left chevron iconSuper top-up -FAQ

Tata Digital Private Limited is the Group Master Policy holder. Insurance is underwritten by Tata AIG General Insurance Company Limited (IRDA Regn. No. 108) under Group MediCare (UIN: TATHLGP21248V022021)
Any Tata Neu user between the age of 18 to 65 years can get the Super top-up plan
Super top-up policy can be renewed every year till lifetime (i.e. there is no age limit/restriction for renewal), subject to Tata Digital Private Limited master policy is renewed and insured person continues to be member of Tata Digital Private Limited
No. You can choose any room you like. Different categories of rooms have different rents. Just like how hotel rooms have tariffs. Super Top-up on Tata Neu lets you choose rooms without worrying about any limit or restrictions
No. There is no such limit for any Treatment / Illness / Surgery / Medical Condition in this policy
No. There is no co-payment involved in this Super top up health insurance policy for Tata Neu customers
Yes, covered. The policy covers expenses for consultations, investigations, medicines, incurred 60 days before and 90 days after hospitalisation, related to the same illness for which insured was admitted in the hospital and claim processed
Yes, covered. Ambulance services are one of the most essential medical services as they don't only help transport an ill person to the hospital but also include basic facilities required in medical emergencies. The cost of the same up to ₹ 3,000 is covered under this super top-up policy incurred on transportation to a Hospital for admission or from one Hospital to another Hospital for better medical facilities and treatment
Yes, covered. The policy covers for medical and surgical expenses of the organ donor for harvesting the organ where an Insured Person is the recipient
Yes. the Super top up health insurance policy cover 541 day care procedures i.e. the ones for which you do not have to be hospitalised for more than 24 hours. The list of such day care procedures covered is available on Tata AIG website - https://www.tataaig.com/s3/Others_List_of_Day_Care_Procedures_Medicare_b9378381cb.pdf
Yes, covered. AYUSH stands for Ayurveda, Yoga & Naturopathy, Unani, Siddha and Homoeopathy. Super Top-up policy on Tata Neu covers for treatments through AYUSH as well
Yes, covered. We understand that the COVID-19 has brought in a lot of uncertainty into our lives. Apart from other illnesses, the COVID-19 is covered too
The policy covers treatment taken in India only
'Waiting Period' is the amount of time you need to wait for, until you can make a claim generally for a pre-existing or specific illness
The initial waiting period for this Super Top-up health policy is 30 days i.e. you cannot make claim in first 30 days. However, accidental injury treatment expenses are covered from Day 1
Super Top-up health policy covers expenses related to pre-existing diseases, specified diseases / illnesses / procedures after 24 months waiting period
Annually. You will have to pay the premium amount every year

Cashless claim - The insurance provider settles the claim by making the payment directly with the network hospital
Reimbursement claim - You will have to pay for the expenses first and later file a claim with the insurance provider for reimbursement
Network Provider means hospitals or health care providers enlisted by Insurer to provide medical services to an Insured on a cashless basis. You can find list of Tata AIG Network hospital at https://www.tataaig.com/locator/cashless-network-hospitals
Tata AIG has tied up with 7,000+ network hospitals across India. When you get a covered treatment at a network hospital, you can enjoy cashless claim
Tata AIG has 7,000+ network hospitals available across India for cashless claims
If you have to take medical treatment at a hospital not part of Tata AIG network hospital list, then you can file a reimbursement claim with Tata AIG and they will reimburse your expenses as per the policy terms and conditions
No, you don’t need to opt for it. Cashless is already included as a claim option in all health insurance policies
No, there is no cap or limit on the number of claims, until you exhaust the yearly sum insured amount

A super top-up health insurance plan covers medical expenses above a specific limit called 'deductible' . For e.g.
- Customer A has employer-provided health insurance of ₹ 2 lakhs
- Customer A purchases a super top-up health insurance with Sum Insured of ₹ 20 lakhs & 'deductible' of ₹ 2 lakhs
- Customer A incurs hospital expenses for a covered treatment of ₹ 10 lakhs (Claim 1) during policy year
- Customer A shall claim for the first ₹ 2 lakhs through employer-provided health insurance, while Super top-up health insurance policy shall pay for the balance ₹ 8 lakhs
- Customer A incurs another hospitalisation bill for a covered treatment of ₹ 12 lakhs in the same policy year (Claim 2)
- Now, Super top-up health insurance policy shall pay for the total ₹ 12 lakhs, since deductible was already covered in Claim 1
A super top-up health insurance plan is like an extension of a health insurance you can use when you’ve already used your personal or corporate health insurance or, are largely okay to pay a small amount from your savings, while covering for larger medical expenses
A top-up plan comes into play only if a single claim exceeds the deductible limit. However, a super top-up is far more useful as it takes aggregate of all claims made during the year into account to determine whether or not the limit is achieved
For example, if you incur two hospitalisation claims of ₹ 2 lakh each, and the deductible of the top-up plan is ₹ 3 lakh, then the standard top-up plan would not admit any claim. However, a super top-up plan would admit a claim of ₹ 1 lakh. In cases of severe illness, multiple hospitalisations are often required in one year. In such cases, a super top-up plan is more beneficial
No, having a base health insurance policy is not a pre-requisite for buying a super top-up; it can be purchased independently too. For example:
- Customer A has only a super top-up health insurance policy with sum insured of ₹ 20 lakhs and deductible of ₹ 2 lakhs
- Customer A incurs medical expense of ₹ 22 lakhs in a year for a covered treatment
- Customer A shall have to bear for the first ₹ 2 lakhs through own savings
- Super top-up health insurance policy shall pay for the balance ₹ 20 lakhs
Super top-up health insurance works even if you do not have any other health insurance policy and are okay to pay a small amount from your savings, while covering for larger medical expenses from super top-up health insurance policy
No, customer can have base and super top-up health insurance policy from different Insurance companies
In case of multiple health insurance policies taken from one or more insurers, the insured person has the right to claim from any of his/her policies. If the amount to be claimed exceeds the sum insured under a single policy, the Insured person shall have the right to choose Insurer from whom he/she wants to claim the balance amount
Insured person having multiple policies shall also have the right to prefer claims under Super Top-up policy for the amounts disallowed under any other policy/policies even if the base policy sum insured is not exhausted. Then the Insurer shall independently settle the claim subject to the terms and conditions of Super top-up Policy
Super Top-up plan on Tata Neu provides instant policy certificate without any medical checkup and based on customer good health declaration. Policy is activated from the midnight of the successful transaction date
Upon succesul transaction, all the policy details are sent to your email ID. You can also find the policy details and download certificate from Tata Neu app (Tata Neu home > Finance > tap Super top-up icon)
Yes, there is a free look period of 15 days to review the terms and conditions of the policy, and to return the same if not acceptable. The Insurer shall refund premium as defined in Policy terms
Yes, the Policyholder may request for cancellation of the Policy. The Insurer shall refund premium for the unexpired coverage period as defined in the Policy
Yes, the Policy shall be renewed with premium payment to maintain continuity of benefits without Break in Policy. No loading shall apply on renewals based on individual claims experience. Renewal shall not be denied on the ground that the insured had made a claim or claims in the preceding policy years. Super top-up policy can be renewed every year till lifetime (i.e. there is no age limit/restriction for renewal), subject to Tata Digital Private Limited Master policy is renewed and insured person continues to be member of Tata Digital Private Limited
Yes, premiums paid towards Super top up health insurance policy on Tata Neu qualifies for tax benefit under section 80D of the Income Tax Act. The 80D certificate is part of policy certificate document
Your policy document contains invoice details and the 80D certificate. You can use this document as an invoice or for tax benefit purposes
Sum Insured (SI) is the maximum amount that is provided to you (the insured) for all claims made in one year i.e. policy period
In a family floater health insurance, all family members are protected under one plan. This means the total sum insured is shared amongst all family members; whereas an individual health insurance plan is dedicated to one specific person, wherein the sum insured is dedicated to one person only
A super top-up policy is triggered once the medical expenses cross a particular threshold termed ‘deductible’. While a top-up plan considers the threshold limit/deductible for every claim, a Super Top-up plan considers all the claims put together in a policy period

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