TATA AIG- Medicare Plus Super Top Up
Why Super top-up?
If your health insurance sum insured is not enough to meet the rising medical expenses then a super top-up plan is a cost effective option to ensure that you are insured for any medical uncertainties in life.
What is Deductible ?
Super Top-up works for any number of claims in a policy year. It kicks in once the threshold deductible is reached.
Product Highlights
Limit of Coverage
Sum insured options up to One Crore
Consumption Benefits
(Non-medical items)Expenses directly related to medical or surgical treatment during Hospitalization is covered.
Annual Check-up
Annual health check-ups for you and your family up to 1% to a maximum of Rs 10,000 per policy
Cashless Claims
Wide network access with 4000+ hospitals
Global Cover
If you are diagnosed with a disease, ailment or condition in India but opt for medical treatment and healthcare services in another country, these Zero Copay Covers 100% of the eligible expenses costs will be covered by he global cover.
Room rent restriction
Single private A/C room for non-ICU. No limit on ICU
Covers critical illnesses
Tackles life-threatening diseases
Cumulative bonus- First in industry
50% increase in cumulative bonus for each claim free year
Family Floater/ Individual
Options to take individual or family cover
Tax Benefits
Tax benefit under Section 80D
Zero Copay
Covers 100% of the eligible expenses
Calculate Premium
Key Features
In- Patient benefits- Covers expenses for hospitalization due to disease/illness or injury during the policy period that requires an insured person’s admission in a hospital as an in-patient. Medical expenses directly related to the hospitalization would payable.
Pre hospitalisation- Expenses up to 60 days of pre hospitalization.
Post hospitalisation- Expenses up to 90 days of post hospitalization.
Ambulance charges- Upto Rs 3000/- per hospitalization.
Organ Donor- Covers organ donor fees, which can be a lifesaver when faced with the massive costs associated with a serious illness.
Day care procedures Daycare treatment expenses during the treatment that do not require a 24-hour of hospital stay shall be covered Pre- hospitalisation.
Road Ambulance charges- It is one of the most basic facilities that are required during a medical emergency. The cost of the same is subject to Rs.3000/- per hospitalization.
In- Patient treatment- Dental- Covers for medical expenses incurred towards hospitalization for dental treatment under anesthesia necessitated due to an accident/injury/illness.
AYUSH benefit- Treatment expenses incurred under Ayurveda, Unani, Sidha, or Homeopathy are covered, provided they are conducted in a government recognized hospital or center.
Domiciliary Treatment- Home-based treatment in which a person suffering from a disease, illness or injury receives hospital-like treatment at home, provided if the treatment exceeds three days.
Second Opinion- A second opinion can be availed of from the medical network providers in case a critical illness or disease is diagnosed.
Portability- Easy to switch over the existing top up insurance from any insurance company with the continuity of benefits.
Enhancement or Change in Sum Insured / Deductible- Sum Insured and/or Deductible can be changed only at the time of renewal subject to underwriting guidelines of the company.