Manipal Cigna
Super Top-up
The Manipal Cigna Super Top-up plan is designed to provide an additional layer of health coverage beyond your base health insurance policy, with sum insured options ranging from ₹1 lakh to ₹30 lakhs. It offers a flexible deductible choice between ₹1 lakh and ₹10 lakhs [depending on the plan option], allowing policyholders to customize coverage according to their needs. The plan features a guaranteed 5% increase up to a 50% cumulative bonus irrespective of claims done, no room rent restrictions, no disease-wise sub-limits, no co-payment, and coverage for non-medical expenses, making it a practical and affordable option for enhanced financial protection.
What's good here?
Guaranteed Continuity on Deductible
The insurance company will offer the Insured Person an option to get a guaranteed continuity on the waiting periods up to the Deductible limit while opting for a specified indemnity base health insurance policy after 5 years of continuous coverage under the Super Top-up plan subject to certain conditions mentioned in the policy schedule.
The insurance company will offer the Insured Person an option to get a guaranteed continuity on the waiting periods up to the Deductible limit while opting for a specified indemnity base health insurance policy after 5 years of continuous coverage under the Super Top-up plan subject to certain conditions mentioned in the policy schedule.
You’ll never have to split the bill
The insurer will bear the entire cost of treatment (up to the sum insured). You won’t have to pay a single penny. Meaning this policy has no co-payment.
You always have full cover irrespective of the disease
No funny business here. If your insurer hasn’t explicitly stated they won’t cover a certain illness, you can claim the full amount up to the sum insured, irrespective of the disease you’re dealing with. Meaning this policy doesn't impose the dreaded disease wise sub-limits.
Day Care treatments covered
If you’re hospitalized for less than 24 hours in lieu of a minor procedure, then the insurer will cover these costs too. Think dialysis, chemotherapy or minor surgeries.
You can pick any room you like
Shared room, single room, deluxe room or any room that’s available. The insurer won’t nitpick on your choice of room since the policy has no restrictions on room rent.
Pre & Post hospitalization
Covers Alternative Medicine
Think of getting Ayurvedic, Homeopathic or other alternative treatments to cure an illness? Your insurer will cover you fully, up to the sum insured.
What's bad here?
No coverage if you are forced to hospitalize at home
The insurer will not cover the costs if you are forced to hospitalize at home due to a medical condition. In insurance lingo, they call this a policy with no domiciliary cover.
Maternity benefits not offered
TODO
What's okay here?
Reasonable waiting period for pre-existing diseases
If you’re already dealing with diabetes, cardiovascular problems or any such illnesses, the insurer will cover all costs arising out of these pre-existing problems after you wait for 3 years.
Doctor consultations covered
In the event, you are feeling sick and you want to visit your family physician for a general checkup, the insurer will cover the costs.
What's lacking here?
No Restoration Benefit
Some policies will tell you - Even after you claim part of the cover on one occasion, you will have the full cover restored, if you are hospitalized another time during the same year. So if you have a family cover and multiple members of the family are hospitalized in the same year, this feature will come in handy. Unfortunately, this policy offers no such benefit.
Some policies will tell you - Even after you claim part of the cover on one occasion, you will have the full cover restored, if you are hospitalized another time during the same year. So if you have a family cover and multiple members of the family are hospitalized in the same year, this feature will come in handy. Unfortunately, this policy offers no such benefit.
Underwhelming bonus feature
Your sum insured increases by 5% each year, even if you've claimed in the previous year. But before you get too ahead of yourself, do note that they’ll stop offering you the bonus when your sum insured increases by 50%. And while this is a decent deal, most insurance companies offer a much higher bonus. But hey, it's still a bonus.
Your insurer doesn’t provide free health check-ups
If you want to get a full-body checkup just to make sure you’re in fine working condition, be ready to pay for it yourself.
Add-on
Guaranteed Continuity on Deductible
With this paid add-on, the insurance company will offer the Insured Person an option to get a guaranteed continuity on the waiting periods up to the Deductible limit while opting for a specified indemnity base health insurance policy after 5 years of continuous coverage under the Super Top-up plan subject to certain conditions mentioned in the policy schedule.
Frequently Asked Questions
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