As part of your corporate health insurance program, you are eligible to voluntarily upgrade your existing health cover at own cost and increase sum insured by Rs. 30 lacs.   When you choose to upgrade, you get an additional sum insured of Rs. 30 lacs (with deductible amount linked to corporate base plan) by way of personal super top-up from Manipal Cigna Health Insurance Company Ltd. This will prove to be a back-up cover in case of high-cost treatments such as cancer, heart/lung surgeries, kidney transplant, liver cirrhosis, COVID-19 etc. which can take one by surprise. There will be a waiting period of 2 years on pre-existing diseases and specific diseases.