How does the waiting period affect my coverage?

The ManipalCigna Super Top Up plan has a 30-day initial waiting period, 48 months for pre-existing conditions, and 24 months for specific illnesses.

What happens if I don’t use my health insurance benefits for a year?

If no claims are made, policyholders receive a No Claim Bonus, increasing the sum insured without extra premium costs.

Does the ManipalCigna Super Top Up plan cover international treatments?

The plan primarily covers treatments within India. International coverage may require additional riders or a separate global health insurance policy.

What is the coverage limit of the ManipalCigna Super Top Up?

The policy offers a sum insured ranging from ₹1 lakh to ₹30 lakh, depending on the chosen plan.

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ManipalCigna

Super Top-up

ManipalCigna Super Top Up

Experience India's most trusted health insurance with ManipalCigna Health Insurance. Get instant cashless treatment at 35000 network hospitals with sum insured up to ₹50 lakhs.

88

Claim Settlement Ratio

35000

Network Hospitals

7

Customer Rating

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88

Claim Settlement Ratio

35000

Network Hospitals

7

Customer Rating

Our Verdict

Expert Review: ManipalCigna Health Insurance

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Final Verdict

Manipal Cigna Super Top-Up boosts existing coverage affordably, with no room rent capping and options to reduce PED waiting periods. It's ideal for those seeking extra financial protection beyond their base policy, with added benefits like OPD coverage.

About

About ManipalCigna Health Insurance

The Manipal Cigna Super Top-Up plan is designed to provide enhanced financial protection by covering medical expenses beyond a specified deductible limit. It acts as a backup to existing health insurance, ensuring extended coverage at an affordable premium. The plan includes hospitalization expenses, pre- and post-hospitalization costs, day-care treatments, and advanced medical procedures like robotic surgery and organ transplants. With no specific room rent capping and flexible deductible options, it offers policyholders greater freedom in choosing healthcare facilities. Additionally, it provides tax benefits under Section 80D and can be a cost-effective way to boost health coverage without significantly increasing premiums.

The Manipal Cigna Super Top-Up plan is designed to provide enhanced financial protection by covering medical expenses beyond a specified deductible limit. It acts as a backup to existing health insurance, ensuring extended coverage at an affordable premium. The plan includes hospitalization expenses, pre- and post-hospitalization costs, day-care treatments, and advanced medical procedures like robotic surgery and organ transplants. With no specific room rent capping and flexible deductible options, it offers policyholders greater freedom in...

Inclusions and Exclusions

Inclusions and Exclusions of ManipalCigna Insurance Company Limited

Co-payment

The Manipal Cigna Super Top-Up plan generally does not have a mandatory copayment for most policyholders.

Room Rent

Normal: single private A/C room
ICU: no limit

Waiting Period

Initial Waiting Period: A 30-day waiting period applies from the policy's inception, during which claims are not admissible, except for those arising from accidents.
Pre-existing Disease Waiting Period: For the Silver plan, pre-existing diseases are covered after 48 months of continuous coverage. For Gold and Platinum plans, this period is reduced to 24 months.
Specific Disease/Procedure Waiting Period: For individuals above 45 years of age, certain listed illnesses and procedures are covered after a 24-month waiting period from the policy's inception.

Cashless Healthcare Providers

8500+ network hospitals

Daycare Treatment

All day care procedures are covered.

AYUSH Treatment

All AYUSH treatments covered by the policy.

Co-payment

The Manipal Cigna Super Top-Up plan generally does not have a mandatory copayment for most policyholders.

Room Rent

Normal: single private A/C room
ICU: no limit

Waiting Period

Initial Waiting Period: A 30-day waiting period applies from the policy's inception, during which claims are not admissible, except for those arising from accidents.
Pre-existing Disease Waiting Period: For the Silver plan, pre-existing diseases are covered after 48 months of continuous coverage. For Gold and Platinum plans, this period is reduced to 24 months.
Specific Disease/Procedure Waiting Period: For individuals above 45 years of age, certain listed illnesses and procedures are covered after a 24-month waiting period from the policy's inception.

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Exclusions

Treatment for pre-existing diseases during the waiting period.
Injuries or illnesses caused by self-harm, substance abuse, or hazardous activities.
Cosmetic or plastic surgery unless medically necessary.
Dental treatments unless required due to an accident.
Treatments related to infertility, sterility, or assisted reproductive procedures.
Treatment for obesity, weight control procedures, or bariatric surgery unless specified.
Experimental, unproven, or investigational treatments.
Congenital diseases and anomalies unless covered under policy terms.

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About the company

ManipalCigna Health Insurance is one of the major health insurance companies in India. It is a joint venture between the Manipal Group and Cigna Corporation. The company was established in 2014 and was rebranded in 2019. It is based in Mumbai and has more than 600 cities in the whole country where it has a presence. The insurer offers a comprehensive line of health insurance solutions, among which individual, family floater, senior citizen, critical illness, personal accident, and top-up plans are the main ones. Programs like ProHealth Prime, Lifetime Health, and Sarvah are made to cover the widest possible range of medical expenses with the sum insured starting from ₹3 lakh to going as high as ₹3 crore. Some of the inclusive features are unlimited...

ManipalCigna Health Insurance is one of the major health insurance companies in India. It is a joint venture between the Manipal Group and Cigna Corporation. The company was established in 2014 and was rebranded in 2019. It is based in Mumbai and has more than 600 cities in the whole country where it has a presence. The insurer offers a comprehensive line of health insurance solutions, among which individual, family floater, senior citizen, critical illness,...