Manipal Cigna Super Top-Up Group Senior Citizen Insurance Plan

Manipal Cigna Super Top-Up Group Insurance Plan - Overview

The Manipal Cigna Super Top-Up Group plan is the backup health plan for you and your family to get additional coverage to deal with unexpected health risks. With this plan, you can top-up your existing insurance plan at nominal rates. The plan comes with additional smart features over your existing plan and covering non-medical expenses mentioned under policy wordings.

  • Key Features & Benefits

    The key features covered under Manipal Cigna Super Top-Up Group Insurance Plan are as follows:

  • Cashless Claims

    The plan comes with the benefit to avail cashless facility in times of medical contingencies in 6500+ network hospitals.

  • In-patient Hospitalisation Expenses:

    Manipal Cigna Super Top-Up Group Insurance Plan offers in-patient hospital expenses which include medical expenses for hospitalization of more than 24 hours which is covered up to any room category.

  • Pre-Hospitalisation Expenses

    This policy covers medical costs incurred due to an illness or injury 60 days immediately before hospitalisation.

  • Post-Hospitalisation Expenses

    The plan pays for the medical costs incurred due to an illness or injury 90 days immediately after hospitalisation.

  • Day-Care Treatment:

    If in case, you are not hospitalized, and all your treatments are done at home then all those expenses are also covered in this plan. Some individuals prefer their treatment to be done at home rather than in a hospital. On the other hand, some doctors also advise staying at home for the treatment.

  • Organ Donor Expenses

    Medical Expenses incurred for an organ donor’s treatment for the harvesting of the organ donated will be covered under the policy.

  • Domiciliary Hospitalisation Cover:

    Medical treatment taken at home is also covered in case your condition was not suitable for hospital transfer or if there was no hospital bed available.

  • Road Ambulance Cover

    The plan also covers the charges incurred towards ambulance that is used for transportation to the hospital for treatment.

  • Tax Benefits

    The health insurance plan offers tax exemptions under Section 80D of the Income Tax Act 1961.

Policy Details

Manipal Cigna Super Top-Up Insurance Plan
Policy Type Individual/ Family Floater (For Customers of Bajaj Finance Ltd)
Entry Age Minimum Entry Age Adult: 45 years
Maximum Entry Age Adult: 66 years
Tenure One, two and three years
Sum Insured Rs. 5 Lakh
Starting Premium Rs. 8033
Number of members covered 2 members(2A)

Plans Available

Health Insurance helps you to be stress-free while dealing with medical contingencies due to sickness and accidental injuries for you and your loved ones. The plans are available starting from Rs. 8033, with maximum coverage of Rs. 5 lakh.

Eligibility Criteria

The eligibility criteria for the Manipal Cigna Super Top-Up Group plan are as follows:

  • To apply the Manipal Cigna Super Top-Up Group Insurance Plan, you can buy it easily online by filling in your basic and health details.
  • Ensure that the information given in the form is complete and accurate.
  • You may be required to undergo a pre-policy medical examination at our network diagnostic centres.
  • On buying this plan online, your policy will be generated instantly along with your policy kit and card. This is applicable for cases which do not require further underwriting or medical check-up.

List of Documents Required for purchasing the policy

The following mandatory documents will be needed to purchase the policy:
  • Photograph of the Applicant
  • Age proof such as birth certificate, Voter’s ID, PAN card, passport etc.
  • Identity proof such as passport, Aadhaar card, PAN card, Voter’s ID, etc.
  • Income Proof such as Form 16, salary slips, employment certificate etc.
  • Address proof such as telephone bill, electricity bill, passport, bank statement, Voter’s ID, etc.
  • Medical Test that the insurer requires you to undergo.

How to process claims

Cashless Claims Documents needed to process cashless claim:

  • With the Manipal Cigna Super Top-Up Group Insurance Plan, you can avail the benefit of cashless treatment with our 3500+ network hospitals by following the following process:
  • Get admitted to any one of Manipal Cigna network hospitals.
  • Use your Manipal Cigna Super Top-Up Group Insurance card or share your policy number with the concerned team at a hospital along with your Passport/PAN card/ Voter’s ID as identification proof.
  • Now, the network hospital will verify your identity for validation and submit the pre-authorization request to the insurer
  • After validation, the insurer will review and provide their confirmation to the network hospital by fax and email. The insurer ensures you are also notified of the same through text message and email. The insurer will respond to your request within 30 minutes of filing of the claim request.
  • The only activity left to do now is the final settlement of your claim (as per policy terms & conditions) with the hospital after completion of all the necessary formalities

Documents needed to process reimbursement claim:

  • If you get hospitalized, notify the insurer within 48 hours of admission in our network or non-network hospital. After getting admitted pay the amount directly to the hospital you are in.
  • After you are discharged from the hospital, make sure you have all the relevant documents, invoices, medical reports and discharge certificate with you. The insurer would need the originals of all the mentioned documents to process your reimbursement.
  • Send all the documents to the insurer which should be filled and signed the claim form. Send your valid ID proof and age proof as well.
  • After receiving your documents, the insurer will review your claim request and accordingly will give our approval, raise a query or reject the same (as per policy terms & conditions)
  • Finally, the insurer will settle the claim (as per policy terms & conditions) and reimburse the approved amount.
  • Collect below mentioned relevant document in original from the hospital and submit them to us within 15 days of discharge from the hospital
  • Original investigation reports
  • Final hospital discharge summary FIR or post-mortem report if happened
  • Pharmacy bills along with the prescription
  • Cancelled cheque or NEFT details for payment
  • Original bills, receipts, and discharge report
  • Indoor case papers and duly filled claim form
  • Original hospital bills and a valid photo ID proof Treating doctor's report
  • Original consultation notes Nature of operation performed and surgeon's bill and receipt
  • Test reports along with attending doctor’s or surgeon’s report.

Major Policy Exclusions

  1. Any illness resulting from the Insured committing any breach of law.
  2. Contamination from Nuclear fuel or radiation
  3. Foreign invasion or civil war
  4. Suicide or drug abuse
  5. Refer the policy document to know more exclusions in detail

Deductibles

Family Type 1 Adult 2 Adults
Sum Insured Rs. 5 lakh Rs. 5 lakh Rs. 5 lakh Rs. 5 lakh
Deductible Rs. 2 lakh Rs. 3 lakh Rs. 2 lakh Rs. 3 lakh
Age Band*
45-65 Rs. 8033 Rs. 5173 Rs. 11990 Rs. 7721
66+ Rs. 12452 Rs. 8033 Rs. 18585 Rs. 11990

Claim/Assistance Contact Details

Mailing address:4th Floor, Bajaj Finserv Corporate Office, Off Pune-Ahmednagar Road, Viman Nagar, Pune – 411014