ManipalCigna Health Insurance Super Top up Plan

ManipalCigna Super top-up health insurance plans come in handy in covering the additional expenses over and above your current sum insured limit. ManipalCigna Health Top-up gives policyholders an opportunity to secure the health of their loved ones by getting additional coverage in case the existing health cover seems insufficient.

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ManipalCigna Super Top up

All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
*Tax benefit is subject to changes in tax laws. Standard T&C Apply

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    ManipalCigna Health Insurance provides two Super top-up plan options i.e. Super Top-up Plus and Super Top-up Select. Under both the plans cashless hospitalization benefit can be availed in more than 6500 network hospitals.

    Eligibility Criteria


    ManipalCigna Super Top-up Plus

    ManipalCigna Super Top Up Select


    Sum Insured (Rs.)

    3 lakh-30 lakh

    1 lakh-30 lakh

    Deductible (Rs.)

    3 lakh-10 lakh

    1 lakh-10 lakh

    Minimum Entry Age

    Children: 91 days

    Adult: 18 years

    Children: 91 days

    Adult: 18 years

    Maximum Entry Age

    Children: 23 years

    Adult: No limit

    Children: 23 years

    Adult: No limit

    Waiting period for pre-existing diseases

    48 months

    48 months

    Types of ManipalCigna Health Super Top Up Plans

    ManipalCigna Health offers two types of Super Top Up plans that are:

    • ManipalCigna Super Top-up Plus
    • ManipalCigna Super Top-up Select

    Key Features of ManipalCigna Super Top-up Health Plans
    ManipalCigna Super Top-up Plus and Super Top-up Select health plans come with the following features:

    • Coverage is provided on an individual and family floater basis for maximum of 2 adults and 3 children
    • The policy term options are 1 year, 2 years, and 3 years
    • The premium can be paid annually, half-yearly, quarterly, and monthly

    Inclusions of ManipalCigna Super Top-up Health Plans

    ManipalCigna Super Top-up Plans cover the below-mentioned expenses:

    • Pre and Post Hospitalisation of 60 and 90 days, respectively
    • Medical expenses are covered for non-allopathic treatments such as Ayurveda, Yoga, Naturopathy, Unani, Siddha, and Homeopathy under any government-recognized institution
    • Day care treatment for less than 24 hours of hospitalization in case of surgery or a cure
    • Critical illness add-on cover for 11 life-threatening conditions is available
    • Non-medical expenses are also covered up to a specified limit
    • In-patient hospitalization expenses of the donor for any major organ transplant are covered

    For more details, you can go through the ManipalCigna Health Super top-up plans brochure online. ManipalCigna health super top-up premium chart table is also given in the same.

    Exclusions of ManipalCigna Super Top-up Health Plans

    The following medical expenses are not covered under ManipalCigna Super Top-up Plus and ManipalCigna Super Top-up Select plans:

    • Expenses rose due to primary diagnosis or evaluation
    • Rehabilitation and respite care cost
    • Surgery related to weight control unless it falls under specific criteria as mentionedin the policy documents
    • Gender alteration cost
    • Cosmetic or plastic surgery unless it fits the specific criteria written in policy documents
    • Injury occurred due to participation in adventure sports with few exceptions
    • Injury or illness while attempting breach of law
    • Unproven treatments
    • Eyesight correction surgery for less than 7.5 dioptres
    • Expenses related to sterility or fertility
    • Dental treatment unless necessary due to an injury or accident

    For a complete list of exclusion, please check ManipalCigna Health Top-up Plan Brochure. If you want to get this plan you can write to us at or call us at 1800-708-8787.


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