ManipalCigna Super Top up: Benefits, Premium, Renewal

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.

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

Features	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 care@policybazaar.com or call us at 1800-708-8787.