits: The ManipalCigna Super Top-Up Plan is eligible under the Income Tax Act 1981. Premiums paid for the plan are eligible for tax deductions.
• Critical Illness Cover: The ManipalCigna Super Top-Up offers a critical illness rider covering 11 listed critical illnesses. This additional cover is available upon payment of an extra premium.
• Waiting Period Reduction: The ManipalCigna Super Top-Up plan offers the option to reduce the pre-existing disease waiting period to 24 months from policy inception. This optional coverage is available at the time of purchase.
• High Sum Insured Options: The ManipalCigna Super Top-Up health insurance plan provides adequate sum insured options for individuals seeking additional funds for medical emergencies. Sum insured options range from 3 lakh to 30 lakh INR.
• Cumulative Bonus: With the ManipalCigna Super Top-Up Health Insurance policy, all policyholders can enjoy a 5% increase in the Sum Insured per policy year, up to a maximum of 50% of the Sum Insured, irrespective of claims.

ManipalCigna Top-Up Plan Inclusions

ManipalCigna Top-Up Plans include:

• In-patient Hospitalization
• ICU Charges
• Pre-hospitalization
• Post-hospitalization
• Day Care Treatment
• Domiciliary Hospitalization
• Road Ambulance Cover
• Organ Donor Expenses
• Ayush treatment
• Home Treatment

ManipalCigna Top-Up Plan Exclusions

ManipalCigna Top-Up Plans exclude:

• Hospitalization primarily for investigation/diagnostic purposes
• Alternative Treatments (Non-Allopathic treatments)
• HIV infection/AIDS
• Cosmetic or sex-change treatments/surgery
• Alcohol consumption, smoking, other tobacco intake, or drug abuse
• Intentional self-injury, suicide, or attempted suicide
• Any breach of law or participation in an actual or attempted felony, riot, crime, misdemeanor, or civil commotion
• War, terrorism, or nuclear weapons