Tata AIG MediPrime Health Insurance Plan

Tata AIG MediPrime Plan is a which covers hospitalisation costs and expenses incurred for day care treatments, in inpatient expenses, domiciliary treatment and organ donor expenses among others. There is no loading on renewal premium after a claim is made.

Features & Benefits of Tata AIG MediPrime Policy:

The salient features of the Tata AIG Mediprime plan are listed below.

Entry Age Minimum is 18 years (91 days for children) and maximum is 65 years
Renewability Lifetime (grace period for renewal of policy is 15 days)
Coverage Type Individual and family floater
Policy Term 1 or 2 years
Medical Screening Required for person above 45 years of age and Sum Insured more than Rs. 5 lakh. Also, l50% of medical costs will be reimbursed if proposal is accepted
Sum Insured Maximum is Rs. 10 lakh; minimum is Rs. 2 lakh. Sum Insured can be enhanced at the time of renewal (as per the underwriting guidelines of the company)
Claim Period 30 days from the inception of the policy
Waiting Period
  • 30 days for all ailments in the first year
  • 24 months for specific ailments and treatments in the first two years
Discount
  • 5% on premium for choosing a 2 year policy term
  • Family discount of 10% if 3 or more members are covered under the same policy
Sub-limits No sub-limits for inpatient benefits
Coverage
  • Cashless facility available at a network hospital
  • Reimbursement facility is available in case of treatment at a non-network hospital
  • Pre and post hospitalisation expenses include expenses incurred during 30 days prior to hospitalisation and 60 days after discharge from the hospital.
  • The number of days for both pre hospitalisation and post discharge can be increased to 60 and 90 days respectively, if the insured member informs the company 5 or more days prior to the hospitalisation date.
  • Inpatient treatment covered sans sub-limits
  • Offers cover for 140 day care treatments
  • Domiciliary treatment covered
Organ Donor Expenses
Ayush benefit Inpatient non-allopathic in-patient treatments like Ayurvedic, Unani or Homeopathy maximum upto Rs. 25,000
Check up Up to 1% of the sum insured per policy subject to maximum of Rs. 5,000
Ambulance expenses Up to Rs. 2,500 per hospitalisation
Daily cash benefit for accompanying an insured child (12 years or less) Rs. 300 per day up to Rs. 9000 Rs 500 per day up to Rs. 15,000
  • Outpatient vaccination covered up to Rs. 5,000
  • Accident related dental treatment covered up to Rs. 7500
Benefits
  • Cash Benefit for accompanying on hospitalization of an insured child
  • Coverage for non-allopathic in-patient treatments like Ayurvedic, Unani or Homeopathy
  • Health check-up every 4 years of continuous renewal
  • Bonus of 10% increase of annual Sum Assured every claim free year
  • Sum Assured can be enhanced at the time of renewal
  • Organ donor transplant expenses
  • Emergency ambulance costs
  • Option to migrate to similar Indemnity health insurance policy
Tax Benefits Premiums paid up to Rs. 15,000 (individuals) and Rs. 20,000 (senior citizens) are tax deductible under section 80D of the Income Tax Act
Termination Insurer may cancel the policy by giving a 30 day notice period. If no claim has been made, the company would refund a proportionate premium as mentioned in the policy document
Exclusions
  • Pre-existing diseases will be covered after a waiting period of 48 months
  • Treatment in the first 30 days from the commencement of the policy, except accidents
  • Intentional self-injury, drugs abuse, alcohol addiction, obesity, maternity, psychiatric, congenital diseases and HIV/AIDS among others

Other Health Insurance Plans from Tata AIG:

GST rate of 18% applicable for all financial services effective July 1, 2017.

Disclaimer: Premiums may vary depending upon factors like age, location and prevailing taxes/GST.

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