ManipalCigna Super Top Up Group Senior Citizen Plan starting at Rs. 12,453

ManipalCigna Health Insurance - Super Top Up Group Senior Citizen Plan starting at Rs. 12,453*

Note: This policy is available only for existing Bajaj Finance Limited customers. By proceeding, you agree to the terms and conditions

Key features and benefits of this policy


Features and benefits of Manipal Cigna Super Top-up Group Senior Citizen Plan

Get comprehensive group health insurance for senior citizens. Premiums starting at just Rs. 12,453* annually.

  • Cashless claims facility at 6,000+ network hospital

    Cashless claims facility at 6,500+ network hospital

    Get cashless health treatment facility at 6,500+ network hospitals under this policy. ManipalCigna Health Insurance company will directly settle the bill with the hospital.

  • In-patient hospitalisation coverage for senior citizens

    In-patient hospitalisation coverage for senior citizens

    Covers expenses of room rent, ICU, operation theatre, doctor’s fee, nursing, and medicines. Also, covers enteral feeding (tube feeding) expenses for up to 7 days in a policy year.

  • Pre-hospitalisation expenses coverage

    Pre-hospitalisation expenses coverage

    Covers medical expenses of treatments taken for an illness or injury from 60 days before hospitalisation.

  • Post-hospitalisation expenses coverage

    Post-hospitalisation expenses coverage

    Covers medical treatments taken for an illness or injury in the recovery phase. Get coverage for up to 90 days after hospitalisation.

  • Domiciliary hospitalisation cover

    Domiciliary hospitalisation cover

    Covers the treatment taken at home under a doctor’s supervision. You can avail this benefit if the insured cannot go to the hospital or no bed available.

  • Organ donor expenses cover

    Organ donor expenses cover

    Covers hospitalisation expenses of the donor for organ transplant procedure if advised to the insured.

  • Daycare treatment cover

    Daycare treatment cover

    Get coverage for medical expenses for treatment that needs less than 24 hours of hospitalisation.

  • Road ambulance cover

    Road ambulance cover

    Get reimbursement on ambulance charges up to Rs. 2,000 per hospitalisation.

  • Deductible options

    Deductible options

    Choose from two deductible options on an annual aggregate basis. You can choose between Rs. 2 lakh and Rs. 3 lakh for individual or family floater plan.

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Eligibility criteria and documents required

Anyone can apply for ManipalCigna Super Top-up Group Senior Citizen Plan as long as you meet these basic criteria mentioned below. If you meet all the eligibility criteria, we will need some basic information to complete your application process.

Eligibility criteria

  • Available exclusively for Bajaj Finance customers
  • Nationality: Indian
  • Age: 66+ years

Documents required

Only basic information required while buying the policy:
  • Date of birth as per PAN card
  • Valid 10-digit mobile number
  • Residential PIN code

Step-by-step guide to buy this policy


Apply for a ManipalCigna Super Top-up Group Senior Citizen plan

Watch this video to know about the details of the ManipalCigna Super Top-up Group Senior Citizen plan

  • Step 1

    Step 1

    Click on ‘Get Quote’ to open our online application form.

  • Step 2

    Step 2

    Fill in the application form with your basic details or the person whom you want to insure. Provide name, gender, mobile number, date of birth, and residential PIN code.

  • Step 3

    Step 3

    Now click on ‘Get Quote’ to proceed.

  • Step 4

    Step 4

    Change the policy type option located on top of the page to Top-up to get a list of top-up health plans. Choose ManipalCigna Super Top-up Group Senior Citizen plan by clicking the ‘Buy Now’ button.

  • Step 5

    Step 5

    Select the policy term and premium amount.

  • Step 6

    Step 6

    Enter your email ID and check if all personal details shown are correct. Click ‘Next’ to proceed.

  • Step 7

    Enter some additional details, such as height, weight, nationality, marital status, address, and nominee details (if applicable).

  • Step 8

    Answer a few questions about your health and lifestyle by clicking the relevant checkboxes. Click on the ‘Next’ button to proceed.

  • Step 9

    Verify if the previously filled details are correct. Click on the ‘Proceed’ button to visit the payment page.

  • Step 10

    Make the payment through net banking, UPI, debit, or credit card to buy the policy.

    After successful payment, your policy document will be available for you to download instantly. You will receive a copy of the policy document on your registered email ID within 5-7 working days.

    You will also receive an SMS confirmation immediately after the payment processed successfully.

    You can also access your policy details through the My Account section within 5-7 days after purchase.

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Policy details

Here’s a quick look at the policy details of the ManipalCigna Super Top up Group Senior Citizens Plan:

Policy details Description
Policy Type Individual/ family floater (for customers of Bajaj Finance Ltd.)
Starting premium (in Rs.) 12,453*
Sum insured (in Rs.) 5 lakh
Policy term One year
Number of members covered 2 members (2 adults)
Relationship allowed Enrol yourself, spouse, mother, father, mother-in-law, or father-in-law. Only one set of parent/parents-in-law allowed if the son/daughter applies for the plan. A combination like father and father-in-law not allowed under the same floater policy.

Key inclusions and exclusions

Here’s a quick look at the inclusions and exclusions under ManipalCigna Super Top-up Group Senior Citizens plan:

  • Key inclusions
  • Key exclusions
Key inclusions Description
In-patient hospitalisation Covers hospitalisation for more than 24 hours, room, and ICU rent. Also, nursing, doctor, surgeon, oxygen, operation theatre, and other medical expenses.
Organ donor expenses Covers organ donor’s in-patient hospitalisation expenses up to the sum insured.
Road ambulance cover Get up to Rs. 2,000 for road ambulance services.
Domiciliary treatment Coverage for home treatment in case hospitalisation is not possible.
Pre-and post-hospitalisation expenses Medical expenses for up to 60 days before hospitalisation and 90 days after hospitalisation.
Daycare treatment For treatment that needs less than 24 hours of hospitalisation.
Key exclusions Description
Dental treatment Cosmetic surgeries, dentures, artificial teeth, etc., are not covered
Vaccination Apart from the post-bite or necessary vaccination, rest is not covered
Plastic surgery Apart from cancer, burns or accidental bodily injury, rest is not covered

How to raise a cashless claim

Follow these steps to raise claim requests for cashless hospitalisation with ManipalCigna Health Insurance.

  • Contact the insurer

    Step 1 - Contact the insurer

    Contact the insurer within 48 hours of emergency hospitalisation and 3 days before planned hospitalisation.

    1. Toll-free: 1800-102-4462
    2. E-mail:

  • Locate a network hospital near you

    Step 2 - Locate a network hospital near you

    You can get cashless treatment at 6,500+ Manipal Cigna Health Insurance network hospitals across India. Click here to locate a hospital near you.

  • Submit the pre-authorisation form

    Step 3 - Submit the pre-authorisation form

    Fill out and submit the pre-authorisation form available at the insurance desk of the hospital. Alternatively, you can download the form by visiting the insurer’s website and fill it beforehand.

  • Insurer will assess and approve

    Step 4 - Medical procedure starts

    After assessing your claim requirement, the hospital will get an initial approval to start procedures from the insurer.

  • Step 5 - Claim settlement

    Step 5 - Claim settlement

    The insurer will review and verify the documents and process the claim per the policy terms and conditions. Insurer will directly settle the bills with the hospital.

• On approval: Following approval, the insurance provider will send the network hospital a legally signed authorisation letter. Insurer will inform the hospital regarding the necessary paperwork. Furthermore, insurer will grant authorisation only after receiving the appropriate documents.
• Formalities for discharge: The network hospital needs to submit the final authorisation request with any residual amount, the final hospital bill, and the discharge narrative. The patient gets discharged after the hospital receives insurer's final authorisation letter. The claimant will be responsible for any inadmissible expenses, such as co-payments or deductions (if applicable).

• A settlement with the hospital authority: Insurer will examine the claim documents and pay the hospital directly.
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How to raise a reimbursement claim

Here’s a step-by-step process to get medical reimbursement.

  • Contact the insurer

    Step 1 - Contact the insurer

    Contact the insurer within 48 hours of emergency hospitalisation and 3 days before planned hospitalisation.

    1. Toll-free: 1800-102-4462
    2. E-mail:

  • Step 2 - Settle all hospital bills

    Step 2 - Settle all hospital bills

    Settle all medical bills and other costs involved in hospitalisation and treatment at the hospital.

  • Step 3 - Submit necessary documents

    Step 3 - Submit necessary documents

    Submit the reimbursement claim form and hospital discharge summary at the insurer’s nearest branch office. Also, bills and prescriptions. Submit the documents within 15 days after getting discharged from the hospital.

  • Step 4 - Claim settlement

    Step 4 - Claim settlement

    The insurer will analyse the admissibility of the claim after receiving all claim-related documentation and process the same. Insurer will transfer the amount to your registered bank account.

Documents required for raising a claim request

Here is the list of documents that you need to raise a claim request with ManipalCigna Health Insurance.

  • Filled claim form (part A by the insured and part B by the hospital)
  • Valid ID proof (PAN, voter ID, passport)
  • Original discharge summary
  • Original hospital bills and payment receipts
  • All doctor consultation papers
  • FIR copy or post-mortem report in case of an accident or death

Frequently asked questions

What is a top-up health plan?

A top-up plan gives additional coverage, enhancing your existing health plan. It covers pre-and post-hospitalisation expenses, maternity and newborn baby expenses, and AYUSH treatment. Also, gives daily cash allowance among many other benefits.

Do I get any tax benefits under this plan?

Yes. ManipalCigna Super Top-up Group Senior Citizens plan offers tax exemptions under section 80D of the Income Tax Act.

How are senior citizens benefited from this plan?

ManipalCigna ProHealth Senior Citizens Top-up Plan is a specially designed plan for senior citizens. It covers organ donor expenses, domiciliary hospitalisation, road ambulance charges, and more.

How much time does it take for claim approval under the plan?

For cashless claims, you get claim approval for ManipalCigna ProHealth Senior Citizens Top-up within 30 minutes. For reimbursement claims, it may take up to a week.

Are organ donor expenses covered under this policy?

Yes, you get coverage for the medical expenses incurred for an organ donor’s in-patient treatment.

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*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 Manipal Cigna Health Insurance. Bajaj Finance Limited does not underwrite the risk. IRDAI Corporate Agency Registration Number CA0101. BFL does NOT hold any responsibility for the issuance, quality, serviceability, maintenance and any claims post sale. This product provides insurance coverage with Super Top Up Group Senior Citizen UIN: MCIHLGP21172V032021. Please refer insurer's website for Policy Wordings. Purchase of this product is purely voluntary in nature. BFL does not compel any of its customers to mandatorily purchase any third party products.

Note – While we have made all efforts and taken utmost care in gathering precise information about the products, features, benefits, etc. However, BFL cannot be held liable for any direct or indirect damage/loss. We request our customers to conduct their research about these products and refer to the respective product’s sales brochures before concluding their sale.