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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.

Eligibility
Entry Age (years) 
Minimum18; 91 days for children
Maximum65; 21 years for children
Maximum Policy Renewal Age (years)Life long renewal
Coverage TypeIndividual/ family floater
Sum Insured (Rs) 
Maximum10 lakh
Minimum2 lakh
Policy Term (years)1 or 2
Discount5% on premium for choosing a 2 years policy term.
Family discount of 10% if 3 or more family members are covered under the same policy.
No Claim Bonus10% increase in annual inpatient sum insured for every claim free year subject to a maximum of 50%. If a claim is made, the cumulative bonus would reduce by 20% in the following year
Pre Policy Medical Check UpRequired for person above 45 years of age and Sum Insured greater than 5 lakhs. l50% of medical costs will be reimbursed upon proposal acceptance
Grace Period for Policy Renewal15 days
Policy TerminationInsurer may cancel the policy by giving a 30 days notice period. Policyholder is also allowed to cancel the policy at anytime. If no claim has been made, insurer would refund a proportionate premium as agreed in the policy document
Customer Service 
AddressRegistered Office:TATA AIG Insurance, 9th Floor, Piramal Towers, Peninsula Corporate Park, Ganpatrao Kadam Marg, Lower Parel, Mumbai - 400 01
Mail to[email protected]
Call to1800-266-7780
SMSTAG to 5616181
Additions to the Plan
Scope of Cover
Sum Insured (in Rs.)
Benefits (per policy year)2 lakh/ 3 lakh/ 4 lakh5 lakh/ 7.5 lakh/ 10 lakh
Cashless facilityavailable if treatment taken in a network hospital
Reimbursement facilityavailable if treatment availed in a non-network hospital
Pre & post hospitalisationcovers expenses incurred during 30 days prior to hospitalisation and 60 days after discharge. Number of days can be increased to 60 for pre hospitalisation and 90 post discharge if insured member informs insurer 5 or more days in advance of hospitalisation date.
Inpatient treatmentcovered without sub-limits
Other benefits
Day Care Procedurescovers 140 day care treatments
Domiciliary treatmentcovered
Organ donor expenses
Ayush benefitcovers inpatient Non-allopathic in-patient treatments like Ayurvedic, Unani or Homeopathy maximum upto Rs 20000covers inpatient Non-allopathic in-patient treatments like Ayurvedic, Unani or Homeopathy maximum upto Rs 25000
Health check up (once after 4 continuous renewal)pays upto 1% of sum insured per policy subject to maximum of Rs 5000 per insured person
Ambulance expensescovered upto maximum of Rs 2500 per hospitalisation
Daily cash benefit for accompanying an insured child aged 12 years or lesspays Rs 300 per day maximum upto Rs 9000 per hospitalisationpays Rs 500 per day maximum upto Rs 15000 per hospitalisation
Outpatient cover
Outpatient Vaccination (post bite treatment of animal bite)pays upto Rs 5000
Accident related Dental Treatmentcovered upto Rs 5000covered upto Rs 7500
Exclusions and Waiting Period
Pre-existing diseasescovered after 48 months of continuous renewal
No claim period30 days from inception of the policy
Waiting period2 years for certain illnesses such as arthritis, sinusitis, joint replacement etc. as stated in the policy document
Annual Premium
Age (in years)Sum Insured (in Rs)
2 lakh3 lakh4 lakh5 lakh7.5 lakh10 lakh
Individual
0-17255626942894314433713544
18-35301534104419553261876558
36-45375742185586699278208289
46-50612272539037113111265713417
51-557906964112014150391682917841
56-6092021118713943174531953020705
61-65150071765122002275413082232677
66-70193072427230257378764239344946
>70214002842735438443615003453047
1 Adult + 1 Child
18-35477751776065719479268377
36-45543259537033840592809814
46-507317840510208124911388814706
51-5589311055813024161401800919082
56-60100621191314769183752052621754
61-65162771893223469292463268834647
66-70202102498931022387014327445871
>70221252879035762446345026453283
1 Adult + 2 Children
18-3567487251828395891048911072
36-45738980109230107741181512478
46-5093231052412567151421676317735
51-55110161277915619191882135822620
56-60121911419217502216572415625593
61-65183992122026174324803626038424
66-70222492714933567417344662149410
>70241243086938206475425346356665
1 Adult + 3 Children
18-358519911310267117231277013469
36-459138984611182128681405114827
46-50110631234814553173241911120206
51-55127921464617743216222401225420
56-60140041611119762243292709728701
61-65201312306028309349893901741337
66-70238492878635449439274902451947
>70256603238039930495365563258954
2 Adult
18-3547425250732491641024810862
36-45568763718894111341245213199
46-5089481046113031163121825019346
51-55117941423617738222052484526339
56-60142241727021500269413014731960
61-65231652747334243428654796950856
66-70311293855248057601576732971383
>70370944839660331755238501890138
2 Adult + 1 Child
18-35612868839515115171276213504
36-457201794811052134451492015792
46-50109391257515395189912116122415
51-55138471643920328252862824429932
56-60162761947924168301443369535715
61-65251672961436786459195134654428
66-70329614045850307628457029574519
>70388005009462321778848760992876
2 Adult + 2 Children
18-357525823511457135861496615818
36-458650951012942154481705018028
46-50126471436517349211492348824864
51-55155571823922388276743085632690
56-60179632126026259326283643438610
61-65266923120138623480745371256928
66-70342204167551682644227201476332
>70398595098163286789488873794063
2 Adult + 3 Children
18-358898967713061153931692417880
36-45100231095214546132551900820090
46-50140201580718953229562544626926
51-55169301968123992294813281434752
56-60193362270227863344353839240672
61-65280653264340227498815567058990
66-70355934311753286662297397278394
>70412325242364890807559069596125
Premiums are exclusive of service tax and cess.

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