Manipal Cigna Super Top-Up Group Senior Citizen Insurance Plan

ManipalCigna Super Top Up Group Insurance Plan is an additional health plan for you and your family to get added coverage to deal with unexpected health risks. You can top up your existing insurance plan at nominal rates with this plan. 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 the event of hospitalisation for illness/injury, safeguarding your financial well-being.
 

Key features and benefits

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  In-patient hospitalisation expenses cover

  ManipalCigna Super Top Up Group Insurance Plan offers in-patient hospital, including medical expenses for hospitalisation of more than 24 hours for any room category.

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  Pre-hospitalisation expenses cover

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

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  Post-hospitalisation expenses cover

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

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  Daycare treatment cover

  The plan covers medical expenses for treatment that needs less than 24 hours of hospitalisation.

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  Organ donor expenses cover

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

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  Domiciliary hospitalisation cover

  Medical treatment taken at home is also covered if your condition is unsuitable for hospital transfer or if there are no hospital beds available.

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  Road ambulance cover

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

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  Deductible options

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

• 

  Tax benefits

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

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.

To purchase the policy, follow these steps:

• Simply fill in your basic and health details online to apply for the ManipalCigna Super Top Up Insurance Policy.
• 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 centre.
• 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.

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

Cashless Claims

With ManipalCigna Super Top Up Insurance Policy, you can avail the benefit of cashless treatment from 6,500+ network hospitals by following the below process:

• Get admitted to any one of ManipalCigna 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 validate your identity and submit the pre-authorisation request to the insurer.
• After validation, the insurer will review and provide their confirmation to the network hospital by fax and e-mail. The insurer ensures you are also notified of the same through text message and e-mail. 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 (per policy terms and conditions) with the hospital after completing all the necessary formalities.

Reimbursement claims

• If you get hospitalised, notify the insurer within 48 hours of admission to a 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 the discharge certificate with you. The insurer would need the originals of all the mentioned documents to process your reimbursement.
• All the documents should be filled and signed along with the claim form and sent to the insurer. 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 their approval, raise a query, or reject the same (per policy terms and conditions)
• Finally, the insurer will settle the claim (per policy terms and conditions) and reimburse the approved amount.

• Original investigation reports
• Final hospital discharge summary, FIR, or port-mortem, if any
• 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

Here are some of the policy exclusions:

1. Any illness resulting from the insured individual 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 and surgeries
9. Psychiatric or psychological disorders and mental disorders
10. Ailment-wise capping and ambulance charges
11. Hearing aids, spectacles, or contact lenses, including optometric therapy.
12. Abuse or the consequences of the abuse of intoxicants or hallucinogenic substances
13. Sexually transmitted diseases such as AIDS and HIV
14. Waiting period:
    • 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.

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.