Useful Information

ManipalCigna

TPA Information

Super Top Up Individual

Synopsis:

This is an annual aggregate deductible policy.

Highlight:

  • Additional coverage upto Rs. 30 lacs at an aordable premium
  • Choice of any hospital room
  • Covers both Allopathic and AYUSH in-patient treatments upto Sum Insured
  • Inflation protection Guaranteed Cumulative Bonus
  • Guaranteed continuity benefit on deductible on buying a separate

Benefit:

Title
Description
Room Rent Limit
There is no room rent capping, any category of hospital room can be opted upto the policy Sum Insured.
ICU Daily Rent Limit
No Capping
Pre-Hospitalization Expenses
60 days
Post Hospitalization Expenses
90 days
Minimum Hospitalization Period
24 hours
Day Care Procedure Coverage
Covered upto Sum Insured
Additional Cover for Critical Illness
Add On Pays an additional lumpsum amount upto 100% of Base SI opted.
Pre-Existing Disease / Illness coverage
After 48 months of continuous coverage
Waiting Period for New Policy
30 days
Medical Screening
Required if insured's age is more than 65 years
Free Health Checkup
Actual incurred expenses paid per hospitalisation event
Ambulance Expenses
Not covered
Donor Expenses
In-patient hospitalisation Medical Expenses towards the donor for harvesting the organ in case of major organ transplant is covered
No Claim Bonus
A guaranteed 5% Increase in Sum Insured per policy year, maximum up to 50% of Sum Insured.