Frequently Asked Questions

We may apply a risk loading on the premium payable (excluding Statutory Levies and Taxes) or Special Conditions on the policy based upon the health status of the persons proposed for insurance and declarations made in the Proposal Form. These loadings will be applied from inception date of the first Policy including subsequent Renewal(s) with Us. Additional waiting periods may be applied upto a maximum of 36 months from the date of inception of first policy. 

We shall inform you about the applicable risk loading or special condition through a counter offer letter and you would need to revert with consent and Premium, within 7 working days of the issuance of such counter offer letter.

Your existing Mediclaim policy will continue to cover pre-existing diseases however fresh waiting period of 36 months will be applied with ManipalCigna Super Top up policy.

An option is available to reduce your waiting period from 36 to 24 months on payment of additional premium at time of first purchase.

The policyholder may cancel this policy by giving 7 days written notice and in such an event, the Company shall refund premium for the unexpired policy period. For more details refer to the Policy Terms and Conditions.

Yes, AYUSH covers Inpatienthospitalisation/day – care procedures under Ayurveda, Yoga, Naturopathy, Unani, Siddha and Homeopathy for an illness or injury that occurs during the policy year. Coverage is available upto the sum insured provided:

i. Treatment is taken in a government Hospital or in any institute recognised by government and/or accredited by government authority.

ii. Facilities and services availed for pleasure or rejuvenation or as a preventive aid like beauty treatments, Panchakarma, purification, detoxification and rejuvenation etc. is an exclusion under this benefit.

Yes, premium paid under the policy shall be eligible for income tax benefit under Sec 80D of the Income Tax Act and any amendments thereon. If policy term is more than 1 year then tax benefit can be taken for all the years separately applicable.

The Sum Insured and Deductible combination are:

Super Top Up health insurance plans are an added protection in such scenarios, when the maximum payout from a basic health policy gets exhausted or insufficient.

Super Top up is a back up to existing medical insurance (personal health insurance or health insurance provided by employer or other group). A regular health insurance policy has a Sum Insured limit, beyond which it does not cover any medical expenses. This is when a Super Top Up policy is useful, it becomes effective soon after the Sum Insured from an existing health plan is exhausted or insufficient to settle claim.

In other words, under Top Up Policies deductible amount selected is reduced from every claim however under Super Top Up, claim becomes payable when the total of all the claims together exceeds the deductible limit within a policy year.

Non-medical expenses cover will be applicable only if it is related to hospitalisation in Super Top Up plan.

Since Maternity or maternity related complications do not form a part of Super Top up base cover, it will not be payable.

Similarly, Non-medical expenses claim for infertility and related procedures, obesity treatment, dental treatment , hormone replacement therapy will not be payable.

The Insurance Regulatory and development Authority of India (IRDAI) has recently proposed guidelines on modification and standardization of exclusion in health insurance products dated 27th September, 2019

In adherence with the new guidelines and growing need of health insurance product, We have revamped our Super Top Up Insurance plan to provide you with bigger and better benefits.For further details on this guidelines, you may visit IRDAI Website Link detailed below

https://www.irdai.gov.in/ADMINCMS/cms/frmGuidelines List,aspx?mid=3.4.3

The Company at its sole discretion, reserves the right to modify, add or restrict any network hospital for cashless services available under the policy. Before availing the cashless service the policyholder/ insured person is advised to check the applicable list of network hospitals. Please contact our Customer Care no. 1800-102- 4462 or you can write to us at servicesupport@manipalcigna.com for assistance.

No, currently we are not offering any additional benefit for online purchase. However a discount of 3% on the premium from next renewal, if the premium is received through NACH or Standing Instruction  (where premium payment is made either by direct debit of bank account or credit card).

Your ManipalCigna Health Card should be used when accessing treatment within network providers.

Exclusions are conditions where ManipalCigna is not liable to pay the benefit to the insured person in the event of a claim. List of exclusion forms a part of Policy Terms & conditions.

If you need to speak to us about the product, services or claims, contact our customer care no. 1800- 102- 4462 or you can write to us at customercare@manipalcigna.com for assistance.

Health insurance is not meant to be for savings or investment returns. It is meant for protection. What you pay for is the protection against a health risk. To approach it as something from which returns should be obtained is not the correct approach.

However we have introduced a benefit called Guaranteed cumulative bonus which means an increase in the Sum Insured by 5%, max upto 50% of Sum Insured granted by the insurer for a policy year irrespective of a claim without an increase in the premium provided the policy is renewed with the insurer. This helps to take care of medical inflation and also provide higher protection with increase in age.

The Product may be offered to Foreign National subject to insured person having an Indian Address for communication and they must be residing in India for a period of 180 days at least.

Yes, one can buy this policy if located outside India however the coverage will be restricted to geographical boundary of India only and the proposer must have Indian address for communication and must be in India at the time of signing the Proposal form and medical test wherever applicable.

You can call us at 1-800-10-24462, visit the nearest branch or visit ManipalCigna website www.manipalcigna.com and we will help you with the purchase process.