Manipal Cigna Super Top-Up Group Senior Citizen Insurance Plan

Manipal Cigna Super Top-Up Group Insurance Plan

ManipalCigna 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 covers non-medical expenses mentioned under policy wordings.

ManipalCigna Super Top-up Group Insurance Policy is designed to provide comprehensive benefits and access to quality health care in case of unfortunate events of hospitalisation for illness/injury safeguarding your financial well-being.
 

Key Features and Benefits



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

  • 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 for any room category.

  • Pre-hospitalisation expenses

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

  • Post-hospitalisation expenses

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

  • Day care treatment

    Some individuals prefer their treatment to be taken at home rather than in a hospital. On the other hand, some doctors also advise staying at home for the treatment. The policy covers expenses for treatment taken at home, in case, you are not hospitalised.

  • 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 the ambulance that is used for transportation to the hospital for treatment.

  • Deductible options

    There are two deductible options available for selection on an annual aggregate basis for Rs. 2 lakh and Rs. 3 lakh respectively.

  • 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 Group Insurance Plan
Insurer name ManipalCigna Health Insurance Company Limited
Policy type Individual/ Family Floater (For Customers of Bajaj Finance Ltd)
Entry age Maximum entry age adult: 66+ years
Tenure One year
Sum insured Rs. 5 lakh
Starting premium (including taxes) Rs. 8,033
Number of members covered 2 members (2 adults)
Relationship allowed Self, spouse, mother, father, mother-in-law, father-in-law
Only one set of parent/parents-in-law allowed if the son/daughter is proposing.
A combination like father and father-in-law is not allowed under the same floater policy.
Self-aged 45 years and above are also allowed, provided self and spouse both are covered under the same floater policy.

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. 8,033 including taxes, with maximum coverage of Rs. 5 lakh.

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*(In Years)
45-65 Rs. 8033 Rs. 5173 Rs. 11990 Rs. 7721
66+ Rs. 12452 Rs. 8033 Rs. 18585 Rs. 11990

How to Purchase the Policy

To purchase the policy, follow these steps:

  • To apply for the Manipal Cigna Super Top-Up Group Insurance Plan, you can purchase 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 the insurer’s network diagnostic centres.
  • On purchasing this plan online, your policy will be generated instantly along with your policy kit and card. This is applicable for cases that do not require further underwriting or medical check-up.
  • This plan is available for Bajaj Finance customers only.

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 ManipalCigna Pro-health Group Insurance Plan, you can avail the benefit of cashless treatment from 3500+ network hospitals by following the below process:

  • Get admitted to any one of Manipal Cigna network hospitals.
  • Use your ManipalCigna Super Top-up Insurance card or share your policy number with the concerned team at the hospital along with your passport/PAN card/voter’s ID as identification proof.
  • The network hospital will then 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 the claim request.
  • The only activity left to do now is the final settlement of your claim (as per the policy terms and conditions) with the hospital after completion of all the necessary formalities.

Reimbursement Claims 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 were admitted to.
  • After you get discharged from the hospital, make sure you have all the relevant documents, invoices, medical reports, and discharge certificates 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 in 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 approval, raise a query or reject the same (as per the policy terms and conditions).
  • Finally, the insurer will settle the claim (as per the policy terms and conditions) and reimburse the approved amount.
Collect below mentioned relevant document in original form from the hospital and submit them to the insurer 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

Here are some of the 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. Dental treatments and cosmetic surgeries
  6. Ailments requiring treatment due to use or abuse of any substance, drug, or alcohol and treatment for de-addiction.
  7. Circumcision unless required for the treatment of Illness or accidental bodily injury.
  8. Cosmetic, aesthetic, and re-shaping treatments & surgeries.
  9. Psychiatric or psychological disorders, mental disorders.
  10. Ailment wise capping and ambulance charges
  11. Hearing aids, spectacles, or contact lenses including optometric therapy. Abuse or the consequences of the abuse of intoxicants or hallucinogenic substances.
  12. Sexually transmitted diseases such as AIDS and HIV
  13. Waiting Period:
  14. • Initial waiting period for hospitalisation is 30 days from the date of inception of cover.
    • 24 months from the date of inception of the policy for specific diseases like cataract, hernia, hysterectomy, joint replacement etc.
    • 24 months from date of inception of the policy for pre-existing diseases.
  15. Refer to the policy document to know more exclusions in detail

Claim/Assistance Contact Details

Toll-free numbers: 08698010101/1800-209-0144 /1800-209-5858

E-mail:– wecare@bajajfinserv.in

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


*For claim related issues please refer your policy document or certificate of insurance (COI).

Disclaimer

Conditions apply. This product is offered under the Group Insurance scheme wherein Bajaj Finance Limited is the Master policyholder. The insurance coverage is provided by our partner Insurance Company. Bajaj Finance Limited does not underwrite the risk. IRDAI Corporate Agency Registration Number CA0101. The above-mentioned benefits and premium amount are subject to various factors such as the age of insured, lifestyle habits, health, etc (if applicable). BFL does NOT hold any responsibility for the issuance, quality, serviceability, maintenance, and any claims post-sale. This product provides insurance coverage under ManipalCigna ProHealth Group Insurance Policy UIN: MCIHLGP21172V032021. Please refer insurer's website for Policy Wordings. Purchase of this product is purely voluntary. BFL does not compel any of its customers to mandatorily purchase any third-party products.