Manipal Cigna

Manipal Cigna

Super Top-up

Manipal Cigna Super Top Up plan is a pretty decent plan with very few restrictions. And while it does not offer a disproportionately large cover (as the plan comes with a maximum cap of 30 lakhs), it still offers you a bonus of 5% each year and you could take your sum insured to about 45 lakhs if you wait long enough.

What's good here?

co_pay

You’ll never have to split the bill

The insurer will bear the entire cost of treatment (up to the sum insured). You won’t have to pay a single penny. Meaning this policy has no co-payment.

Learn More
room_rent

You can pick any room you like

Shared room, single room, deluxe room or any room that’s available. The insurer won’t nitpick on your choice of room since the policy has no restrictions on room rent.

Learn More
pre_post

Pre & post hospitalization expenses covered

No worries if the doctor had to run a host of diagnostic tests before or after hospitalizing you. The insurer has your back. They will cover this amount in full for a pretty reasonable duration - 60 days before you are hospitalized and 90 days after discharge. This includes the cost of medication by the way.

Learn More
ayush

Some Cover for Alternative Medicine

Think of getting Ayurvedic, Homeopathic or other alternative treatments to cure an illness? Your insurer will pay up to 100% of the cover in case you’re availing these treatments.

Learn More
disease_sublimit

You always have full cover irrespective of the disease

No funny business here. If your insurer hasn’t explicitly stated they won’t cover a certain illness, you can claim the full amount up to the sum insured, irrespective of the disease you’re dealing with. Meaning this policy doesn't impose the dreaded disease wise sub-limits.

Learn More
day_care

Day Care treatments covered

If you’re hospitalized for less than 24 hours in lieu of a minor procedure, then the insurer will cover these costs too. Think dialysis, chemotherapy or minor surgeries.

Learn More

What's bad here?

ped

Long waiting period for pre-existing diseases

If you’re already dealing with diabetes, cardiovascular problems or any such illnesses, the insurer will cover all costs arising out of these pre-existing problems only after 4 long years. It could be much shorter you know? Like 2 years perhaps!

Learn More

What's lacking here?

restoration

No Restoration Benefit

Some policies will tell you - Even after you claim part of the cover on one occasion, you will have the full cover restored, if you are hospitalized another time during the same year. So if you have a family cover and multiple members of the family are hospitalized in the same year, this feature will come in handy. Unfortunately, this policy offers no such benefit.

Learn More
ncb

Underwhelming bonus feature

Your sum insured increases by 5% each year, so long as you make no claims during this period. But before you get too ahead of yourself, do note that they’ll stop offering you the bonus when your sum insured increases by 50%. And while this is a decent deal, most insurance companies offer a much higher bonus. But hey, it's still a bonus.

Learn More
health_checkup

Your insurer doesn’t provide free health check-ups

If you want to get a full-body checkup just to make sure you’re in fine working condition, be ready to pay for it yourself.

Learn More
talk to us

Need a human touch?

Talk to us and we will navigate the complex world of insurance together. It's free and we will never spam you. Pinky Promise!!!

Related Policies

Manipal Cigna
Manipal Cigna

ProHealth Preferred

Manipal Cigna
Manipal Cigna

ProHealth Plus

Manipal Cigna
Manipal Cigna

ProHealth Accumulate

Ditto
finshots
A product by Finshots
support@joinditto.in | +91-8095656931

Finshots © 2021. All Rights Reserved.

Tacterial Consulting Private Limited

CIN: U74999GJ2018PTC103398

IRDAI Registered Corporate Agent (Composite) License No CA0738

valid till 9th December 2023

Disclaimer : The information contained in this website is presented purely for information purposes only provided as service to the internet community at large. It does not constitute insurance advice and we do not guarantee the accuracy, adequacy or the completeness of the information contained here.