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ManipalCigna Super Top-Up Plans
The ManipalCigna Super Top-up Plan helps you pay extra medical bills when your regular health insurance is not enough. It gives you more money to protect you and your family from high hospital costs. There are two plans you can choose from: Super Top-up Plus and Super Top-up Select. Both plans let you get cashless treatment at over 6,500 hospitals that work with ManipalCigna. This makes it easy for you to get good care without paying money first.
Eligibility Criteria
| Features | ManipalCigna Super top-up Plus | ManipalCigna Super top-up Select |
|---|---|---|
| Sum Insured | 3 lakh - 10 lakh | 1 lakh - 30 lakh |
| Deductible | 3 lakh - 10 lakh | 1 lakh - 30 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 disease | 48 months | 48 months |
Health Insurance Plans By Manipal Cigna
What is covered in ManipalCigna Super Top-up Health Plans?
These plans pay for many health costs, including and These things are not paid by the plan:
Covered
- Hospital bills before and after your stay (60 days before and 90 days after).
- Treatments like Ayurveda, Yoga, Unani, Siddha, and Homeopathy, if done at government-approved places.
- Daycare treatments where you stay less than 24 hours for surgery or healing.
- Extra cover for 11 serious illnesses.
- Some non-medical costs are up to a certain limit.
- Hospital bills for the organ donor if you have a major organ transplant.
Not Covered
- Costs for finding out or checking your illness at first.
- Costs for rehab or short rest care.
- Weight loss surgeries unless your policy says it is covered.
- Gender change surgery.
- Cosmetic or plastic surgeries, unless your policy allows them.
- Injuries from adventure sports (except for some allowed cases).
- Injury or illness from breaking the law.
- Treatments that are not proven to work.
- Eye surgery to fix sight if the problem is less than 7.5 dioptres.
- Costs related to having children or fertility.
- Dental care, unless it is necessary because of an accident or injury.
FAQs
It is a health plan that gives you extra money to pay for hospital bills when your main health insurance is not enough. It helps protect you and your family from big medical costs.
You can choose between Super Top-Up Plus and Super Top-Up Select. Both plans cover hospital bills and give cashless treatment at more than 6,500 hospitals.
Adults can buy the plan from age 18 with no maximum age limit. Children can be covered from 91 days old up to 23 years old.
It covers hospital bills, pre- and post-hospital costs, daycare treatments, some traditional treatments like Ayurveda and Homeopathy, organ donor costs, and even some serious illnesses.
It does not cover cosmetic surgery, weight loss surgery (unless allowed), adventure sports injuries, eye surgery for small issues, and treatment for fertility or unproven methods.