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Manipal Cigna

Manipal Cigna

Super Top-up

Manipal Cigna Super Top Up plan is a pretty decent plan with very few restrictions. And while it does not offer a disproportionately large cover (as the plan comes with a maximum cap of 30 lakhs), it still offers you a bonus of 5% each year and you could take your sum insured to about 45 lakhs if you wait long enough.

What's good here?

special mention
🎉Special Mention

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.

coPay

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.

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diseaseSublimit

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.

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dayCare

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.

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roomRent

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.

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prePost

Pre & Post hospitalization expenses covered

No worries if the doctor had to run a host of diagnostic tests before or after hospitalizing you. The insurer has your back. They will cover this amount in full for a pretty reasonable duration - 60 days before you are hospitalized and 90 days after discharge. This includes the cost of medication by the way.

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ayush

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.

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What's bad here?

domiciliary

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.

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What's okay here?

ped

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.

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ncb

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.

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What's lacking here?

restoration

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.

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healthCheckup

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.

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Add-ons

Reduction in PED

This optional cover reduces the applicable pre-existing waiting period from 36 months to 24 months. If you are currently diagnosed with any condition and want to reduce the waiting period, it makes sense to opt for this add-on.

Critical Illness

With this add-on you get a lumpsum payment in the event you are diagnosed with critical illnesses outlined in the policy document.

ManipalCigna Health 360 OPD cover

With this add on, you can get coverage for outpatient and e-consultations i.e. doctor visits along with coverage for prescribed diagnostics and pharmacy based on the option taken.

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

Yes. Super Top-up imposes 3 kinds of waiting periods -
  • 30-Day Waiting Period: Hospitalizations won’t be covered for the first 30 days of the policy unless it’s an accident.
  • Specific Illness Waiting Period: There’s a 2-year waiting period for a list of diseases which is a mandate before you can start claiming.
  • Pre-Existing Disease Waiting Period: There's a 3-year waiting period for any pre-existing disease you may have while buying the policy.
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