Super Top Up Plan
vs
Family Floater Mediclaim Policy
- 100+ top health insurance plans
- Premium starting @Rs. 19/day*
- No medical check-ups required
| PLAN DETAILS |
 Super Top Up Plan |
 Family Floater Mediclaim Policy |
| Premium Including GST | ||
| Product Type | Individual and Family Health Insurance | Family |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Not Covered | Not Covered |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
Covered | Covered |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
Not Covered | Not Covered |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
Covered | Covered |
| Post-hospitalization (Expenses after discharge from the hospital) |
Covered | Covered |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
Covered | Covered |
| Hospital_network (Number of Hospital Network in city) |
8500 | 3000 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Covered | Covered |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
Not Covered | Covered |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Covered | Covered |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Not Covered | Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Not Covered | Covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Not Covered | Not Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Not Covered | Covered |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Not Covered | Covered |
| Plan Entry Age | 18 years to No maximum limit | 18 to 65 Years |
| Plan Premium Entry Age and S/A | NA | 2,636 |
| Plan Waiting Period | 30 | 30 |
| Plan Coverage | Top-up & Super Top-up cover | - |
| Plan Sample Premium | NA | 2,636 |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1,2,3 years | 1,2,3 Years |
| ICU Charges | Covered | Covered |
| Covid-19 Treatment | Covered | Covered |
| Cataract | Not Covered | Covered |
| Automatic Restoration | Not Covered | Not Covered |
| Ayush Treatment | Covered | Covered |
| Modern Treatment | Covered | Covered |
| E Consultation | Not Covered | Not Covered |
| Air Ambulance | Not Covered | Not Covered |
| Global Coverage | Not Covered | Not Covered |
| Claim Ratio | 99.96 | 90.73 |
| Solvency Ratio | 1.5 | 1.8 |
ManipalCigna Health Insurance provides the insured with additional coverage and their existing health insurance policy with their Super Top-up plan. This plan from ManipalCigna Health Insurance Company provides additional coverage on top of a standard health insurance plan. A standard health plan will have a fixed amount of sum insured and coverage terms and this is where the ManipalCigna Super Top-Up Plan comes into play. It kicks in after the existing health insurance policy's sum insured has been depleted or if the claim has not been resolved.
ManipalCigna Super Top-Up Plan is resourceful if the maximum payout from a base health insurance policy is exhausted or insufficient, the policy provides additional protection to the insured. 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.
Manipal Cigna Super Top-Up comes with various deductible alternatives that you can select when investing in the policy, it is the amount you must pay out of pocket or from your basic health insurance policy. The policy has multiple benefits like ambulance cover, AYUSH treatments, pre & post-hospitalization coverage, etc.
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