The Tata AIG MediCare Plus (Super Top Up) Plan: Everything You Need to Know
Updated On Mar 20, 2022
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At Tata AIG, our online health insurance premium calculator allows you to compare health insurance products and estimate their costs. You can save time and effort by purchasing medical insurance online, as well as benefit from a quick and painless transaction. However, given the unpredictability and severity of most medical emergencies, your health insurance coverage may not be adequate. A top-up health insurance coverage can help in this situation.
Top-Up Health Insurance
A Top-Up Health Insurance Plan is a type of insurance that adds medical coverage to your normal health insurance plan or a group mediclaim policy. As a result, having such a plan increases your financial security in the face of various health-related issues. A health insurance top-up plan functions similarly to a standard health insurance plan, but with a smaller premium burden, making it more affordable. A top-up health insurance plan should not be confused with a health insurance rider for a specific sickness, such as a critical illness or personal accident. A health insurance rider is only available as an add-on to your basic health insurance plan, whereas a top-up health insurance policy is available as a stand-alone policy. As a result, a top-up plan can be utilized as both a standalone mediclaim health insurance policy and a supplement to your regular health insurance policy.
Super Top-Up Health Insurance Plan
A Super Top-up Health Insurance Plan is based on the concept of aggregating claims and allows you to submit multiple claims. After deducting your health insurance deductible, the first claim under your super top-up plan will be settled. The Tata AIG Super Top Up Health Insurance Plan has a deductible that is aggregated. As a result, each health insurance claim does not need you to meet your deductible. Instead, the total cost of all claims made during an insurance year should exceed this deductible. This gives you more options when it comes to using your super top-up health insurance plan's advantages.
Reasons To Opt For TATA AIGs Super Top-Up Health Insurance Plan
The Tata AIG Super Top Up Health Insurance Plan is a cost-effective health insurance plan that provides coverage in addition to that provided by your primary health insurance plan. This plan can also be used on its own to provide you with a variety of health advantages. You can take use of the following features if you choose a Tata AIG super-top up health insurance plan.
1. High Health Insurance Coverage
MediCare Plus Plan provides comprehensive health insurance coverage for a variety of illnesses and medical situations. This plan protects you by assisting you in bridging the gap between your usual health insurance plan and your medical expenditures.
2. Feasible Premium
Because the cost for our Super Top Up Health Insurance Plan is affordable, you can get a better level of health insurance coverage at a reasonable price. Purchasing a super top-up health insurance plan is usually less expensive than purchasing a standard health insurance plan.
3. Lifelong Renewals
MediCare Plus Plan allows you to renew your coverage for the rest of your life. Your super top-up health insurance plan with us remains intact and at your service as long as you continue to meet your premium payment commitments.
4. Cashless Claims
In the 21st century, becoming cashless is the name of the game, and nowhere has this been more clear than in the previous twenty months. With the Tata AIG Super Top Up Health Insurance Plan, you can get cashless health insurance at any of our 7,200+ hospitals across India.
5. Consumable Benefits
We take our promise of Always Being With You seriously at Tata AIG, and our coverage for consumables used during a hospital stay is one example. Our Consumables Benefit pays for consumables that are directly relevant to your treatment, as long as the treatment is covered by your health insurance plan or super top-up plan.
6. Cumulative Bonus
We reward you with an increase in the sum assured under your health insurance plan for each policy year without a health insurance claim, without any increase in your health insurance premium. We raise your sum insured by 50% for the first claim-free year, and the percentage of this cumulative bonus increases with each successive claim-free year.
7. Tax Benefits
When you get health insurance, you are entitled for several tax benefits. You can claim a tax deduction of up to 25,000 on your health insurance premiums under Section 80D of the Income Tax Act of 1961. Senior citizens get a higher deduction limit of 50,000. You can take advantage of the larger tax deduction if you are a senior citizen paying health insurance premiums or if you are a person under 60 years old paying health insurance payments for a senior citizen, such as one or both of your parents.
Take Away
You get a lot of benefits when you acquire a Tata AIG Super Top Up Health Insurance Plan, including a lot of coverage at a reasonable price, cashless health insurance, consumables perks, and an Optional Global Cover. Our MediCare Plus Plan is a standalone health insurance plan that can also be used as a supplement to an existing mediclaim policy. You can look over our health insurance plans and purchase medical insurance right now.
Also Read: Period Of Survival In Health Insurance
Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.
