Health insurance has become a necessity today. With changing times and evolving medical facilities, health insurance providers have also upgraded their offerings to ensure every individual is covered well. ManipalCigna offers ManipalCigna Super Top-up Policy that ensures you are adequately covered against sudden medical requirements, even as healthcare costs rise. The policy provides you with add-on benefits missing from your current policy. It acts as a backup for your health plan.
In case of hospitalisation for more than 24 hours due to illness or injury, the policy will cover the room charges, ICU expenses, nursing charges, doctor fees, surgeon fees, blood, oxygen, operation theatre charges and other medical expenses.
Coverage also includes:
• Medical expenses for HIV, AIDS and related diseases, maximum up to Rs. 2 lakh after a waiting period of 2 years.
• Medical expenses incurred towards modern and advanced treatment methods, maximum up to sum insured.
• Expenses for artificial life maintenance, including life support machine use, even if the treatment doesn't result in recovery or restoration of the previous state.
The plan reimburses medical expenses incurred before the date of hospitalisation.
It covers the medical expenses incurred after you are discharged from the hospital.
The plan covers medical expenses for treatment that needs less than 24 hours of hospitalisation.
The plan covers the expenses towards hospital transportation by registered ambulance services for the treatment of illness or injury during an emergency, up to Rs. 2,000 per hospitalisation.
The plan covers in-patient medical expenses up to the limit of the sum insured towards non-allopathic treatments such as Ayurveda, Yoga, Naturopathy, Unani, Siddha, and Homoeopathy for hospitalisation arising from an accident or illness undertaken in a government hospital or government-recognised institute or registered AYUSH hospital.
The plan covers in-patient medical expenses incurred by the donor if the insured is required to go for a major organ transplant.
Here are two benefits offered under the option covers:
From the fifth policy year onwards, you will have an option to opt for a separate base policy*, with guaranteed continuity on waiting periods. No fresh risk assessment shall be done for the sum insured up to the deductible amount opted under ManipalCigna Super Top-Up.
You will have the option to reduce the waiting period for pre-existing diseases to 24 months from the inception of the policy. This applies to all the insured persons covered under this policy.
This covers the following benefit:
You will get a lump sum benefit up to your opted sum insured in case of the first diagnosis of the covered 11 critical illnesses.
|Manipal Cigna Super Top-Up Insurance Policy|
|Policy type||Individual/ family floater|
|Entry age||Minimum entry age (adult): 18 years
MMinimum entry age (child): 91 days
Maximum entry age (adult): None
Maximum entry age (child): 23 years
|Policy term||One, two and three years|
|Sum insured and deductible options||Deductible -> Sum insured
3 lakh, 3.5 lakh -> 3 lakh, 6 lakh
4 lakh, 4.5 lakh -> 4 lakh, 8 lakh
5 lakh, 5.5 lakh -> 5 lakh, 10 lakh, 15 lakh, 20 lakh
7.5 lakh -> 10 lakh, 15 lakh, 20 lakh
10 lakh -> 10 lakh, 20 lakh, 30 lakh
|Starting premium (including taxes)||Rs. 1,290 (for individual policy)|
|Number of members covered||6 members (2 adults + 4 children)|
To purchase the policy, follow these steps:
The following mandatory documents will be needed to purchase the policy:
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:
BFL Helpline Number: 08698010101
ManipalCigna helpline number: 1800-102-4462
Mailing address: Ground Floor, Bajaj Finserv Corporate Office, Off Pune-Ahmednagar Road, Viman Nagar, Pune – 411014.
*For claim related issues, please refer to your policy document or certificate of insurance (COI).
Bajaj Finance Limited (BFL) is a registered corporate agent of third-party insurance products of Bajaj Allianz Life Insurance Company Limited, HDFC Life Insurance Company Limited, Future Generali Life Insurance Company Limited, Bajaj Allianz General Insurance Company Limited, General Insurance Company Limited, ACKO General Insurance Limited, Niva Bupa Health Insurance Company Limited, Aditya Birla Health Insurance Company Limited, and ManipalCigna Health Insurance Company Limited under the IRDAI composite registration number CA0101.
Please note that BFL does not underwrite the risk or act as an insurer. Your purchase of an insurance product is purely voluntary after you exercise independent due diligence on the suitability and viability of any insurance product. Any decision to purchase an insurance product is solely at your own risk and responsibility, and BFL shall not be liable for any loss or damage that any person may suffer, whether directly or indirectly. This product provides insurance coverage under ManipalCigna ProHealth Insurance UIN: MCIHLIP21546V052021 and ManipalCigna Critical Illness Add-on Cover UIN: MCIHLIP21128V022021. Please refer to the insurer's website for policy wordings. For more details on risk factors, terms and conditions, and exclusions, please read the product sales brochure carefully before concluding a sale.
Tax benefits applicable, if any, will be per the prevailing tax laws. Tax laws are subject to change. BFL does NOT provide tax/investment advisory services. Please consult your advisors before proceeding to purchase an insurance product.
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