Manipal Cigna Super Top Up Plan: Get Extensive Coverage

Why Choose Manipal Cigna Super Top Up Plan

In addition to your current sum insured, Manipal Cigna's top-up plans provide coverage for escalating medical costs. In the event that the health insurance plan offered by ManipalCigna is insufficient, policyholders can obtain additional coverage through ManipalCigna Health Top-up. In the event of illness, injury, or any other hospitalization-related occurrences, the insurance plan will provide comprehensive benefits and top-notch medical care.

There are two variants of this plan in order to provide maximum benefit to the policyholder: Super Top Up Plus and Super Top Up Select. A total of all hospitalization bills over the threshold limit is covered by both plans.

Features of Manipal Cigna Super Top Up Plan

Benefit from a larger coverage with the Manipal Super Top Up plan: Increased coverage is one of the main advantages of the Manipal Super Top Up plan. In addition to your health insurance, it includes an additional boost of Rs. 3 lakh. Additional coverage up to Rs. 30 lakhs is also available with the Manipal Cigna Super Top Up Policy.
You can get a 5% increase in Sum Insured per policy year up to a maximum of 50% of Sum Insured irrespective of claims with Manipal Cigna Super Top Up Health Insurance policy. With this Manipal Cigna Super Top Up policy, you get maximum benefit irrespective of the amount insured.
Premiums are affordable, starting at Rs. 1770 per annum for Manipal Cigna Super Top Up Policy.
Choosing any hospital room of your choice: If you are looking for a policy that lets you choose any hospital room during hospitalization, this policy is the one for you! In the Super Top Up health insurance plan, you can choose any room category in the hospital.
Ayurveda, Yoga, Naturopathy, Unani, Siddha, and Homeopathic treatments are covered under this super top-up plan, unlike other health policies on the market. Furthermore, the coverage extends up to the policy's limit.
In addition, the policy includes a guarantee of 5% annual increases in Sum Insured, up to a maximum of 50%.

Inclusions of Manipal Cigna Super Top Up Plan

1. Benefits you can expect regularly:

Expenses related to pre-hospitalization
Hospitalization as an inpatient
Expenses incurred following hospitalization
Treatment with Ayurveda
Treatment in day care
Ambulance on the road
Expenses of donors
Expenses other than medical

2. Added Benefits - There is an annual cumulative bonus of 5%, up to a maximum of 50%, on the sum insured.
3. Benefits that are optional

The waiting period benefits become available after five years of regular renewal.
At policy initiation, the waiting period for pre-existing conditions can be lowered to 24 months for all members.
Coverage for 11 diseases under the critical illness rider.

Exclusions of Manipal Cigna Super Top Up Plan

Conflict caused by a foreign power or a civil war.
Substance abuse or suicide.
Radiation or nuclear contamination.
If the insured breaks the law, they will be responsible for any disease or injury they cause.

FAQ

Can I choose the super top up policy if I have medical insurance coverage?

You do not need to do so. If you do not have health insurance coverage, you can still purchase a Manipal Cigna super top up plan. If you meet your deductible threshold, however, Manipal Cigna super top up sum coverage will kick in and you will not be responsible for any charges. It is therefore recommended, but not necessary, to have basic health insurance.

Does this policy include AYUSH coverage?

The AYUSH policy covers in-patient treatment for diseases and accidents that happen during the policy period.

Does this policy require a co-pay?

All eligible hospitalized expenses in excess of the deductible are covered by the ManipalCigna health top up policy. In the event of a claim settlement, no co-pays are required after the deductible maximum is reached and the top-up insurance kicks in.

In ManipalCigna's super top up plans, are post-hospitalisation expenses covered?

Post-hospitalization expenses are covered for 90 days under Manipal Cigna super top up plans.

Do I have the option of terminating my ManipalCigna health top up policy at any time?

Manipal Cigna must be notified of cancellation 15 days in advance. The premium will be returned on a short-term basis if there have been no claims under the policy.

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