ManipalCigna Health Insurance Top Up Plans

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If you are at a stage where your basic health insurance plan has exhausted its basic coverage, it is time that you top up ManipalCigna health insurance policy. This is because such policies usually do not offer too much coverage, and it is good to have a top-up plan to cover medical costs beyond the expected amount. One such top-up policy is the ManipalCigna top up plan which could provide significant healthcare benefits. This article will go through the details of ManipalCigna health insurance top up plans.

ManipalCigna Health Insurance Top Up Plan Highlights

The ManipalCigna super top up medical insurance coverage supplements your existing basic health insurance policy. A standard health insurance plan includes a limit on the sum insured. Your main coverage does not cover any medical expenditures spent above that limit. This is when ManipalCigna health insurance top up plans come in handy. A super top up plan kicks in as soon as the amount Insured on your current health insurance policy is depleted or becomes insufficient to cover the claims.

Thus, super top up plans, which are part of ManipalCigna health insurance top up plans, are designed to provide you with additional coverage when your base plan falls short of the total claim amount. Your coverage would be provided only after the claim crosses the deductible amount.

Let us explain with an example. Suppose Varun has a base plan of INR 5 lakhs with a super top up plan of INR 15 lakhs with a deductible of INR 5 lakhs. Initial claims upto INR 5 lakhs in the entire policy year would be payable from the base plan. But your super top up plan gets triggered as soon as the total claim amount across single or multiple hospitalisations crosses the deductible amount of INR 5 lakhs within the policy year. Further claims would be processed from the super top up plan in the same policy year.

Types of ManipalCigna Health Top Up Plans

ManipalCigna top-up plans come in two variants. The features of these two plans are shown below. Take a look.

1. Super Top-up Plus
The minimum deductible of this ManipalCigna health insurance top up plan starts from INR 3 lakhs.

Policy DetailsAmount (In INR)
Sum Insured 3,00,000 – 30,00,000
Base Premium 1,770 per annum
Deductible Amount3,00,000 – 10,00,000

2. Super Top-up Select:
This minimum deductible of this ManipalCigna top up plan starts from INR 1 lakh.

Policy DetailsAmount (In INR)
Sum Insured 3,00,000 – 30,00,000
Base Premium 2,041 per annum
Deductible Amount3,00,000 – 10,00,000

ManipalCigna Health Insurance Top Up Plan: Key Features & Benefits

ManipalCigna health insurance top up plans have the following wonderful features and benefits:

1. Peace of Mind

With the rapid changes in technology and the expanding world, it is important to have top up medical insurance plans. These policies have been designed to cater to your health needs when any medical problem arises in future. There is a bigger gap between what insurance companies offer and what your family actually needs. So, if your basic health insurance plan’s coverage is exhausted, you can have peace of mind knowing that your excess expenses are covered under ManipalCigna health insurance top up plans.

2. AYUSH Treatment

ManipalCigna health insurance top Up plans offer Ayush treatment to the policyholders. Ayurveda is a holistic healthcare system that focuses on patient-centred, non-invasive and natural therapies. These plans focus on enhancing various parts of your body through various treatments like Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy.

3. Cumulative Bonus

Top-up health insurance policies promise an increase in the sum covered as a bonus for each claim-free policy year. This rise, however, stops when you file a claim.

4. Critical Illness

If you purchase the critical illness add-on, the insurance provider will pay an additional lump sum payment of up to 100% of the basic sum covered.

5. Easy Claim Handling

ManipalCigna ensures a seamless health insurance claim experience through its excellent customer service team. The company understands customers' needs and goes the extra mile to make all its claims processes as convenient and stress-free as possible.

6. Tax Benefits

The policyholder will benefit from the income tax deduction provided under Section 80D of the Income Tax Act, 1961.

Inclusions of the ManipalCigna Health Insurance Top Up Policy

ManipalCigna health insurance top up plans are a great addition to your Manipal health insurance plan. It allows you to increase your coverage as per needs and changes in your family's life.

Here’s  what the policy coverage includes: 

  1. Regular Benefits:
    • Pre-hospitalisation expenses
    • In-patient hospitalisation
    • Post-hospitalisation expenses
    • AYUSH treatment
    • Day care treatment
    • Road ambulance
    • Donor expenses
    • Non-medical expenses
  2. Additional Benefits
    • Assured cumulative bonus of 5 per cent rise in the sum insured per year, up to a limit of 50 per cent.
  3. Optional Benefit
    • Following five years of regular renewal, you can choose a basic plan that includes the waiting period benefits.
    • Option to lower the waiting term for pre-existing conditions for all members to 24 months if selected at the moment of policy initiation.
    • Rider for critical illness coverage for 11 diseases.

Exclusions of the ManipalCigna Health Insurance Top Up Policy

Like any other health insurance plan in the country, the ManipalCigna top up policy also has a dedicated list of situations where it does not cover the policyholder.

Here is a list of the exclusions of the policy:

  1. Foreign attack or civil conflict.
  2. Suicide or substance abuse.
  3. Contamination by nuclear material or radiation.
  4. Any disease or injury caused by the insured breaking the law.

Eligibility Criteria

Here is a checklist of the eligibility requirements for ManipalCigna top up plans:

CriteriaIndividual/Family Floater*
Age Requirement
  • Children – 91 days
  • Adults – 18 years
Age Limit
  • Children – 23 years
  • Adults – nil
Policy Term1 / 2 / 3 years
Covered RelationshipsSelf, spouse, children, parents, siblings, in-laws, and more.
Premium PaymentSingle / monthly / quarterly / half-yearly / annual

*Family floater top up plans cover a maximum of three children and two adults.

How to Buy ManipalCigna Health Insurance Top up Plans?

The following is a step-by-step guide to purchasing ManipalCigna health top up plans via Paytm Insurance:

  1. Please go to
  2. At the homepage, select 'health insurance.'
  3. Enter your gender and select the members for insurance.
  4. Press ‘proceed’.
  5. Mention your age and other insured members if you have added them in step 3.
  6. Click on ‘get quotes’.
  7. Based on your information, the quotes will appear.
  8. Choose ManipalCigna from the list of insurers with their premium and coverage quotes.
  9. Fill in the basic and medical details.
  10. Submit the details and get to the premium payment page.
  11. Pay the premium using the Paytm app.

How to Claim ManipalCigna Health Insurance Top up Plans?

Claims from ManipalCigna health insurance top up plans can be on a cashless or a reimbursement process, exactly like any other indemnity health insurance plan. You can get a cashless claim if you get admitted to a network hospital. It implies that you don’t need to pay upfront to the hospital. ManipalCigna will do that on your behalf.  If not, you need to pay the entire amount upfront and get all reimbursed under ManipalCigna health insurance top up plans by submitting your personal and medical documents (prescriptions, bills, etc.).

Things to Consider When Buying ManipalCigna Health Insurance Top up Plans

Consider the following when purchasing ManipalCigna health top up plans:

1. Hospital Network

ManipalCigna health top up policy provides cashless healthcare at over 6500 hospitals.

2. Discounts

ManipalCigna offers a 10% discount for adding two or more dependents on an individual policy. There’s also a 7.5% discount on the 2-year policy term and a 10% discount on the 3-year policy term of ManipalCigna health insurance top up plans. Customers can enjoy a 3% discount upon renewal through a bank standing instruction or NACH.

3. Grace Period

Monthly premium payments have a 15-day grace period for renewal, whereas other premium payments have a 30-day duration.

4. Tax Benefits

The insured will receive income tax deduction allowed under Section 80D upto INR 25000 for premiums paid towards self, spouse and dependent children. There is an additional discount of INR 25,000 for premiums paid for dependent parents, which is INR 50,000 if any of the parents are senior citizens.

5. Cancellation

During policy time, a cancellation request can be made. Premium refunds will be granted for a limited time.

ManipalCigna Health Insurance Top Up Plans FAQs

  • 1. Do I require medical insurance coverage to choose the super top up policy?

    No, you do not have to. You can still buy a ManipalCigna health insurance super top up plan if you don't own health coverage. In this instance, however, you will have to pay the charges out of your pocket until you reach your deductible threshold and the ManipalCigna super top up sum cover kicks in. As a result, while basic health insurance is recommended, it is not required.

  • 2. Is AYUSH coverage included in this policy?

    Yes, AYUSH includes in-patient treatment for a disease or accident that happens during a policy year.

  • 3. Is a co-pay required under this policy?

    No, the ManipalCigna health top up policy covers all eligible hospitalised expenditures in excess of the deductible. When the deductible maximum is reached and the top up insurance kicks in, no more co-pays are required during claim settlement.

  • 4. Are post-hospitalisation expenses covered under ManipalCigna super top up plans?

    Yes, ManipalCigna super top up plans offer post-hospitalisation expense coverage for 90 days after discharge.

  • 5. Can I terminate my ManipalCigna health top up policy at any time?

    Requests for cancellation must be sent to ManipalCigna by providing the insurer a 15-day notice. If no claims have been filed under the policy, will the premium be returned on a short-term basis.

  • 6. Can I get a group insurance plan for my company from ManipalCigna?

    Yes. ManipalCigna Health Insurance offers companies 5 different group insurance policies to choose from.

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