Super Top-Up Health Insurance- Various Plans

ManipalCigna Super Top Up health insurance policy is a Super Top Up policy that covers you over and above your existing primary health insurance policy. A regular health insurance policy comes with a Sum Insured limit. Your primary policy does not cover any medical expenses incurred beyond that limit. This is where a Super Top Up policy comes into the picture. ASuper Top Up policy comes to effect soon after the Sum Insured from your existing health policy is exhausted or left insufficient to settle the claim.

 

Manipal Cigna’s Super Top-Up  health insurance plans stand out for their exceptional features. These plans offer a financial cushion beyond the basic health insurance cover’s sum insured amount, thereby providing an added layer of security against exorbitant medical bills. With our Super Top-Up  Plans, you can access a higher sum insured amount at an incredibly reasonable premium  and enjoy the benefits of enhanced insurance coverage without burning a hole in your pocket. You can pick either of the two ManipalCigna Top-Up Plans:

1. Super Top Up Plus:

Includes sums insured ranging from ₹3 lakhs to ₹30 lakhs, offered at base premiums starting as low as ₹1290 per annum (3Lacs sum insured and 3Lacs Deductibles) with guaranteed cumulative bonus benefits and non-payable expenses cover.

2. Super Top Up Select:

Includes sums insured ranging from ₹1 lakhs to ₹30 lakhs, offered at base premiums starting as low as ₹1890 (2Lacs sum insured and 2Lacs Deductibles) with per annum with guaranteed cumulative bonus benefits and non-payable expenses cover.

Your Super Top-Up  medical insurance plan’s additional coverage comes into action when the sum insured of your primary health insurance plan is exhausted. The top-up amount serves as a financial safety net, covering expenses that cross your base policy’s sum insured limit. This proves especially helpful during critical illnesses, surgeries, or prolonged hospitalizations, where medical costs can ramp up rapidly. The Super Top-Up  health insurance ensures that you do not have to dip into your savings or face financial strain during such testing times.

While everyone can benefit from ManipalCigna’s Super Top-Up  mediclaim policy, it is particularly advantageous for you if you wish to enhance your existing health coverage without buying an entirely new policy. You are also the ideal candidate for this insurance plan if your existing plan has a high deductible clause or if you are covered under corporate health insurance or family floater plans. Additionally, if you have a family history of hereditary illnesses or live in areas with a higher prevalence of certain diseases, then you should also consider opting for a Super Top-Up  plan.

Determining eligibility for Manipal Cigna’s Super Top-Up  health insurance is a simple process.

• You can visit our official website or contact our customer service helpline for precise details.
• Ensure you fit the age and existing health conditions criteria to qualify for coverage.
• You must disclose all pre-existing medical conditions during the application process to ensure transparency and prevent any disputes during the claim settlement process.
• You may need to undergo a medical examination, the results of which can influence the premium and coverage offered.

ManipalCigna provides the SahiCover Calculator that allows you to input your details and receive instant information about your eligibility for the Super Top-Up  plan. The calculator considers factors such as your age, existing health conditions, and the sum insured of the primary health insurance plan to provide a personalized assessment.

Inclusions	Exclusions
In-patient hospitalization	Any illness that results from any breach of law as committed by the insured person.
Pre-hospitalization costs	Medical conditions resulting from the use of drugs, Alcohol, or any substance abuse
Post-hospitalization expenses	Contamination caused by radiation or nuclear fuel leading to ailments or diseases.
Allopathic and AYUSH treatments.	Medical conditions caused by civil war or foreign invasion.
Day care treatments	Elective and non-medically necessary cosmetic procedures.
Coverage for non-medical expenses
Road ambulance cover
Organ donor expenses
Assured cumulative bonus

Super Top Up policy is similar to top-up policies, but there are certain points that will help you distinguish between the two.

Top up health insurance policies offer additional coverage that go beyond the threshold limit of your existing health insurance policy. Thus, each of your claims has to surpass the threshold limit of the top up policy for any amount to be paid from the policy. Meanwhile, under Super Top Up policy, the total of all your hospitalization bills above the threshold limit is covered. Thus, the claim becomes payable as the total of all your claims exceeding the deductible limit in a policy year.

Thus, a Super Top Up policy is a wise choice. Though, it is essential to choose the right deductible for your Super Top Up policy. Below are some reasons why you should choose the ManipalCigna Super Top Up Policy :

You get more protection with an increased cover. The added boost of Rs. 3 lakh keeps you covered over and above your health policy. Additionally, you can get additional coverage of up to Rs. 30 lacs at an increased premium with the ManipalCigna Super Top Up Policy.

Affordable premiums. The ManipalCigna Super Top Up Policy is super affordable with premiums as low as Rs. 1770 per annum.

Guaranteed Cumulative Bonus feature to beat inflation. With ManipalCigna Super Top Up Health Insurance policy, you get a 5% increase in Sum Insured per policy year up to a maximum of 50% of Sum Insured irrespective of claims.

Choice of any hospital room. Under the Super Top Up health insurance policy, you get to pick any room category in the hospital.

So, what are you waiting for? Buy Super Top Up health insurance from ManipalCigna now.

The benefits of Manipal Cigna’s Super Top-Up  Health Insurance extend beyond financial security. With an increased sum insured, you can face medical emergencies with confidence, knowing your insurance coverage extends beyond the limits of your primary health plan.

• You get coverage for all room categories, whether you need daycare procedures or in-patient hospitalization.
• You can claim coverage 30 days before and for up to 90 days after being discharged from the hospital.
• You can exhaust the entire limit of the sum insured on your base and top-up policies.
• You can claim coverage for the actual expense incurred towards items of non-medical nature listed under your policy wordings.
• You can obtain coverage for the actual sustained expenses per hospitalization event.
• Your Top-up policy also covers the hospitalization expenses of donors in the case of organ transplantation procedures.

In the event of a claim, Manipal Cigna strives to provide a hassle-free and quick settlement process. Our extensive network of hospitals with cashless claim facilities further help with reducing your financial burden during medical emergencies.

Q.1) What is a Super Top Up Policy?

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 policy is exhausted or insufficient to settle claim.

 

Q.2) What are the advantages/benefits of a Super Top Up Policy?

Super Top Up health insurance policies are an added protection in such scenarios, when the maximum payout from a basic health policy gets exhausted or insufficient. One can benefit from this policy by availing any room category as per their choice during hospitalization.

Q.3) Do I need to have a health insurance policy to opt for Super Top Up policy?

No, you need not. If you don't have a health policy, you can still purchase a Super   Top Up policy. However, in this case you will end up paying the expenses out-of-pocket until you exceed your deductible limit and the Super Top Up sum insured kicks in. Hence, it is ideal to have a basic health insurance policy, however not   mandatory.

Q.4) Does this policy provide AYUSH cover?

Yes, It covers Inpatient hospitalization/ 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 up to the sum insured.

Q.5) Can I cover self and my family member under this policy?

Yes, you can cover self, spouse & children on individual & family floater basis. For parents, a separate family floater policy can be opted. Extended family like brother and sister of the Policyholder who are children of same parents, grandparents, grandchildren, parent in laws, son in law, daughter in law, Uncle, Aunt, Niece and Nephew can be covered in individual basis.

 

Q.6) Will Specific Illness waiting period be waived under ManipalCigna Super Top Up policy?

A Specific illness waiting period of 24 months shall apply to the treatment whether   medical or surgical for all medical expenses along with their complications. List of Treatment is mentioned in policy terms & condition under section III (Waiting period). (Document available on our website download  section).

If these diseases are pre-existing or subsequently found to be pre-existing then   pre-existing waiting period will be applied.  For Ported policy continuity benefit will be available.

Q.7) A person undergoes dialysis for multiple times in a week, will ManipalCigna Super Top Up policy cover such procedure after the deductible limit is exhausted?

Yes, We will cover payment of medical expenses of an insured person in case of medically necessary dialysis treatment irrespective of number of times insured person is hospitalized. This treatment will start getting covered after the deductible limit is exhausted/insufficient till Sum Insured opted.

Q.8) Is there any co-pay applicable in this policy?

No, ManipalCigna Super Top Up plan covers all valid hospitalization bills above the threshold limit of Deductible amount. Once the Deductible limit is exhausted and Super Top Up policy kicks in, no further co-pay is applicable during settlement of claims.

Q.9) Does Super Top Up cover apply if my deductible limit is exhausted due to any claim made towards Worldwide Emergency Treatment?

No, Super Top Up cover will not be applicable towards Worldwide Emergency Treatment since it does not form a part of Base Cover of Super Top Up plan.

Q.10) Does Super Top Up cover Non-medical expenses incurred towards Maternity or maternity related complication claims?

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.

Q.11) If one ports existing Super Top Up policy from ABC Insurer after 1/2/3/4 years, will he/she be able to opt for Guaranteed Continuity on Deductible cover?

No, Guaranteed Continuity on Deductible option will only be available at the time of first purchase of ManipalCigna Super Top Up policy. Hence it will not be applicable for portability cases.

Q.12) How to buy this Super Top Up policy?

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

Q.13) Why Super Top Up Policy is revised within one year?

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

Q.14) What is the difference between a regular Top up plan and a Super Top Up plan?

Top Up health insurance plans cover policies that offer an additional coverage, beyond the threshold limit of the existing health insurance policy. (that is, each claim to surpass the threshold limit for any amount to be paid from the Top up policy)

Super Top Up plans are similar to top-up plans, except that Top Up plan covers a single claim above the threshold limit, while Super Top Up plan covers the total of all hospitalization bills above the threshold limit.

 

 

 

 

  

 

 

 

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.

Q.15) What factors should I keep in mind before buying a Super Top-Up  Policy?

Before buying a Super Top-Up  policy, you must consider your current health coverage, your family’s medical history, budget, and the plan’s inclusions/exclusions. You must ensure it complements your unique healthcare needs, provides adequate financial protection against unexpected medical expenses and thoroughly understand the policy terms and conditions.

Q.16) What is the meaning of a deductible in a Super Top-Up  medical insurance plan?

A deductible in a Super Top-Up  medical insurance policy is the initial amount you must pay before your insurer starts covering your costs. It serves as a threshold limit that insurers set before they pay for your medical bills. Choosing a deductible influences the premium you pay. A higher deductible can lower the premium but increase your initial out-of-pocket expenses.

Q.17) Do Super Top-Up  plans cover AYUSH treatments?

Yes, Treatments categorized under AYUSH, i.e., Ayurveda, Yoga, Unani, Siddha and Homeopathic treatments are covered under super-top up plans in accordance with IRDAI regulations. However, the extent of coverage, including the coverage limit and the applicable deductibles may vary, depending on the amount you opt for at the time of purchasing the policy.

Is it possible to add or remove a family member from Super Top-Up  health insurance plans?

Yes, you can typically add or remove family members from a Super Top-Up  mediclaim policy, usually during the renewal period. Check with the insurer for specific details on the process, any associated costs, and conditions that may apply to adding or removing family members from the policy.

Q.18) How can Super Top-Up  health insurance be beneficial for my parents?

Super Top-Up  health insurance benefits your parents by offering additional financial protection. It covers medical expenses beyond their primary health plan, ensuring comprehensive coverage. This extra layer of security eases the financial burden during unforeseen medical emergencies, providing peace of mind for both you and your parents.

Q.19) What factors impact a Super Top-Up  health insurance plan’s premiums?

Several factors influence the premium costs associated with a Super Top-Up  health insurance plan, including your age, health condition, chosen sum insured, deductible amount, and any pre-existing medical conditions you may have.

Q.20) Can I choose a higher deductible limit in a super-top up plan?

Yes, you can choose a higher deductible limit in your super-top up plan. Opting for a higher deductible helps lower the premium payable but can increase the initial out-of-pocket expense you have to bear if and when you are hospitalized. This flexibility allows you to tailor the plan to your budget and risk tolerance while enjoying comprehensive coverage.

Q.21) Which is a better option to choose from – a top-up or a Super Top-Up  plan?

Both top-up and Super Top-Up  plans offer excellent coverage, however, the Super Top-Up  plan offers more extensive coverage when compared to the premiums levied against them. Your insurer activates this plan only after your total medical expenses surpass a set limit, offering you comprehensive protection beyond a regular top-up plan.