Tata AIG Health Insurance Top Up Plan

Tata AIG MediCare Plus is a top-up health insurance plan that has been designed to help policyholders boost their basic medical insurance coverage. Tata AIG health top-up plan works as a saviour in times of a medical emergency where the basic sum insured is utilized completely.

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Tata AIG Top Up Plan

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    It helps in meeting any additional expenses that are incurred during the treatment (including COVID-19) by the policyholder or the insured family members. TATA AIG health top-up policy is affordable and comes with multiple sum insured options up to Rs 100 lakh i.e. Rs 1 Crore. The insured can avail of cashless hospitalization services in more than 6200 network hospitals across India.

    Eligibility Criteria



    Sum Insured

    Rs 3 lakh- Rs 100 lakh


    Rs 2 lakh- Rs 20 lakh

    Minimum Entry Age

    91 days

    Maximum Entry Age

    65 years


    Life long

    Waiting Period for pre-existing disease

    36 months

    Key Features of Tata AIG MediCare Plus Top-up Plan

    Some of the key features of the TATA AIG top-up health insurance plan are given below:

    • Higher sum insured options up to Rs 1 Crore
    • Tata AIG Medicare plus top-up plan can cover up to 7 family members, including policyholders, spouses, three children, and parents
    • Covid-19 (Coronavirus) hospitalization coverage is offered as well
    • Optional Global cover
    • Expenses of consumables used under medical or surgical treatment
    • The insurer is known to settle almost all claim requests and has a claim settlement ratio of 96%
    • Tax benefit as per under Section 80D of Income Tax Act for the premium paid

    Inclusions of TATA AIG Top Up Health Insurance Plan

    TATA AIG Medicare Plus Top-up health insurance plan covers the following expenses:

    • The plan covers organ transplant expenses for both parties- the person whose organ is harvested and the person who will receive it
    • Pre and post hospitalization of 60 days and 90 days, respectively
    • Domiciliary treatment is covered as well
    • Compassionate travel expense in case the policyholder is hospitalized for more than five days continuously. The travel expense includes economy class air tickets or first-class railway tickets.
    • Vaccinations cover for rabies and typhoid and for HPV and Hepatitis B (after completing two years of coverage)
    • The cost of hearing aids is covered from every third year
    • AYUSH treatment, bariatric surgery expenses are claimable

    Policyholders can check out Tata AIG Health top up plan brochure for more coverage benefits. The same contains the premium chart as per your age, sum insured, and deductibles.

    Exclusions of TATA AIG Top Up Health Insurance Plan

    TATA AIG health top up policy doesn’t cover the following expenses:

    • Treatment related to alcohol, drug, or other addictive substances
    • Weight loss surgery (unless it falls into certain criteria as mentioned in policy documents)
    • Congenital external diseases or defects
    • Expenses for growth hormone therapy
    • Cost incurred on the treatment of sleep apnoea
    • Expenses for sterility or fertility
    • Lasik treatment for eyesight is correctfor less than 7.5 dioptres.
    • Expenses for health hydros, nature cure clinic, spas, or any other related service
    • Diseases that are mentioned as a permanent exclusion in policy documents
    • Injury due to war or any war-like situations

    * Refer to the Tata AIG Health Top-up Plan Brochure to check the complete list of exclusions.

    If you are planning to buy this Tata AIG top-up health plan you can write to us at care@policybazaar.com or call us at 1800-708-8787. 


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