ManipalCigna Plans

ManipalCigna Super Top up plus plan

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Coverage type
Coverage City
Coverage amount
Date of birth
  OR age    years
* Name, Email Id & Mobile No. are optional 

Who is eligible for this plan?

  • Minimum Entry Age: Child - 91 days, Adult - 18 years
  • Maximum Entry Age: Child: 23 years (family floater policy), Adult: No limit
  • Cover Type: Individual and Family Floater (max 2 adults & 3 kids)
  • Policy Period: 1, 2 and 3 years (Discount of 7.5% for 2 years and 10 % for 3 years policy term with single premium payment mode)
  • Relationships covered: Self, Spouse, Dependent Children, Dependent - Parents, In-laws, Brothers, Sisters and more

ManipalCigna Health Insurance Review

ManipalCigna Health Insurance
ManipalCigna Health Insurance sum insured
2.5 lacs − 100 lacs options available
Incurred Claims Ratio *
ManipalCigna Health Insurance tenure options
1 or 2 years options available
Claims Settlement Ratio **
List of network hospitals
6,500+ hospitals
Number of policies issued *
Maximum family floater coverage
Self, Spouse + 3 dependent children
Number of lives covered *
* As per IRDAI report for 2018-19   |   ** As per NL25 data published on the Insurance Company website

ManipalCigna Super Top up plus plan Benefits

  • Benefits
  • Coverage
  • Exclusions

Benefits of Super Top up plus plan

Plan Name Plus Select
Deductible (in Rs. Lacs) Sum insured (in Rs. Lacs) Deductible (in Rs. Lacs) Sum insured (in Rs. Lacs)
3, 3.5 3, 6 1 1, 2, 4
4, 4.5 4, 8 2, 2.5 2, 4, 5
5, 5.5 5, 10, 15, 20 3, 3.5 3, 6 , 10
7.5 10, 15, 20 4, 4.5 4, 8 , 15
10 10, 20, 30 5, 7.5 5, 10, 15, 20
- - 10 10, 20, 30

Coverages of ManipalCigna Super Top up plus plan

  • In-Patient Hospitalisation Covers Hospital expenses for admission longer than 24 hours. Covered up to anyRoom Category.
  • Pre – hospitalisation Medical Expenses Covered up to 60 days preceding the hospitalisation.
  • Post – hospitalisation Medical Expenses Covered up to 90 days immediately after discharge from the hospital.
  • In-patient hospitalisation forAYUSH Cover - Covered up to full Sum Insured.
  • Day Care Treatment - Covered up to full Sum Insured
  • Non-medical expenses Cover - Actual expense incurred towards non – medical items listed under policy wordings
  • Road Ambulance Cover Actual expense incurred on availing Ambulance services.
  • Donor Expenses Covered up to full Sum Insured
  • Guaranteed CumulativeBonus - A guaranteed 5% increase in Sum Insured every policy year at renewal, maximumup to 50% of the Sum Insured.
Optional Covers
  • Guaranteed Continuity on Deductible - From 5th Policy Year onwards, the Insured Person will have an option to opt for a basepolicy, with guaranteed continuity on waiting periods# applicable under the basePolicy. No fresh risk assessment shall be done for Sum Insured up to the deductibleamount opted under this Policy Cover under existing policy, ManipalCigna Super Top Up, will continue to be availablefor the Insured person, subject to Renewal and policy terms and conditions.
  • Reduction in Pre-existingdisease waiting period - Option to reduce Pre- existing disease waiting period to 24 months since inception ofthe policy and shall apply to all insured persons covered under the policy.
Add on cover(Rider)
  • Critical illness Lump sum payment
Premium Payment Options
  • Single, Yearly, Half yearly, Quarterly and Monthly mode of payment available.
Waiting Period
  • First 30 days from the Policy start date, for all illnesses except Accidents.
  • First 24 months from the Policy start date for Specific illnesses.
  • A 48 months waiting period will be applicable for any Pre-existing disease.

Exclusions of ManipalCigna Super Top up plus plan

Please note that this is an indicative list of exclusions; please refer the Policy wording and clauses for the complete listof exclusions:
  • Stem cell implantation/surgery.
  • Dental treatment other than due to accident.
  • HIV/ AIDS and related complications
  • Vitamins and tonics unless forming part of treatment.
  • Artificial life maintenance, including life support machine use.
  • Treatment for rehabilitation measures, private duty nursing, respite care.
  • Treatment from persons not registered as Medical Practitioners.
  • Ailment requiring treatment due to drug abuse/ alcohol and treatment for de-addiction, or rehabilitation.
  • Any illness resulting from the Insured committing any breach of law.
  • Any cosmetic surgery unless forming part of treatment for accident, cancer, burns or specific disease of breast.
  • Charges incurred primarily for diagnostic purposes.
  • Costs of donor screening.
  • Any form of Non-Allopathic treatment except treatment covered under AYUSH Cover under the policy.
  • Expense for injury of insured whilst engaging in any adventure sport.
  • Expenses caused by ionizing radiation or contamination by radioactivity from any nuclear fuel.
  • All expenses arising from foreign invasion & warlike operations, whether war be declared or not.

ManipalCigna health insurance FAQ's

List of necessary claim documents to be submitted for reimbursement are as following:

  • Claim form duly signed
  • Copy of photo id of patient
  • Hospital discharge summary
  • Operation theatre notes
  • Hospital main bill
  • Hospital break up bill
  • Investigation reports
  • Original investigation reports, X ray, MRI, CT films, HPE, ECG
  • Doctors reference slip for investigation
  • Pharmacy bills
  • MLC/ FIR report, post mortem report if applicable and conducted

You will receive an update on status of your claim through sms and emails on the registered contact details with us. Hence, it is important that your contact details are updated with us at all times. You can also reach out to your health advisor or connect with our health relationship managers to get an update or clarification on the claim. In case of cashless claims, we will issue the authorisation letter to the hospital through fax or email.

You should carry the health card provided by the company with this policy, along with a valid photo identification proof (voter id card / driving license / passport / pan card / any other identity proof as approved by the company).

We shall scrutinize the claim and accompanying documents. Any deficiency of documents, shall be intimated to you and the network provider, as the case may be within 5 days of their receipt. If the deficiency in the necessary claim documents is not met or are partially met in 10 working days of the first intimation, we shall remind you of the same and every 10 (ten) days thereafter. We will send a maximum of 3 (three) reminders following which we will send a closure letter.

We may investigate claims at our own discretion to examine validity of claim. Such investigation shall be concluded within 15 days from the date of assigning the claim for investigation and not later than 6 months from the date of receipt of claim intimation. Verification carried out, if any, will be done by individuals or entities authorised by us to carry out such verification / investigation(s) and the costs for such verification / investigation shall be borne by the us.


Review ManipalCigna Super Top up plus plan brochure to understand coverage details.

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Policy wordings

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    InstantCover Insurance Web Aggregator Private limited
    710, 6th B Cross, 16th Main Road, Koramangala 3rd Block, Bangalore - 560 034.

  • +91-(80)-41101026
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CIN: U66000KA2018PTC117713 | IRDAI Web aggregator License Code Number: IRDAI / INT / WBA /53/ 2018, Valid till 07/08/2022