TATA AIG Top-up Plans
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  • Cashless treatment
TATA AIG Health Insurance

Network hospitals



Claim settlement ratio



Sum insured

Up to 50 Lakh


No. of Plans



Solvency Ratio



Pan India Presence


Customized Health Insurance Plan for you.

Get upto 15% Online Discount*

Select Members You Want To Insure

Age of Eldest Member


Network hospitals



Claim settlement ratio



Sum insured

Up to 50 Lakh


No. of Plans



Solvency Ratio



Pan India Presence


Tata AIG Health Insurance Top-up Plans

Super Top-Up and Top-Up plans are a good solution to aid medical emergencies as they provide individuals with coverage after they have maxed out the claims against their regular health insurance policy. When an individual requires some additional amount to treat a particular ailment and has exhausted their base health insurance, top-up health insurance plans are a good solution. Super top-up and Top-up plans act as a safety net in case the existing health insurance is not enough to meet the medical bills.

Tata AIG super top-up plan is an affordable top-up health insurance that is loaded with multiple features. The plan offers treatments in more than 7,200+ cashless network hospitals with cumulative bonus and tax benefits. Tata AIG super top-up health insurance plan also offers a unique consumables benefit wherein the cost of consumables is taken care of under the plan which is required directly for covered treatment. A global cover is also available under Tata AIG super top-up plan. Tata AIG top-up plan offers a wide range of sum insured options ranging from INR 3 Lac to INR 1 Cr with deductibles of INR 2/3/5/10/15 and 20 Lac. The policy period can be chosen by insurance holders for 1/2/3 years.

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Tata AIG Health Insurance

Tata AIG Health Insurance

Tata AIG Super Top-Up Plans

Tata AIG MediCare Plus

A top-up plan that comes with comprehensive coverage. This plan compensates the insured when the basic sum insured gets exhausted.

Unique Features

  • Cumulative Bonus up to 100%
  • Lifetime renewability
  • Optional Global Coverage

Tata AIG Super Top-Up Plan Eligibility Criteria

Child Entry Age

Minimum: 91 Days to 5 Years

Adult Entry Age

Maximum: 18 to 65 Years

Plan Type

Individual/Family Floater

Policy Term

1/2/3 Years

Sum Insured

3 L | 5 L | 10 L | 15 L | 20 L | 25 L | 50 L | 1 Cr

Initial Waiting Period*

30 Days*

Key Benefits of Tata AIG Super Top-Up Plan

Tata AIG Super top-up plans are tailor-made to provide its customers with efficient coverage and instant claim settlement service along with multiple other benefits.

  • Tax Benefits
    Tata AIG Top-Up Plan is eligible under Income Tax Act 1981. The plan premiums paid will be eligible for tax deductions. Insurance holders can claim deductions up to INR 75,000 for the premiums paid towards the upkeep of health insurance policies for themselves, their spouse, their children, and their parents above the age of 60.
  • Day-Care Treatments
    SBI top-up health insurance provides insurance holders coverage against 141 daycare procedures. The insurer will pay for daycare expenses requiring less than 24 hours of hospitalization up to the sum insured.
  • Global Cover
    The Tata AIG Top-Up Plan provides insurance holders with optional global cover. If a person wishes to seek treatment in another country, this optional coverage will assist them in doing so. The insured person can use the Tata AIG top-up plan to get treatment for diseases and illnesses that were diagnosed in India.
  • Life long Renewals
    Individuals do not have to worry about age restrictions with the Tata AIG top-up plan. The plan allows for lifetime renewal whether the individual is 50, 70, or 80 years old. Individuals who are insured can continue to pay their premiums and benefit from the coverage provided by the Tata AIG top-up plan.
  • Consumables Benefit
    Under Tata AIG top-up plan, consumables benefit offers to cover expenses related to consumables required for the covered treatment of an insured individual.
  • Cumulative Bonus Tata AIG top-up plan will provide insurance holders with a bonus by increasing the sum insured in the following year for every claim-free year. Tata AIG top-up plan begins with a 50% bonus and gradually increases to a maximum of 100% of the sum insured amount.

Tata AIG Top-Up Health Insurance Plan Inclusions

The various inclusions under Tata AIG Insurance Top-Up Plans are mentioned below

Global Cover (Optional)

Domiciliary Treatment

In-patient Dental Treatment

Organ donor expenses


Ambulance Cover

Second Opinion

Health Check-up

AYUSH Benefit

Inpatient hospitalization expenses

Pre- and post-hospitalization expenses

Day-care procedures

Pre-existing diseases after a specific waiting period

Tata AIG Top-Up Health Insurance Plan Exclusions

The various exclusions under the Tata AIG Insurance Top-Up plan are mentioned below

Infertility, congenital external

Any hospitalization primarily for investigation / diagnostic purpose

Alternative Treatments (Non Allopathic treatments)

pregnancy or childbirth

HIV infection / AIDS

cosmetic or sex-change treatment/surgery

alcohol consumption, smoking, another tobacco intake, or drug abuse

intentional self-injury, suicide, or attempted suicide

any breach of law or participation in an actual or attempted felony, riot, crime, misdemeanor, or civil commotion

war, terrorism, or nuclear weapons

Health Insurance Companies

Tata AIG Health Insurance Network Hospital List

Tata AIG Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, Tata AIG Health Insurance ensures that you are medically secured, irrespective of the city you reside in.

Explore other Tata AIG Health Insurance Plans

Tata AIG Health Insurance offers a wide range of health insurance plans to fulfill the medical needs of individuals, families, and senior citizens.

Critical Illness Plan

A unique policy that goes beyond health insurance by providing wellness programs. Provides services like consultation, discounts and newsletters on wellness.

Unique Benefits

  • Convalescence benefit
  • Critical illness benefit
  • Value added benefits

Critical Illness Policy

TATA AIG Critical Illness Policy is designed to offer coverage against a wide gamut of illnesses and medical emergencies.

Unique Benefits

  • Second opinion Benefit
  • Tax benefits
  • Option to add beneficiaries

Group Health Policy

Tata AIG Corporate Health Insurance

Tata AIG Corporate Health Insurance offers coverage to employees and offers coverage for hospitalization, disability, and deaths resulting from accidents.

Unique Benefits

  • 24*7 worldwide coverage
  • Daily Cash Benefits
  • SI based on Salary or Category

Comprehensive Plan

A health plan that supports you in times of medical emergencies. The plan comes in 3 types, Tata AIG MediCare, Tata AIG MediCare Protect, and Tata AIG MediCare Premier.

Unique Features

  • Global Coverage
  • 540+ Day care treatments
  • Compassionate Travel up to 20K

Medicare Health Insurance (Pros)

  • Qualified Nurse
  • Restore Benefit
  • Room Rent
  • Organ Donor
  • Domiciliary Treatment

Medicare Health Insurance (Cons)

  • Injury due to Suicide Attempt
  • Death due to Drugs
  • Injuries Due to Breach of Law
  • Injuries/Death due to Aviation
  • STDs

Medicare Health Insurance (Other Benefits)

  • AYUSH Benefit
  • Health Checkup
  • Bariatric Surgery Cover
  • Vaccination cover
  • 50%Cumulative Bonus

Medicare Health Insurance (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 3 L - 20 L
  • Waiting Period - 30 Days

Top-up Policy

An indemnity plan for individuals and families without any sub-limits, comes with lifelong renewal and aggregate deductibles.

Unique Features

  • Global Coverage
  • Cumulative Bonus
  • Tax Benefit

Tata AIG Medicare Plus (Pros)

  • In-patient Treatment
  • Long Term Discount
  • Family Discount
  • Day Care Procedures
  • Lifelong Renewal

Tata AIG Medicare Plus (Cons)

  • No Gender Change
  • Any Existing Disability
  • Injuries Due to Breach of Law
  • Injuries/Death due to Aviation
  • No Suicide Cover

Tata AIG Medicare Plus (Other Benefits)

  • Consumables Benefit
  • In-patient Dental Treatment
  • Ambulance Cover
  • AYUSH Benefit
  • Domiciliary Treatment

Tata AIG Medicare Plus (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 3 L - 1 Cr
  • Waiting Period - 30 Days

Standard plan

TATA AIG Arogya Sanjeevani Policy

A standard health plan designed to cover basic medical needs and keep you and your family protected in case of medical contingencies.

Unique Features

  • Cataract Treatment covered
  • AYUSH Coverage
  • Flexible Premium Payment

Arogya Sanjeevani Policy (Pros)

  • Robotic Surgeries
  • Oral chemotherapy
  • BronchialThermoplasty
  • Day Care Procedures Covered
  • Bronchial Thermoplasty

Arogya Sanjeevani Policy (Cons)

  • No Suicide Cover
  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Arogya Sanjeevani Policy (Other Benefits)

  • Intra Vitreal Injections
  • Road Ambulance Cover
  • Plastic Surgery
  • AYUSH treatment Cover
  • Cumulative Bonus

Arogya Sanjeevani Policy (Eligibility Criteria)

  • Entry Age - 3 Months
  • Max Entry Age - 65 Years
  • SI - 1 L to 5 L
  • Waiting Period - 30 Days

Health Insurance Articles

What is OPD Cover?

What is OPD Cover?March, 2022

Tata Aig Top-Up Plan: FAQs

1. What are the eligibility criteria for Tata AIG Top-up plan?

The eligibility criteria for Tata AIG top-up plan for adults are 18 years to 65 years. Dependent children can be covered from the age of 3 months till 5 years.

2. What are the sum insured options available under Tata AIG top-up plan?

The sum insured options available range from INR 3 lac to INR 1 crore.

3. Am I covered for domiciliary hospitalization under Tata AIG Top-up Plan?

Yes, domiciliary hospitalization is available under Tata AIG top-up plan.

4. Are insurance holders covered outside of India under Tata AIG top-up plan?

Yes, With the optional global coverage under Tata AIG top-up plan insurance holders can avail of treatment anywhere outside India.

5. What is the policy term for Tata AIG top-up plan?

Tata AIG top-up plan is applicable for 1/2/3 years. Insurance holders can select their preferred policy term.

What Our Customers Have to Say

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Manik Seth


May 26, 2022

As per my experience, TATA AIG is one of the best health companies to rely on. I am so glad that I choose this insurance company for protecting my healthcare needs.

Customer Review Image

Abhishek Dhawan


November 17, 2021

Good company with great health plans, amazing customer care team as they explained the plans very briefly and helped me to find the best suitable plan for myself.

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vaibhav devgan


October 12, 2021

Very fast claim settlement ratio. tata aig always stand with its customers and always support their customer

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October 7, 2021

TATA aig has been serving my requests for a long time...i m never disappointed...wheter its renewal, buying, claim you can trust them 100%

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Ravi Sharma


October 6, 2021

Plans of TATA has great features... and the customer support team is very polite and helpful, I really love this company. Thanks for everything

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Satendra Kumar


August 31, 2021

customer support is amazing! also, the kind of features with my tata health plan is what really got me to buy the plan from them

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Neena Koul


August 12, 2021

Last year, I took the health insurance plan from TATA AIG. I must say that the company offers very good plans and is very good at their customer service. Also, I wanna appreciate the team of P...

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Shreya Sharma


August 12, 2021

As per my experience, TATA AIG is one of the best health companies to rely on. I am so glad that I choose this insurance company for protecting my and my family s healthcare needs.

View All Tata Aig Health Insurance Reviews

Naval Goel

Reviewed By: Naval Goel

Naval Goel is the CEO & founder of PolicyX.com. Naval has an expertise in the insurance sector and has professional experience of more than a decade in the Industry and has worked in companies like AIG, New York doing valuation of insurance subsidiaries. He is also an Associate Member of the Indian Institute of Insurance, Pune. He has been authorized by IRDAI to act as a Principal Officer of PolicyX.com Insurance Web Aggregator.