The Tata AIG MediPrime is a transparent health insurance policy that does not have any co-payment on expenses and allows both you and your savings to remain healthy.
Adults :
Minimum : 5 Years
Maximum : 65 Years
Maximum Members : 6
Maximum Adults : 4
Maximum Children : 2
Wide range of Sum Insured from 
2 lakhs up to 10 lakhs
5% discount offered if 2-year tenure is chosen
1 and 2 years
For individuals who are 50 years and above
For individuals with sum insured up to 5 lakhs
Children between 91 days – 5 years are covered provided both parents are covered in the policy
Adults :
Minimum : 5 Years
Maximum : 65 Years
Maximum Members : 6
Maximum Adults : 4
Maximum Children : 2
Wide range of Sum Insured from 2 lakhs up to 10 lakhs
5% discount offered if 2-year tenure is chosen
1 and 2 years
For individuals who are 50 years and above
For individuals with sum insured up to 5 lakhs
Due to scientific advancement, around 140 surgical procedures/treatments do not require you to be hospitalized for a minimum of 24 hours to raise a claim.
In this policy, if you don't make any claim, you earn a cumulative bonus of 10% of the sum insured up to a maximum of 50%. If you make a claim then your bonus shall be reduced by 10%
The medical expenses that are incurred due to harvesting organ from the donor for organ transplantation
The insurance company will compensate you for the medical expenses related to your hospitalization 30 days before the hospitalization. However, this can be increased to 60 days if the claim is intimidated only 5 days before hospitalization.
The insurance company will pay you for the medical expenses related to your hospitalization 60 days post hospitalization. However, it can be increased to 90 days if the claim is intimated only 5 days before hospitalization.
Outpatient vaccination is covered up to Rs. 5000 and for in-patient treatment, up to in-patient treatment sum insured
If the insured person who is hospitalized is aged 12 years or less, a daily cash allowance will be paid for one accompanying adult for a period of 24 hours if the hospitalization exceeds 12 hours.
For sum insured of 2 – 4 lakhs: Daily cash of Rs. 300 per day and maximum of Rs. 900 per day is provided
For sum insured of 5 -10 lakhs: Daily cash of Rs. 500 per day and maximum of Rs. 15,000 per day is provided
You can get up to 1% of sum insured up to Rs. 5000 for a health check for consecutive 4 claim-free years.
You can avail medical treatment at home up on the advice of a physician up to sum insured
Pays for expenses for in-patient treatment that is taken under Homeopathy, Ayurveda, Unani and Sidha. For sum insured of 2-4 lakhs up to Rs. 20,000 is covered and for sum insured of 5-10 lakhs up to Rs. 25,000 is paid.
Supposing medical services are not available at the particular hospital. Then this plan provides reimbursement of expenses of Rs. 2500 incurred on emergency ambulance service provider in case of transporting patient from one hospital to another.
It covers expenses incurred in event of organ transplantation
For any reason, should you decide not to proceed with the policy, you can return the same and request for a refund within 15 days from the date of receipt of the policy document.
No limit
No sub-limits on room rent, doctor fees, and hospitalization expenses
A 30 days cooling off period for all claims except any arising out of accidental injuries.
The policy covers some specific diseases/treatments only after 24 months. These include Cataract, Arthritis, Hernia, Kidney Stone, and so forth.
You can claim for any pre-existing conditions after 48 months from the policy start date.
The Plan will not cover any liabilities towards the treatments of following conditions-
This Tata AIG MediPrime policy is an ideal comprehensive plan that you can buy. Its wide range of sum insured gives you more flexibility. Also, since there are no sub-limits on hospital room rent, hospital charges, and doctor fees, it gives you wider scope of coverage. The 5% discount on a tenure of 2 years is another highlight of this plan.
**Reviews and ratings are based only on Benefits and Conditions. Things like Claim Settlement Ratio, Hospital Network have not been covered under product ratings. These are covered under Company ratings.
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