Manipal Cigna Super Top Up

At a Glance

Manipal Cigna Super Top Up health insurance policy is a Super Top Up policy that covers you over and above your existing primary health insurance policy. A regular health insurance policy comes with a Sum Insured limit. Your primary policy does not cover any medical expenses incurred beyond that limit. This is where a Super Top Up policy comes into the picture. A Super Top Up policy comes to effect soon after the Sum Insured from your existing health policy is exhausted or left insufficient to settle the claim

Key Features:

  • Cashless treatment at 7500+ hospitals
  • Option to choose any room category
  • All Day Care treatments covered

Key Benefits:

  • Inpatient Hospitalisation: Covered up to any Room Category. Covers hospital expenses for admission longer than 24 hours.
  • Pre – hospitalisation: Medical expenses covered up to 60 days before date of hospitalisation.
  • Post – hospitalisation: Medical expenses covered up to 90 days post discharge from hospital.
  • Provides coverage up to full Sum Insured.
  • Covered up to the limit of Sum Insured opted.
  • Provides for actual expense incurred towards non – medical items listed under policy wordings.
  • Provides for actual incurred expenses per hospitalization event.
  • Covers hospitalization expenses of the donor providing the organ.
  • Provides a guaranteed 5% increase in Sum Insured per policy year, maximum up to 50% of Sum Insured.


  • Min Entry Age: Child - 91 days, Adult - 18 years
  • Max Entry Age: Child – 23 Years (floater), Adult – No Limit
  • Policy Period-1, 2 and 3 years

(Discount of 7.5% for 2 years and 10 % for 3 years policy term with single premium payment mode)

The Premium charged on the Policy will depend on the Plan, Deductible, Sum Insured, Policy Tenure, Age, Policy Type, Gender, Optional Covers, Premium payment mode and Add on Benefits opted.  Additionally, the health status of the individual will also be considered.


DBS Bank India Limited (IRDA of India Registration Number: CA 0257) having the registered office at GF: Nos. 11 & 12, Capitol Point BKS Marg, Connaught Place, Delhi - 110001 is the Corporate Agent of Manipal Cigna Health Insurance Company Limited (IRDA of India Regn.No.151) CIN: U66000MH2012PLC227948 having the Registered office address at 401/ 402, 4th Floor, Raheja Titanium, Off Western Express Highway, Goregaon East, Mumbai – 400063. DBS Bank India Limited (Bank) does not underwrite the risk or act as an insurer. Manipal Cigna Super Top Up by Manipal Cigna with UIN: MCIHLIP23022V032223 is underwritten by Manipal Cigna Health Insurance Company Limited. The contract of insurance is between the insurer and the insured and not between the Bank and the insured. Bank does not give any warranty, as to the accuracy and completeness of the policies. Bank does not accept any liability or losses attributable to your contract of Insurance. Participation by the Bank’s customers in the insurance products is purely on a voluntary basis and is not linked to availment of any other facility from the bank. ISNP registration valid.

The contents and product information of this web site are given strictly for your convenience and is indicative in nature and ‘as is’ received from the Insurer. Nothing contained herein is to be construed as advice, recommendation, offer for a policy or any other assistance. Bank does not guarantee that this website reflects latest amendments/ information at all times or at any time. Bank shall have no liability to the customer for any loss or damage of any kind incurred for reliance on the content and product information available on this website.

For more details on risk factors, terms and conditions, exclusions, please read sales brochure of insurer and policy terms and conditions carefully before concluding a sale. Tax benefits are available as per the prevailing tax laws, which are subject to change.

Contact our 24-hour toll free customer service helpline number 1-800-209-4555 / 1-860-267-1234 or our overseas customer service number 91-44-66854555 or write to us at [email protected]. Visit us at:

UIN: MCIHLIP23022V032223