ManipalCigna Super Top Up
Manipal Cigna Health Insurance Company
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
Room Rent (Normal & ICU)
Normal: single private A/C room
ICU: no limit
Advanced Treatments
Coverage includes robotic surgeries, stem cell therapy, organ transplants, modern cancer treatments, bariatric surgery, and advanced cardiac procedures as per policy terms.
Co-payment
The Manipal Cigna Super Top-Up plan generally does not have a mandatory copayment for most policyholders.
Waiting Periods
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
Day Care Treatments
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
Guaranteed Continuity on Deductible - From the 5th policy year, opt for a separate base policy with waiting periods waived up to the deductible amount.
Reduction of Pre-existing Disease (PED) Waiting Period - Reduce the waiting period for pre-existing diseases from 48 months to 24 months by paying an additional premium.
Critical Illness Add-on Cover - Receive a lump sum benefit upon first diagnosis of any of the 11 specified critical illnesses.
ManipalCigna Health 360 - OPD - Access coverage for outpatient consultations, prescribed diagnostics, and pharmacy expenses with three package options.
Add-ons
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About the Company
Manipal Cigna Health Insurance was founded in 2014. It is a joint venture between Manipal group and Cigna Corporation. The company’s headquarters is in Mumbai, India.
The company provides a wide range of health insurance products.Their offerings include individual and family health plans, critical illness coverage, and specialized policies for senior citizens. ManipalCigna's key products like ProHealth Insurance, Super Top-Up, and Prime Senior Insurance offer extensive coverage for hospitalization, wellness services, and critical health conditions. They also provide global coverage, preventive healthcare, and cashless treatment across a network of 6,500+ hospitals. The company focuses on customer-centric services, with digital tools for managing policies, claims, and renewals, enhancing convenience for policyholders.
About the Company
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