Tata AIG Health Insurance Top-up & Super Top-up Plans

A Super Top-Up Plan works as a supplement to your primary health insurance policy. It increases the sum insured limit of your existing health policy so you can deal with an expensive medical emergency situation. So, if you want to buy a super top-up plan, you need to own a regular health plan.

For instance, suppose you have chosen Mediplus Super Top-up Plan and have selected the deductible Rs. 2 lakh. And you already have regular health insurance with the sum insured amount Rs. 5 lakh. Then, you can get the treatment of Rs. 7 lakh. However, you can only use the top-up scheme if the medical expense exceeds Rs. 5 lakh. A top plan is available with reasonable premium costs and flexible options.

TATA AIG MediPlus Top-Up

TATA AIG MediPlus is a super Top-Up plan designed to assist policyholders to enhance the sum insured limits of their existing health insurance plan. You can avail this top-up plan by utilizing your deductible feature in your current insurance policy.

MediPlus top-up plan brings a lot of features and benefits to the policyholders. Along with the exhaustive coverage benefits, the plan also offers varied sum insured options to choose from. The coverage under the plan includes:

• Zero co-payment
• Domiciliary treatment
• Ambulance coverage
• Sum insured Rs. 5 Lakh
• Inpatient hospitalisation
• Deductible amount Rs. 1 lakh to Rs. 5 lakh

Anyone between the age group of 18 years and 65 years can have this policy. Although, the minimum age to get covered under this is 91 days.

Waiting Period Under the Plan

The waiting period for pre-existing diseases under the plan is of 48 months and 24 months for specified illnesses.

Renewability of the Plan

The plan offers lifelong renewability option to policyholders.

Exclusions Under the Plan

MediPlus Top-up Policy does not cover the insured against the following healthcare expenses:

• Cosmetic surgeries
• Congenital diseases
• Non-allopathic treatments
• General dental treatments
• Injuries or illnesses due to war