Our Super Top Up plan is a cost-effective solution that provides an additional insurance coverage ranging from Rs. 3 lacs to Rs. 30 lacs, when your regular health plan falls short. All hospitalization expenses such as treatment costs, diagnostics, drugs, and accommodation charges are covered including pre and post hospitalization expenses for a specified number of days.

Our Super Top Up health insurance plan enhances total health coverage on cost-sharing basis. Under this, the policyholder gets the benefit of high deductible, wherein all the medical bills for the year are considered. In case, sum of all bills is above the threshold limit, one can claim for the amount above the threshold limit.

This plan provides affordable value for money health protection to consider, if one is covered under a regular health plan or a group health insurance plan.It comes with the unique feature wherein you can buy from us a separate health plan with Sum Insured upto the deductible limit after a certain period of time with guaranteed continuity on waiting period and no fresh risk assessment.

Sum Insured Options

Rs. 3 lacs, 6 lacs 

Rs. 4 lacs, 8 lacs

Rs. 5 lacs, 10 lacs, 15 lacs,

20 lacs

Rs. 10 lacs, 15 lacs, 20 lacs

Rs. 10 lacs, 20 lacs, 30 lacs                

Deductible Options

Rs. 3 lacs, 3.5 lacs 

Rs. 4 lacs, 4.5 lacs

Rs. 5 lacs, 5.5 lacs


Rs. 7.5 lacs

Rs. 10 lacs 

(Exclusive plan available for Employer Employee segment. Connect with 1800-102-4462 for more details.)

Policy Period

One can choose between 1 year, 2 years and 3 years term.

Premium payment frequency
Premium can be paid on Single, Yearly, Half Yearly, Quarterly and Monthly basis.
Premium payment frequency can only be selected at the inception of the policy or at the renewal of the policy. 

A loading will be applied on the premium for Half Yearly, Quarterly and Monthly Payment mode.

Entry Age & Renewal
The minimum entry age is 91 days for children and 18 years for adults. There is no maximum entry age limit for adults. Children will be covered upto 23 years in a family floater policy.
For Critical Illness add-on, the minimum entry age is 18 years and maximum is 65 years. Coverage will not apply to persons between the age group of 18 to 23 years who are covered as "Child". The plan provides lifetime renewal opportunity.

Relationships Covered
Individual plan can be bought for self, lawfully wedded spouse, children, parents, siblings, parent in laws, grandparents and grandchildren, son in-law and daughter in-law, uncle, aunty, nephew & niece.

A floater plan can cover self, lawfully wedded spouse, dependent children up to the age of 23 years or dependant parents. A floater cover can cover a maximum of 2 adults and 3 dependent children under a single policy.

Pre-existing Diseases Waiting Period
Pre-existing diseases will be covered after 48 months of continuous coverage under this plan.


Free Look Period
We know your need to try something before you trust it. A period of 15 days from the receipt of the policy document is available to review the terms and conditions of this policy and a period of 30 days in case of electronic policies obtained through distance mode, to review the terms and conditions of the policy and to return the same if not acceptable. You can choose to cancel the policy by stating the reason for cancellation. If there are no claims in the policy, we will refund the premium paid.

Grace Period
There is a grace period of 30 days for renewal of a quarterly, half yearly, annual and single premium policy from the date of expiry.

Revival Period
There is a grace period of 15 days for renewal of a monthly premium policy from the date of expiry.

You can port your existing health insurance policy to the ManipalCigna Super Top Up policy, provided you are covered under an Indian Health Retail policy from a non- life insurance company.

You can place a request for cancellation any time during the term of the policy; premium refund will be on short period basis.

Alignment of Policy
You will have an option to align the date of renewal of Super Top up policy with your existing Indemnity Health Insurance policy with Us or any other insurer in India. The option will be available in the first policy year only. Cancellation of the Super Top Up policy in order to align it with the base policy will be processed on request from the Policyholder and irrespective of claim. Premium shall be refunded on pro-rata basis for the balance Policy Period. The policy, with aligned date, will be issued subject to payment of premium applicable for Age of Insured Person as on alignment effective date. Continuity with respect to Cumulative bonus and Waiting periods shall be passed on to the policy issued, post alignment.

First 30 days Waiting Period
A waiting period of 30 days from the Inception Date of the Policy will be applicable for all hospitalization claims except in case of accidents and policies accepted under portability norms.

First 90 days Waiting Period & survival period (applicable only to CI add-on)
From the policy inception date, there will be a waiting period of 90 days before the symptoms of any critical illness first occur for you to be able to make a claim. A 30 days survival period will also apply.

2 Years Waiting Period
Two Years Waiting Period will be applicable for specific illnesses.

Key Exclusions

We will not pay any claims arising out of or attributable to any of the following:

  • Any illness resulting from the Insured committing any breach of law.

  • Contamination from Nuclear fuel or radiation

  • Foreign invasion or civil war

  • Suicide or drug abuse

The above list is only indicative and not exhaustive. Please refer to the policy terms and conditions (available in Downloads section) for complete details.


Stay on top of your health and wellness goals

Contact Us
Callers from India

Toll-free number


Callers outside India

+91 22 4985 4100

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

For any queries email us at
and for any policy alterations email us at
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 “

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