
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.
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
Super Top-Up
Factors to Consider While Buying ManipalCigna Super Top-Up Mediclaim Policy
Super Top-Up
Inclusions & Exclusions of ManipalCigna Super Top-Up Health Insurance Plan
ManipalCigna Super Top-up Health Insurance Plan
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Claim Process for ManipalCigna Super Top-Up Health Insurance
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How to Buy ManipalCigna Super Top-Up Health Insurance
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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.
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.










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