Overview
The Manipal Cigna Super Top-up plan is designed to provide an additional layer of health coverage beyond your base health insurance policy, with sum insured options ranging from ₹1 lakh to ₹30 lakhs. It offers a flexible deductible choice between ₹1 lakh and ₹10 lakhs [depending on the plan option], allowing policyholders to customize coverage according to their needs. The plan features a guaranteed 5% increase up to a 50% cumulative bonus irrespective of claims done, no room rent restrictions, no disease-wise sub-limits, no co-payment, and coverage for non-medical expenses, making it a practical and affordable option for enhanced financial protection.
Experts' Review
Written by Nikhil Nair
Senior Writer
The Manipal Cigna Super Top-up plan is a well-rounded product that offers valuable top-up coverage with minimal restrictions. Its key USP is the guaranteed 5% cumulative bonus on the sum insured, irrespective of claims made, which can increase coverage by up to 50%, helping policyholders keep pace with inflation without additional premium loading.
The plan allows policyholders to choose any hospital room category, a feature not always available in competing super top-up plans. The plan has no co-payment clause or disease-wise restrictions, offers 60 & 90 days pre- and post-hospitalization, and covers daycare and AYUSH up to the Sum Insured; however, it lacks domiciliary treatment, restoration, and health check-up benefits.
While the maximum sum insured cap of ₹30 lakhs is moderate compared to some competitors offering up to ₹50 lakhs or more, the plan’s affordability and flexibility in deductible options make it attractive.
Compared to other super top-up plans like ICICI Lombard Health Booster or HDFC ERGO Super Top-up, Manipal Cigna’s offering is slightly more affordable. The plan also covers non-payable expenses and donor hospitalization, adding practical value.
Pros
Feature set is satisfactory.
Insurer has a solid track record with great claim and service metrics.
Cons
No Restoration Benefit, which is a notable gap.
Your insurer doesn’t provide free health check-ups, which could be a drawback for some.
No coverage if you are forced to hospitalize at home, which is a key feature.
Manipal Cigna
Key Insights
Founded
2014
Manipal Cigna was established 11 years ago, making it a relatively new entrant with a developing track record.
Claims Experience
91% claims settled in 30 Days
Manipal Cigna settles 91% of all claims it receives demonstrating strong credibility.
Network Hospitals
8,500+
Manipal Cigna maintains a moderate network of 8,500 hospitals, offering reasonable coverage across key locations.
Complaints
24 complaints per 10,000 claims registered
Manipal Cigna experiences a moderate number of complaints, indicating room for improvement in addressing customer concerns.
Features
All
Great
Good
Co-payment
The insurer will bear the entire cost of treatment (up to the sum insured). You won’t have to pay a single penny. Meaning this policy has no co-payment.
Room Rent
Shared room, single room, deluxe room or any room that’s available. The insurer won’t nitpick on your choice of room since the policy has no restrictions on room rent.
Disease sub-limit
No funny business here. If your insurer hasn’t explicitly stated they won’t cover a certain illness, you can claim the full amount up to the sum insured, irrespective of the disease you’re dealing with. Meaning this policy doesn't impose the dreaded disease wise sub-limits.
Pre/Post hospitalization
No worries if the doctor had to run a host of diagnostic tests before or after hospitalizing you. The insurer has your back. They will cover this amount in full for a pretty reasonable duration - 60 days before you are hospitalized and 90 days after discharge. This includes the cost of medication by the way.
Day care
If you’re hospitalized for less than 24 hours in lieu of a minor procedure, then the insurer will cover these costs too. Think dialysis, chemotherapy or minor surgeries.
Add-ons
Reduction in PED
Recommended
For any illness: Pre existing disease waiting period is modified/reduced from 3 Years to 2 Years.
ManipalCigna Health 360 OPD cover
Get coverage for outpatient and e-consultations i.e. doctor visits along with coverage for prescribed diagnostics and pharmacy based on the option taken.
Critical Illness
Lump sum payout in the event you are diagnosed with critical illnesses outlined in the policy document.
Guaranteed Continuity on Deductible
Get a guaranteed continuity on the waiting periods up to the Deductible limit while opting for a specified indemnity base health insurance policy after 5 years of continuous coverage under the Super Top-up plan subject to certain conditions mentioned in the policy schedule.
Permanent Exclusions
Conditions or treatments that the policy clearly says it will not cover.
Expenses related to any admission primarily for diagnostics and evaluation purposes are excluded.
Diagnostic expenses not related or incidental to current diagnosis and treatment are excluded.
Expenses for admission primarily for bed rest and not for treatment are excluded.
Custodial care at home or in a facility for help with daily activities is excluded.
Services for terminally ill individuals addressing non-medical needs are excluded.
Disclaimer: For illustration purposes only - exact terms are in the policy wording.
Specific Illness
The following illnesses are not covered under the policy for 2 years.
Cataract
Hysterectomy (for menorrhagia, fibromyoma, or prolapse of uterus)
Myomectomy (for fibroids)
Knee replacement surgery (non-accident)
Non-infective arthritis
Waiting Period
30 days Initial waiting period
2 years Specific illness waiting period
3 years Pre-existing disease waiting periodCustomisable
Ditto's Take
◦ Excellent ◦
Waiting periods on this policy are excellent. This policy also further allows to reduce the PED waiting period to 2 Years for all diseases.
What's missing in the policy
No Restoration Benefit.
Your insurer doesn’t provide free health check-ups.
No coverage if you are forced to hospitalize at home.
Maternity benefits not offered.
Doctor consultations are not covered. Need to opt add-on for doctor consultations.
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Frequently Asked Questions
Does Super Top-up have waiting periods?
- 30-Day Waiting Period: Hospitalizations won’t be covered for the first 30 days of the policy unless it’s an accident.
- Specific Illness Waiting Period: There’s a 2-year waiting period for a list of diseases which is a mandate before you can start claiming.
- Pre-Existing Disease Waiting Period: There's a 3-year waiting period for any pre-existing disease you may have while buying the policy.
Does Super Top-up have room rent restrictions?
Does Super Top-up offer a restoration benefit?
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