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ManipalCigna

Top Up Plan

ManipalCigna Super Top-up Health Insurance Plan

Why is Super Top-Up a Smart Choice?
A Super Top-Up is smart because it provides significantly higher coverage at a much lower premium compared to a regular health insurance plan.

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600+

Cities Presence

INR 5000 Crore+ Claim

Claim Settled Since Inception

88.59%

Claim Settlement Ratio

35000+

Cashless OPD Network

Our Verdict

Our Verdict on ManipalCigna Super Top-up Health Insurance

Pros

Useful optional benefits like continuity on deductible and waiting-period reduction.

No room-rent restrictions for hospitalization.

Sum insured up to ₹30 lakh with multiple deductible options.

Wide coverage including inpatient care, daycare, AYUSH, donor expenses, and pre/post-hospitalisation.

Cons

Medical tests may be required for certain options or higher coverage.

Benefits apply only after crossing the deductible.

Maternity and many elective treatments are not covered.

The waiting period applies for pre-existing diseases.

Pros

Useful optional benefits like continuity on deductible and waiting-period reduction.

No room-rent restrictions for hospitalization.

Sum insured up to ₹30 lakh with multiple deductible options.

Wide coverage including inpatient care, daycare, AYUSH, donor expenses, and pre/post-hospitalisation.

Cons

Medical tests may be required for certain options or higher coverage.

Benefits apply only after crossing the deductible.

Maternity and many elective treatments are not covered.

The waiting period applies for pre-existing diseases.

Final Verdict

The ManipalCigna Super Top-Up plan stands out as a smart, flexible, and cost-effective way to secure high-value health coverage without the premium burden of a large base policy. Its broad coverage — including AYUSH, donor expenses, daycare procedures, and pre/post-hospitalisation costs — along with adjustable sum-insured and deductible options, gives...

The ManipalCigna Super Top-Up plan stands out as a smart, flexible, and cost-effective way to secure high-value health coverage without the premium burden of a large base policy. Its broad coverage — including AYUSH, donor...

ManipalCigna Super Top-up Health Insurance Plan

Customer Testimonials

Real experiences from our valued customers who have chosen our insurance coverage.

Have been associated with Ruchir and his team… They have provided me excellent guidance in choosing the right plans for myself and my family……always been available to assist with any insurance/claim queries.

Nakul N

I want to sincerely thank Sunad for being there for me throughout the entire claim process. He helped me through so many ups and downs, always patient and ready to support when things got tough. I honestly don’t know how I would have managed without his guidance and encouragement. Sunad made a difficult situation feel a lot less stressful, and I’m truly grateful for his kindness and steadfast help.

Prashant Pandey

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.

Jatin Gala

Have been associated with Ruchir and his team… They have provided me excellent guidance in choosing the right plans for myself and my family……always been available to assist with any insurance/claim queries.

Nakul N

I want to sincerely thank Sunad for being there for me throughout the entire claim process. He helped me through so many ups and downs, always patient and ready to support when things got tough. I honestly don’t know how I would have managed without his guidance and encouragement. Sunad made a difficult situation feel a lot less stressful, and I’m truly grateful for his kindness and steadfast help.

Prashant Pandey

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.

Jatin Gala

My heartfelt thanks to the OneAssure team for making my insurance claim process effortless. Right from the very first interaction, they demonstrated professionalism, clear communication, and an impressive command of the procedures involved. Their swift updates, timely guidance, and persistent follow-through removed all the stress from what could have been a complicated experience.

Anju Renjith

I am truly grateful for the support and guidance I received in settling my insurance claim. The entire process was handled with great professionalism, clarity, and efficiency. Their prompt response, deep knowledge of the procedures, and consistent follow-ups ensured a smooth and hassle-free experience.Thank you once again for your invaluable help, highly recommended!

Yogesh Meena

I recently had the pleasure of purchasing health insurance for my parents through this company, and my experience has been exceptional...The team was incredibly patient and took the time to explain every detail to me. No matter how many times I asked questions, they were always calm and thorough in their explanations. Their professionalism and dedication made a significant difference in helping me make an informed decision.

Akash Kumar

OneAssure helped me understand my needs and choose a product that was right for me. There was no pressure tactics or mis-selling. This experience was respectful, informed, and completely stress-free.

Shreya Goyal

Had a great experience with OneAssure during my insurance claim process. A special shoutout to Sunad Raj for his exceptional support, he was professional, responsive, and guided me every step of the way. Thanks to his consistent follow-ups and clear guidance, the entire claim settlement was smooth and hassle-free. Highly recommend OneAssure for their service and transparency!

Sanjay Dakalia

The team is very professional and prompt. I would have all my health and life insurance needs met through them.

Harish Jindal

Very professional service from Ruchir & Aman. They were recommended by a friend who had a positive experience with them. I have taken both health and life policies through them and they have advised me well throughout the process and found the best options available in the market. I had a medical condition due to which it was difficult to find a suitable health policy in the market, however this team was able to find one for me. I would recommend their services to anyone looking to buy health or life insurance.

Siddhartha Saha

Wonderful experience with Prost. Right from suggesting the insurance products to claim process the entire experience hai been seamless. They do not mis-sell and are very transparent. Sundar Raj from the team has been wonderful and ensured prompt guidance. All the best Ruchir and keep up the good work!

Adarsh Ravindranathan

Super Top-Up

Factors to Consider While Buying ManipalCigna Super Top-Up Mediclaim Policy

Review Your Current Coverage

Assess whether your existing health plan is enough. A Super Top-Up is ideal when your base sum insured may not cover large or unexpected medical bills.

Choose an Appropriate Deductible

Pick a deductible that fits your financial comfort. A higher deductible means a lower premium, but more out-of-pocket expense before coverage starts.

Consider Family Size & Composition

A family floater works well for multi-member households, offering shared high coverage at a cost-effective premium.

Match the Plan to Your Health Needs

Evaluate your family’s medical history and ongoing conditions to choose a plan that aligns with future healthcare requirements.

Check Premium Affordability

Ensure the premium is budget-friendly while still giving you adequate and long-term protection.

Review Your Current Coverage

Assess whether your existing health plan is enough. A Super Top-Up is ideal when your base sum insured may not cover large or unexpected medical bills.

Choose an Appropriate Deductible

Pick a deductible that fits your financial comfort. A higher deductible means a lower premium, but more out-of-pocket expense before coverage starts.

Consider Family Size & Composition

A family floater works well for multi-member households, offering shared high coverage at a cost-effective premium.

Match the Plan to Your Health Needs

Evaluate your family’s medical history and ongoing conditions to choose a plan that aligns with future healthcare requirements.

Check Premium Affordability

Ensure the premium is budget-friendly while still giving you adequate and long-term protection.

Super Top-Up

Inclusions & Exclusions of ManipalCigna Super Top-Up Health Insurance Plan

Inclusions

Lifetime renewability & cumulative bonus

Non-medical consumables (policy limits)

Ambulance & organ donor expenses

AYUSH treatments

Daycare procedures

Pre- and post-hospitalisation expenses

In-patient hospitalisation (room, ICU, surgeries, doctor fees)

Exclusions

Alcohol/drug-related illnesses

Cosmetic/aesthetic & gender-alteration surgeries

Diagnostics, rest cures, rehab

Pre-existing & specified diseases (waiting period applies)

Inclusions

Lifetime renewability & cumulative bonus

Non-medical consumables (policy limits)

Ambulance & organ donor expenses

AYUSH treatments

Daycare procedures

Pre- and post-hospitalisation expenses

In-patient hospitalisation (room, ICU, surgeries, doctor fees)

Exclusions

Alcohol/drug-related illnesses

Cosmetic/aesthetic & gender-alteration surgeries

Diagnostics, rest cures, rehab

Pre-existing & specified diseases (waiting period applies)

ManipalCigna Super Top-up Health Insurance Plan

Related Health Insurance Plans

Senior Citizen Health Plan

Secure against age-related medical costs
Tailored for seniors healthcare needs

Family Health Plan

One policy covers the entire family
High sum insured with cashless care
Multiple coverage options based on your family needs

Maternity Health Plan

Covers delivery, newborn care, and maternity expenses
Reduces financial stress of childbirth costs

Senior Citizen Health Plan

Secure against age-related medical costs
Tailored for seniors healthcare needs

Family Health Plan

One policy covers the entire family
High sum insured with cashless care
Multiple coverage options based on your family needs

Maternity Health Plan

Covers delivery, newborn care, and maternity expenses
Reduces financial stress of childbirth costs

Super Top-Up

Claim Process for ManipalCigna Super Top-Up Health Insurance

1-5 of 6 Process

Super Top-Up

How to Renew ManipalCigna Super Top-Up Health Insurance

Super Top-Up

How to Buy ManipalCigna Super Top-Up Health Insurance

1-5 of 7 Steps

Super Top Up

Still Confused? Get Expert Guidance

Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.

FAQs

Frequently Asked Questions

Got questions about health insurance? You’re not alone. Here are some of the most commonly asked questions to help you understand plans, coverage, claims, and benefits better.