ManipalCigna Super Top Up
ManipalCigna
7.0/10
OneAssure Rating
7.0/10
OneAssure Rating
Highlighted Features
Room Rent (Normal & ICU)
The Manipal Cigna Super Top-Up Plan does not impose any specific room rent or ICU limit. Policyholders can avail of a hospital room of their choice without sub-limits, subject to the sum insured and policy terms.
Advanced Treatments
Coverage includes advanced treatments such as coronary angiography, cancer radiotherapy, chemotherapy, and palliative care, ensuring access to essential medical support during critical times.
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Our 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 the Plan
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.
About the Plan
Product Stats
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Features of the Product
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.
- 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.
Cashless Healthcare Providers
8500+ network hospitals
Daycare Treatment
All day care procedures are covered.
AYUSH Treatment
All AYUSH treatments covered by the policy.
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.
Medical expenses for treatments received outside India unless included in the policy.
Costs related to hearing aids, spectacles, contact lenses, or prosthetics.
Routine medical check-ups and preventive healthcare unless specified.
Treatment for sexually transmitted diseases (STDs) and HIV/AIDS unless covered.
Maternity-related expenses unless specifically covered in the policy.
Exclusions
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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 restoration, cumulative bonuses, and even coverage for pre-existing health conditions, but only after a waiting period. Besides that, ManipalCigna caters to fitness needs of people, provides health checks, and offers maternity cover in some of their policies.
The company has more than 14500 hospitals in its network all over the country, thus it is easy for the customers to avail cashless treatment. Although its percentage of average claim settlement is 88.59%, which is just a little bit below the industry standard. However, ManipalCigna is credited with its path-breaking ideas and customer-focused strategy, among the Indian health insurance companies, which keeps it ahead of the pack.
About the Company
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