Tata AIG MediPrime

Objective

This policy aims to provide financial assistance to the insured in event of a health emergency.

Suited for

It can be bought as individual or family floater cover. Under the family cover, the sum insured can be utilized by any of the insured members in case of need.

What does it do?

Apart from inpatient hospitalisation treatment, it covers two outpatient treatments including accident related dental treatment and vaccination expenses after animal bite. It covers non-allopathic treatments like Ayurvedic, Unani and homeopathy, with a condition that the treatment iss availed as an inpatient. There are other benefits for treatments that do not require an overnight stay in a hospital, treatments taken at home, organ donor expenses in case of a transplant and daily cash allowance for accompanying an insured child.

Pros

There are no sub-limits under inpatient benefit and the policy allows lifelong renewal.
It covers non-allopathic treatments and provides OPD benefits.
Premium paid towards this policy is deductible under Section 80D of Income Tax Act.

Our View

This is a good policy offering wide medical coverage at nominal premium rates. Absence of sub-limits and lifetime renewal are major advantages. Outpatient treatment cover is another valuable benefit. If you are looking to buy health insurance up to Rs 10 lakh for self or family, this policy is recommended.