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Tata AIG MediPrime

Eligibility  
Entry Age (years)  
Minimum 18; 91 days for children
Maximum 65; 21 years for children
Maximum Policy Renewal Age (years) Life long renewal
Coverage Type Individual/ family floater
Sum Insured (Rs)  
Maximum 10 lakh
Minimum 2 lakh
Policy Term (years) 1 or 2
Discount 5% 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 Bonus 10% 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 Up Required 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 Renewal 15 days
Policy Termination Insurer 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  
Address Registered Office:TATA AIG Insurance, 9th Floor, Piramal Towers, Peninsula Corporate Park, Ganpatrao Kadam Marg, Lower Parel, Mumbai - 400 01
Mail to customersupport@tata-aig.com
Call to 1800-266-7780
SMS TAG to 5616181
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