ManipalCigna Super Top up

Frequently asked questions

What is a Super Top Up Policy?


Super Top up is a back up to existing medical insurance (personal health insurance or health insurance provided by employer or other group). A regular health insurance policy has a Sum Insured limit, beyond which it does not cover any medical expenses. This is when a Super top-up policy is useful, it becomes effective soon after the Sum Insured from an existing health plan is exhausted or insufficient to settle claim




What are the advantages/benefits of a Super Top Up Policy?


Super Top Up health insurance policy is an added health protection for medical expenses exceeding the deductible limit opted under the policy.




What is the difference between a regular Top up plan and a Super top up plan?


Top-up health insurance plans cover policies that offer an additional coverage, beyond the threshold limit of the existing health insurance policy. (that is, each claim to surpass the threshold limit for any amount to be paid from the Top up policy) .............................................................................................................................................. Super top-up plans are similar to top-up plans, except that top-up plan covers a single claim above the threshold limit, while Super top-up plan covers the total of all hospitalization bills above the threshold limit. In other words, under Top Up Policies deductible amount selected is reduced from every claim however under Super Top Up, claim becomes payable when the total of all the claims together exceeds the deductible limit within a policy year.




How important is choosing a right deductible in a health plan?


It is very important. Deductible can make or break the efficacy of your health
insurance plan. It is the amount that you have to pay for – either out-of-pocket or
from your basic health insurance policy – before your health insurance top-up
kicks in.
Choosing a very high deductible (say, more than the base Policy sum insured)
means you will have to take care of the excess amount yourself. Always
calculate the amount of deductible by taking in your medical history and the kind of costs you anticipate in the next 5 years. If you are nearing 50 years, a super top-up will be more beneficial, since the risk of ailments is higher as you grow older.




Do I need to have a health insurance policy to opt for Super top up plan?


No, you need not. If you don't have a health plan, you can still purchase a Super
top-up plan. However, in this case you will end up paying the expenses out-of-
pocket until you exceed your deductible limit and the super top up sum insured
kicks in. Hence, it is ideal to have a basic health insurance plan, however not mandatory.




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ManipalCigna Health Insurance Company Ltd (Formerly known as CignaTTK Health Insurance Company Limited) | CIN U66000MH2012PLC227948 | IRDAI Reg. No. 151 Reg. Office: 401/402, 4th Floor, Raheja Titanium, off. Western Express Highway, Goregaon (East), Mumbai- 400 063 | Toll free number – 1800-102-4462 | Website address – www.manipalcigna.com

Trade Name / Trade Logo belongs to MEMG International India Private Limited and Cigna Intellectual Property Inc. and is being used by ManipalCigna Health Insurance Company Limited under license. For more details on risk factors, terms and conditions, please read the sales brochure/ sales document available on our website (Download section) before concluding a sale.

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Contact Us
Callers from India

Toll-free number

1800-419-1159

Callers outside India

+91 22 4985 4100

(Call charges as per the caller's tariff plan will apply)

Email
For any queries email us at
customercare@manipalcigna.com
and for any policy alterations email us at
mychangerequest@manipalcigna.com
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Registered office:
ManipalCigna Health Insurance Company Limited,
401/402,Raheja Titanium,
Western Express Highway,
Goregaon( East ), Mumbai – 400063.

ManipalCigna Health Insurance Company Limited. IRDAI Reg. No. : 151 dated 13th November 2013. CINU66000MH2012PLC227948. For more details on risk factors, terms and conditions, please read the sales brochure/sales documents available on our website (Download section) before concluding a sale

*Tax Treatment is subject to change in tax laws *Premium if mentioned in the advertisement is only indicative and is not flat across all age groups or health plan type Insurance is the subject matter of solicitation

i. “Insurance is the subject matter of solicitation“

ii. “** Tax Treatment is subject to change in tax laws # Premium if mentioned in the advertisement is only indicative and is not flat across all age groups or health plan type 1. 3.5L at Rs.23*/day has been calculated by taking Sum insured-3.5L, Protect Plan, Age-32years & 30 years,2 adults, Policy term-1 year, Zone-1 (Mumbai) Premium inclusive of all taxes. 2. 4.5L at Rs.500*/month(or Rs.16*/day) has been calculated by taking Sum insured-4.5L, Plus Plan,Age-26years,1 adult , Male, Policy term-1 year, Zone-3(Jaipur). Premium inclusive of taxes. ^ Awarded Best Health Insurance Company of the Year at the India Insurance Summit & Awards 2019 “

© 2019 ManipalCigna Health Insurance Company Limited. All rights reserved. Trade Logo belongs to M/s Cigna Intellectual Property Inc. and T T Krishnamachari & Co and used by ManipalCigna Health Insurance company Limited.