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ManipalCigna Health Insurance offers additional coverage with its Super Top-up plan, complementing your existing health insurance policy. This plan provides extra coverage on top of a standard health insurance plan. While a standard health plan has a fixed sum insured and coverage terms, the ManipalCigna Super Top-Up Plan activates once the existing health insurance policy's sum insured has been depleted.
The ManipalCigna Super Top-Up Plan is valuable when the maximum payout from a base health insurance policy is exhausted or insufficient, offering additional protection to the insured. To provide maximum benefit, the plan comes in two variants: Super Top-up Plus and Super Top-up Select.
ManipalCigna Super Top-Up offers various deductible alternatives that you can select when purchasing the policy. The deductible is the amount you must pay out of pocket or from your basic health insurance policy. The policy includes multiple benefits such as ambulance cover, AYUSH treatments, and pre & post-hospitalization coverage.
| PLAN DETAILS |
Super Top Up Plan |
Ultimate Care |
| Product Type | Individual and Family Health Insurance | Individual and Family Health Insurance |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Not Covered | 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 | 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) |
15000 | 11400+ |
| 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 | Not 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 | Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Not Covered | Available |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Not Covered | Not Available |
| Plan Entry Age | 18 years to No maximum limit | Minimum: Child - 91 days; Adult - 18 years. Maximum: Child - 24 years, Adult - Lifelong |
| Plan Premium Entry Age and S/A | NA | 6491 |
| Plan Waiting Period | 30 | 30 |
| Plan Coverage | Top-up & Super Top-up cover | Hospitalization expenses, Pre and post-hospitalization expenses, Daycare treatments, AYUSH treatment cover, Organ donor cover, Ambulance cover |
| Plan Sample Premium | NA | 6491 |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1,2,3 years | 1, 2, 3, 4, 5 years |
| ICU Charges | Covered | Covered |
| Covid-19 Treatment | Covered | Covered |
| Cataract | Not Covered | Covered |
| Automatic Restoration | Not Covered | Covered |
| Ayush Treatment | Covered | Covered |
| Modern Treatment | Covered | Covered |
| E Consultation | Not Covered | Covered |
| Air Ambulance | Not Covered | Covered |
| Global Coverage | Not Covered | Not Covered |
| Claim Ratio | 98 | 97 |
| Solvency Ratio | 1.76 | 1.74 |
|
Manipal Cigna Health Insurance Plan Detailed Review Ultimate CARE Health Insurance Review 2025 | Care Health New Plan 2025 | Care Health Insurance |
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