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Manipal Cigna Health Insurance Plan Detailed Review
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. Reasons to purchase a ManipalCigna Top-Up plan include lower premiums, increased security, and protection for your savings. 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.
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. 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
