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10,000+ Cashless Hospitals
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Covid-19 Cover
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96.70% Claim Settlement Ratio
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No Pre-Policy Medical Checkup

Super Top Up Health Insurance

Boost your existing health coverage with TATA AIG's MediCare Plus!

Our super top-up plan, MediCare Plus, is a pocket-friendly health companion you can always rely on. MediCare plus offers additional health benefits over and above your regular health insurance plan. Super top-up plans are crucial as they provide you with coverage after you’ve maxed out the claims against your regular health insurance policy. But that isn’t the only reason why they’re a good idea.

When you make claims against your base health insurance policy, each claim amount needs to be more than the deductible amount. With our MediCare Plus health insurance policy, you can benefit from aggregate deductibles. This means that the total amount of all the claims you make in a policy year should be more than the deductible amount. On the other hand, base health insurance policies have a deductible against every claim you make.


Should you opt for MediCare Plus as your super top-up health insurance plan, you can also enjoy these amazing benefits:


Health Cover

Our super top-up health insurance policy will help you take care of the cost of various healthcare treatments. Our plans come without sub-limits unless they’re explicitly mentioned in your health insurance policy documents.


Cashless Claims

TATA AIG has over 8,000 network hospitals, so you can enjoy cashless claims at most facilities.


Age No Bar

We offer life-long renewals with MediCare Plus! So, whether your 60, 70 or 80, you can continue to pay your premiums on time and enjoy additional health cover.


Consumables Benefit

Under the Consumables Benefit we’ll cover the cost of consumables that you need during your hospitalisation that are directly related to a covered treatment.


Cumulative Bonus

For every year that you go without a claim, we’ll provide you with a bonus by bumping up your sum insured the following year. We start with a 50% bonus and increase it each year, up to a maximum of 100% of the sum insured amount.


Tax Deductions

Under Section 80D of the Income Tax Act, 1961, you can claim deductions up to INR 75,000 for the premiums paid towards the upkeep of health insurance policies for yourself, your spouse, your children and your parents above the age of 60. To understand health insurance tax benefits, we've curated an indepth guide to help you save on taxes by the purchase of a health insurance plan. #Please note tax benefits are subject to change in Income Tax laws.


Optional Global Cover

If you’d ever like to seek treatment abroad, this optional cover is great for you. With this cover, we’ll help you take care of the cost of treatments abroad for a disease or illness that was diagnosed in India and for which you’ve specifically travelled for the purpose of treatment.

How Does Super Top Up Health Insurance Work?

We can truly understand the importance of having super top-up health insurance by looking at an example.

Let’s say Mr. Kumar has a base health insurance policy from his company that offers him a sum insured of INR 5 lakhs. He meets with a terrible accident and is admitted in the hospital for treatment. At the end of his hospitalization, the claim amount is a total of INR 7 lakhs. Mr. Kumar’s health insurance policy will pay the claim amount of INR 5 lakhs, but Mr. Kumar would have to pay the remaining amount of INR 2 lakhs. If Mr. Kumar has a super top-up health policy that offers cover for INR 10 lakhs, his super top-up policy will cover the balance amount of INR 2 lakhs.

You can also use super top-up health insurance plans in isolation. If we continue with the above example, let’s say Mr. Kumar paid the pending amount of INR 2 lakhs from his own pocket. For the rest of the year, he has a few other health issues and makes claims against his policy. Let’s see how this plan helps Mr. Kumar if we assume his top-up plan offers cover of INR 10 lakhs and has a deductible of INR 2 lakhs. The first claim he makes against the super top-up policy is for INR 4 lakhs. He pays the deductible of INR 2 lakhs and the policy covers the rest. The next time, he has to make a claim for INR 3 lakhs. This time, he doesn’t have to pay any deductible and the full amount is settled by the health insurance provider. Finally, Mr. Kumar makes another claim for INR 2 lakhs. Once again, he doesn’t have to pay any deductible and the full amount is provided by the insurance provider.

Why Should I Buy TATA AIG’s Super Top Up Health Insurance ?

Paying premiums for the upkeep of a single health insurance policy may seem like enough. Shelling out more money for additional cover under a super top-up plan may appear to be unnecessary. But, life is unpredictable and rising medical costs could end up costing us our savings. Here’s a look at some important reasons why you need to have super top-up health insurance:


Medical Inflation

Medical inflation is rising almost twice as fast as regular inflation. Basically, healthcare costs are growing at an alarming rate, making it difficult for many people to afford good healthcare. A super top-up plan will help alleviate the trouble of dealing with high medical costs.


Higher Cover

The main reason super top-ups plans are offered is to increase your health insurance cover. These plans allow you to enjoy higher sum insured amounts at fairly affordable rates.



Since super top-up plans work as additional cover to your existing health insurance policy, they’re quite affordable. This means you can get higher cover for pocket-friendly premium amounts. This is especially important if you’re purchasing the plan for your parents as premiums for senior citizens are often quite high.


Your Friend in Times of Need

After experiencing what the world looks like in a pandemic, we’re sure you want to do whatever you can to get the best healthcare you need in an emergency. With a super top-up health insurance plan, you don’t have to worry too much about the cost. You can get the care you need and leave the bills to us.


More Benefits

If you’re covered under a group health insurance policy, chances are you might not get cover for AYUSH treatments or other critical illnesses. With a super top-up plan, you can get the cover you want for a fraction of the cost.

Who Should Buy a Super Top-Up Health Insurance Plan?

Not sure whether a super top-up health insurance plan is the right choice for you? Here’s a look at the people who should definitely consider opting for a super top-up health insurance plan:

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The Corporate Policy Holder

If you’re covered under a group insurance policy, you may not have adequate cover. Sure, your regular policy will take care of the small stuff, but if anything bigger comes your way, you need a super top-up plan in your corner. The policy will boost your sum insured without burning a hole in your pocket.

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The Elderly

As you grow older, your health insurance premiums are likely to increase. If you’re purchasing health insurance for your parents for the first time, their premiums will be much higher than yours, even if you’re opting for the same sum insured. So, you can opt for a policy that offers lower cover and then increase their overall health cover with a super top-up plan instead. It’s lighter on your pocket and makes sure your parents have the kind of cover they need.

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The Limited Coverage Policy Holder

There are many people who purchase fairly basic health insurance policies since they’re affordable. These plans may cover only basic hospitalization expenses. If you’ve purchased such a plan but want better cover, you can opt for a super top-up instead of switching to a comprehensive health insurance policy. You’ll get similar benefits for a far more pocket-friendly price tag.

Advantages of TATA AIG MediCare Plus Health Insurance


Lower Premiums for Higher Cover

The most important benefit of a super top-up health insurance policy is that it provides higher cover at an affordable cost. You can quickly boost your existing sum insured and enjoy more benefits under these policies at a fraction of the cost of purchasing a new one!


Round the Clock Assistance

We’ve made it our mission to anticipate your every need. We put your priorities above ours, always, and work to exceed your every expectation. We offer 24x7 customer assistance, so even if you call us in the middle of the night with an emergency, we’ll be there for you!


Paperless Policies

We live in a digital and fast-paced world, so we understand the need to have all your documents on-the-go. As soon as your health insurance policy is issued, we’ll send you a soft copy. You can show the TPA the digital copy at the hospital and we’ll get your health insurance claims process started. You don’t have to carry around a paper or card to prove you’ve bought our health insurance policy!


A TATA Promise

Our health insurance policies come with the 150-year legacy and trust of TATA. As an insurance company, we’ve been keeping our promise of looking after you, your health and your finances for over 20 years! When we commit to something, we stick to it.


Safe and Secure

We value your privacy and data. Our website is a safe place for you to input your details and complete health insurance premium payments. We promise to keep your personal and payment data 100% secure at all times.


High Claim Settlement Ratio

Before you buy or renew your health insurance policy, we’re sure you’d like to know how likely you are to get your settlement if you raise a valid claim. Well, we’re proud of our stats. In FY23-24, we settled 96.70% of all health insurance claims that came our way.


We Have a Wide-Reaching Network

Cashless claims with TATA AIG’s super top-up health insurance policy is easy. We have tied up with over 10,000 hospitals across India, so no matter where you are, you’ll have a network hospital close by. In the unlikely possibility that you’re unable to get to one of our network hospitals, you don’t need to break a sweat. You can go across to any trusted healthcare facility and get the treatment you need. We’ll work on getting you a reimbursement claim against your health insurance policy instead. Either way, you will be taken care of.

What Our Customers Are Saying

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Average Rating 4.6/5 (Based On 205 Ratings)
Anil Dafale

Very good. keep growing .Best of luck tata group and company's.

Divya Pathak

Very Good , Hassle free web page.

Manjula Sriram

This website is amazing. Neat and clutter free...What a delightful user experience...loved it...Kudos to the Tata AIG team and the website developer too!

vanraj Dubey

Their customer service executives really helped me with the requirements for claim filing and were very patient with me.

Allur Midhunkumarsingh

Very nice, big 👌 thumps up to entire who ever involved to build this platform.

Muralianand SV

Very easy

Bhavesh H Parekh

Thank you TATA AIG. this process is very easy. we don't need any agent for this. this is Time Saving for us.

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Discount Metrics

More Members + Long Tenure = Greater Discount
Policy Types
Family Floater
Policy Tenure

How Can I Make a Health Insurance Claim?

If you’ve received treatment at a network hospital
In case you have to visit the hospital for emergency treatment
If you’re unable to make it to a network hospital
If you’ve received treatment at a network hospital, you can enjoy quick and easy cashless claims by following these steps for non-emergency hospitalisations:
  1. Send us the cashless claim form via email or letter at least 48 hours before you’re scheduled to be at the hospital for your treatment.
  2. Once we receive the form and verify the details, we’ll inform the hospital and send you a confirmation letter.
  3. Submit your health card and the confirmation letter to the hospital when you arrive for your treatment.
  4. Focus on getting better and let us take care of the payment.

How Can I Make a Health Insurance Claim?

If you’ve received treatment at a network hospital

  1. Send us the cashless claim form via email or letter at least 48 hours before you’re scheduled to be at the hospital for your treatment.
  2. Once we receive the form and verify the details, we’ll inform the hospital and send you a confirmation letter.
  3. Submit your health card and the confirmation letter to the hospital when you arrive for your treatment.
  4. Focus on getting better and let us take care of the payment.

In case you have to visit the hospital for emergency treatment

  1. Inform the hospital or call us on our toll-free number 1 800 266 7780 to let us know you need emergency treatment at a network hospital.
  2. Give us and the hospital TPA your policy number.
  3. We’ll work on getting your claim worked out ASAP.

If you’re unable to make it to a network hospital

  1. Pay your medical bills before leaving the hospital. Verify all the details before signing the bill.
  2. Have a look at your policy documents and make sure the treatments you’ve received are covered.
  3. Send us the claim form along with all your documents, including your medical papers, health card and the final bill. You can file the claim online on or website or call us on 1 800 266 7780.
  4. We’ll reimburse the money to your account after verifying the claim.

Frequently Asked Questions

Policy Related

Service Related

Why do I need super top-up health insurance?

Super top-up health insurance plans will provide you with additional financial stability and relief – over and above what your regular health insurance policy provides, allowing you to deal with any medical emergency that comes your way.

Is there any way to get a discount on my premium?

Absolutely! If you’d like to get the same cover at a lower cost, you should explore switching from an individual policy to a family floater. Or, if you’d still like to purchase an individual policy, check if you can get a longer tenure. Single-year health insurance policies cost slightly more than 2- or 3-year policies. Finally, if you do not make any claims against your medical insurance plan for a whole year, you can enjoy a cumulative bonus the following year. Essentially, you’ll get a higher cover without having to pay a higher premium!

Is the health insurance policy valid across the country?

Yes! You can enjoy the same cover no matter where you are in India. We’ve tied up with over 8,000+ hospitals across the country, so you can enjoy cashless claims even when you’re out of town.

Will I be covered outside the country?

Our regular TATA AIG health insurance plan doesn’t offer cover outside India. However, we do have an optional Global Cover rider that you can add to your policy. This will cover you for treatments outside India as well.

Can I cover my family under a single policy?

If you’d like to cover multiple people under a single policy, you can opt for our family health insurance option.

What is a pre-existing illness?

A pre-existing illness or disease refers to any illness, health condition, injury or related issue for which you have been diagnosed or experienced symptoms and medical advice for before purchasing our health insurance policy.

Are pre-existing illnesses covered under my TATA AIG health insurance policy?

We do cover pre-existing illnesses, but only after the waiting period. You can check your health insurance policy documents for the exact duration of the waiting period depending on the medical insurance policy you have purchased.

Does TATA AIG offer 24x7customer support?

Yes, at TATA AIG, we’re committed to looking after you and your needs. Our health insurance customer service executives are available round the clock. To get in touch, you can call 1 800 266 7780.

Can I make a claim if I am hospitalized for less than 24 hours?

Many treatments today can be completed within just a few hours. Our health insurance plans cover 541 daycare procedures. This means that you can make claims against covered daycare procedures even if you do not have to be hospitalized for more than 24 hours.

Does TATA AIG offer cashless claims?

We have tied up with over 7,200 network hospitals across India. When you get a covered treatment at a network hospital, you can enjoy going completely cashless!

What documents do I need to provide while making a health insurance claim?

If you’re making a cashless claim, we don’t need too many documents. But, for reimbursement claims, we would require all your medical invoices along with the claim form.

Did Not Find What You Were Looking For?

Understanding Health Insurance Terms

  • Co-Pay If you’d like to lower your health insurance premium, you can opt for co-payment. You can promise to pay a certain percentage of each claim you make against your medical insurance policy, and your insurance provider will take care of the rest. If you’d like your insurance provider to settle the full claim, you can opt-out of co-payment.
  • Deductible This is a fixed amount that the insured individual has to pay towards their medical treatments before they can file a claim with their insurance provider. The deductible is a fixed amount and not a percentage of the total claim amount. Let’s assume that your deductible is INR 5,000. In a policy year, you undergo treatment worth INR 50,000. You have to pay INR 5,000 before you can make a claim for the balance amount of INR 45,000.
  • Pre-Existing Disease If the individual purchasing insurance already suffers from any disease, it is called a pre-existing diseases. The individual can purchase their medical insurance policy, but the pre-existing disease will only be covered after a given waiting period.
  • Sum Insured Your sum insured refers to the maximum amount that your insurance provider will pay in a given policy year. It basically reflects the total value of your policy. You can choose your sum insured when you purchase your health insurance policy. But, you should remember that the amount you choose will directly impact your premium.
  • Waiting Period The waiting period is a specific amount of time during which insured individuals cannot make certain claims against their health insurance policies. There are different waiting periods defined for different issues. The first is the initial waiting period. This is the time you must wait before making a non-accidental claim after purchasing the health insurance policy. The second is a waiting period for pre-existing illnesses. This can range from anywhere between 2 to 5 years. The third waiting period is for specific illnesses. Some health issues such as hernia or ENT disorders will only be covered after a few years of cover. Generally, the waiting period for these issues is 2 years. The final waiting period is for maternity cover. Most health insurance policies will cover maternity expenses only after a few years.