The Tata AIG MediCare Plus (Super Top Up) Plan: Everything You Need to Know!
Updated On Apr 30, 2022
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MediCare Plus is a health insurance supplement that adds health benefits to your current policy. Super top-up plans are required since they provide coverage after the claims on your primary health insurance policy have been exhausted. However, this is not the only rationale; they are a brilliant notion. Each claim made against your main health insurance coverage must be more than your deductible. With Medicare Plus health insurance coverage, you may employ group deductibles. This means that the total value of all claims filed throughout the course of a coverage year must exceed the deductible amount. Basic healthcare plans, on the other hand, impose a deductible on each claim.
Why Should You Invest in TATA AIG's Super Top-Up Health Insurance Plan?
The Tata AIG Super Top Up Health Insurance Plan is a low-cost health insurance plan that complements your current health insurance plan's coverage. This plan can also be used on its own to provide you with a variety of health advantages. You can get the following perks if you choose a Tata AIG super-top-up health insurance plan.
1. Broad Health Insurance Coverage
The Medicare Plus Plan provides comprehensive health insurance coverage for a variety of illnesses and medical problems. This plan protects you by bridging the gap between your usual health insurance and your medical bills.
2. The Possibility of a Bonus
Because our Super Top Up Health Insurance Plan is competitively priced, you may be able to receive a greater level of health insurance coverage at a reasonable cost. A super top-up health insurance plan is frequently less expensive than a standard health insurance plan.
3. Lifetime Renewals
You can continue to use your Medicare Plus Plan for the rest of your life. As long as you meet your premium payment responsibilities, your super top-up health insurance plan with us remains in force and available to you.
4. Claims with No Cash
The objective of the twenty-first century is to become cashless, and nowhere has this been more clear than in the prior twenty months. With the Tata AIG Super Top Up Health Insurance Plan, you may get cashless health insurance at any of our 7,200+ hospitals in India.
5. Consumable Benefits
Our coverage for hospital consumables is one example of how we take our promise of "Always Being With You" seriously at Tata AIG. Our Consumables Benefit covers consumables that are directly connected to your treatment, as long as the treatment is covered by your health insurance plan or super top-up plan.
6. Cumulative Bonus
We will raise the sum assured under your health insurance plan for each policy year in which you do not make a health insurance claim, without raising your health insurance premium. We increase your total covered by 50% for the first claim-free year, and the proportion of this cumulative bonus climbs with each successive claim-free year.
7. Tax Benefits
When you get health insurance, you are eligible for a number of tax benefits. Section 80D of the Income Tax Act of 1961 permits you to deduct up to $25,000 in health insurance premiums from your tax return. Senior citizens are eligible for a $50,000 deduction limit. You can take advantage of the larger tax deduction if you are a senior citizen paying health insurance premiums or a person under 60 years old paying health insurance premiums for a senior citizen, such as one or both of your parents.
Take Away
When you acquire a Tata AIG Super Top Up Health Insurance Plan, you receive a lot of coverage at a reasonable price, cashless health insurance, consumables bonuses, and an Optional Global Cover. Our Medicare Plus Plan is a stand-alone health insurance policy that may be combined with an existing mediclaim policy. You may now go over our health insurance alternatives and obtain medical coverage.
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