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