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What Is Special About Super Top Up Plus Policy?

The plan provides necessary financial protection from Hospitalization, Day care treatment to Donor expenses. You can save on premium with Deductible option to top-up existing cover in addition to multiple discount options. You are also eligible for tax benefit on your health insurance premium. Enjoy Extra Coverage for hardly Anything Extra.
  • In this policy Any Hospital room treatment is allowed up to full SI.
  • This policy will Non Medical expenses as per actuals.
  • Get Guaranteed Bonus of 5% on SI Every year, irrespective of claim max upto 50%
  • This policy gives option to take continuity benefit on your deductible after completing 5 policy year.

Features of Manipal Cigna Super Top Up Plus Health Insurance Policy

Check the features and coverage of Manipal Cigna Super Top Up Plus Health Insurance plan below:

Ambulance Charges

as per Actual expenes

Ayush Treatment

Covered Up to Sum Inured


No co-pay

No Claim Bonus

Guaranteed Bonus of 5% on SI Every year, irrespective of claim max upto 50%

Organ Donor Expenses

Covered Upto Sum Inured

Post-hospitalization Expenses

Expenses for 90 days covered

Manipal Cigna Super Top Up Plus Plan Resources

Policy Brochure

Policy Wordings

Exclusions of Manipal Cigna Super Top Up Plus Health Insurance Policy

Manipal Cigna Super Top Up Plus plan does not cover the following:

Cover restoration

Daily cash allowance

Day care procedures

Treatment at home

Free health check-up

Maternity expenses

Other Plans From Manipal Cigna

Manipal Cigna health insurance offers 9 health insurance plans. The premium of these plans starts from Rs. 8182/yr. The sum insured ranges from Rs. 3 Lakh - 3 Cr. Details of the comprehensive coverage provided by the following 9 Manipal Cigna health insurance plans are listed below:

Calculate Super Top Up Plus Plan Premium

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Manipal Cigna Claim Settlement Ratio


Manipal Cigna


Industry Average

Health claim settlement ratio is the percentage of claims settled against the total claims received by the insurance company in a given fiscal year. Manipal Cigna has a claim settlement ratio of 99%, as compared to the industry average of 94.21%.

Manipal Cigna Claim Process

Manipal Cigna supports both cashless claims and reimbursement claims. This section covers the information on how to check Manipal Cigna health insurance claim status, fill Manipal Cigna health insurance claim form, and the claim settlement process.

  1. If you are getting hospitalised in a networked hospital, it would be a cashless claim. You should inform the insurance company immediately of your claim
  2. Fill up a pre-authorization form stating the claim details and submit the form to the insurance company
  3. If it is a planned hospitalisation, the form should be filled in and submitted at least 3 to 5 days before being hospitalised. If, on the other hand if the hospitalisation is due to an emergency, fill up the form and submit it within 24 hours of hospitalisation
  4. The insurance company would verify the pre-authorization form and approve the claim
  5. Once the claim is approved you can avail cashless treatments. The medical bills would be settled by the insurance company directly with the hospital
  6. A Manipal Cigna Health Insurance claim form should be filled and submitted with the insurance company along with all the medical documents to complete the claim process

  • If you are being hospitalised in a non-networked hospital, your claim would be settled on a reimbursement basis
  • You should inform Manipal Cigna of the claim and then avail treatments
  • Pay for the medical expenses incurred on your treatments
  • After being discharged from the hospital, collect the Discharge Summary
  • Fill up the claim form of Manipal Cigna Health Insurance and submit it along with all the original medical bills and reports. The Discharge Summary should also be submitted to the insurance company
  • Manipal Cigna would assess the documents submitted, verify the authenticity of the claim and then reimburse the expenses incurred on hospitalisation

Manipal Cigna Health Insurance Renewal Process

ManipalCigna Health Insurance Policy Online Renewal Process

Renew your Manipal Cigna health policy with ease by following these steps
Step 1: Go to the official ManipalCigna Health Insurance website. Click on the 'Renewal' option and choose Retail Customer.
Step 2: Provide necessary information like your policy number and date of birth and then click 'Proceed.' You can find your policy number in the email & text messages sent to you on your register email & mobile number
Step 3: Carefully review policy details and make online payment using the available flexible payment methods
Step 4: An email confirming the premium payment and policy renewal will be sent to you

Please note that the company offers hassle free renewal of your policy even if your policy has crossed the renewal date, up to 30 days

Renewing Your ManipalCigna Health Insurance Policy Offline

For offline policy renewal with ManipalCigna Health Insurance, you have two options

  • Contact ManipalCigna Health Insurance experts via the toll-free number 1800-102-4462 to share your renewal requirements
  • Visit a nearby ManipalCigna Health Insurance branch to complete the renewal process in person

Manipal Cigna Customer Care

Customer Care Number

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