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TATA AIG MediPrime Insurance

Mediprime Health Insurance
  • Available for 18 years to 65 years of age
  • Cashless hospitalization
  • Buy policy for 2 years to get 5% discount
  • Lifelong renewal provided
1. Coverage type
2. Coverage amounts
3. Age of senior member of the family
  OR age   
Policy Duration
3. Start Date
4. End Date
*Optional
  • Features
  • Coverage
  • Benefits
  • Exclusions
  • Term
    • Option of choosing 1 year or 2 years
    • For a 2 year term option, 5% discount is applicable
    • Premium for 2 year policy is as per age slab applicable for each year.
    • Get a 10% discount on individual plan for a family if 3 or more family members are covered.
  • Eligibility Criteria
    • Individual & Family Floater
    • Entry age is 18 years to 65 years
    • It can insure yourself, your spouse, up to 3 dependent childern (aged between 91 days to 21 years) and your dependent parents
    • It covers maximum of 5 family members (up to a maximum of 2 adults and 3 childern under a single family floater) and 7 members individual policy
  • Mediprime Features
    • Comprehensive coverage for hospitalization and surgical treatments
    • Coverage for Inpatient Ayurveda, Unani, Sidha or Homeopathy treatment, inpatient hospitalization including room rent, ICU, nursing, medicines drugs covered without any sub-limits
    • Renewal benefits -Cumulative Bonus (Increase in Sum Insured) & Health Check up (every four claim free years)
    • No Co pay, No Sublimits, No loading on renewal premium in case of a claim
    • Renewal for life
  • Family Floater
    • With TATA AIG Mediprime family floater policy you can insure yourself, spouse, up to 3 dependent children and your dependent parents
    • Family floater options 1A + 1C, 1A + 2C, 1A + 3C, 2A + 1C, 2A + 2C & 2A + 3C Where A = Adult & C= Child
  • Sum Insured options
    • 2 lac, 3 lac, 4 lac, 5 lac, 7.5 lac &10 lac
  • Pre-policy check
    • Above 45 years of age & sum insured 5 lacs and more, it is required to submit the medical reports to buy the insurance
  • Renewal benefits
    • Cumulative Bonus – 10% increase in your annual Sum Insured for every claim free year, subject to a maximum of 50%. In case a claim is made during a policy year, the cumulative bonus would reduce by 20% in the following year
    • Health Checkup – 1% of the Sum Insured per policy subject to a maximum of Rs.5,000 per insured person only once at the end of four continuous claim free years during which you have been insured with us.
    • Sum Insured Enhancement – Sum insured can be enhanced at the time of renewal if no claim has been made. For 1 level increase in the Sum Insured there will no fresh medical tests. In case where the sum insured increase is more than 1 level, then fresh medical tests will be required. On acceptance of the increased sum insured, a fresh waiting period will be applicable only to the incremental sum insured.
  • Waiting period
    • 30 days from the 1st inception of the policy (except medical expenses due to accident)
    • 24 months for specific illness and treatments
  • Pre-existing condition
    • Coverage against pre-existing conditions post 4 years of continuous renewals with TATA AIG Mediprime.
  • Portability
    • Transfer the accrued benefits and provide due allowances for pre-existing conditions and time bound exclusions for your health insurance policy for the period enjoyed with any other health insurance plans provided there is a continuous cover without any interruption. You need to approach at least 45 days prior to your expiry date to avoid any break in coverage. Portability will be provided in accordance to IRDA guidelines issued from time to time..

Coverage without any sub-limits on health expenses

  • Room & ICU charges
  • Day Care Procedures – Medical expenses for 140 Day care procedures which do not require 24 hours hospitalization due to technological advancement
  • Domiciliary Treatment - Medical Expenses incurred by an Insured Person for availing medical treatment at his home which would otherwise have required hospitalization
  • Organ Donor - Medical Expenses on harvesting the organ from the donor for organ transplantation

Benefits of Mediprime Insurance ((All Amounts in INR)

Features Sum Insured Rs.2,3,4 lakhs Sum Insured Rs.5,7.5, 10 lakhs
In-patient Treatment Covered Covered
Pre-hospitalization (upto 60 days) Covered Covered
Post-hospitalization (upto 90 days) Covered Covered
Day Care Procedures Covered Covered
Domiciliary Treatment Covered Covered
Organ donor expenses Covered Covered
Emergency Ambulance Up to Rs.2500 per hospitalization Up to Rs.2500 per hospitalization
Dental Treatment (In case of Accident) Inpatient Dental treatment – Upto Inpatient Sum Insured. Outpatient Dental treatment – Upto Rs. 5,000. Inpatient Dental treatment – Upto Inpatient Sum Insured. Outpatient Dental treatment – upto Rs. 7,500.
AYUSH Benefit Inpatient Ayurveda, Unani, Sidha or Homeopathy treatment maximum upto Rs. 20,000 Inpatient Ayurveda, Unani, Sidha or Homeopathy treatment maximum upto Rs. 25,000
Daily Cash for Accompanying an Insured Child Rs. 300 per day, maximum upto Rs. 9,000 Rs. 500 per day, maximum upto Rs. 15,000
Vaccination (In case of post-bite treatment) Inpatient treatment – Upto In-patient Treatment Sum Insured.
Outpatient Vaccination - Upto Rs. 5,000
Inpatient treatment – Upto In-patient Treatment Sum Insured.
Outpatient Vaccination - Upto Rs. 5,000
Health Check-up 1% of the Sum Insured per Policy subject to a maximum of Rs. 5,000 per Insured Person only once at the end of a block of every continuous four claim free years during which You have been insured with Us. Our maximum liability will be subject to 1% of the Sum Insured for this Policy Year or the subsequent Policy Years (whichever is lower). 1% of the Sum Insured per Policy subject to a maximum of Rs. 5,000 per Insured Person only once at the end of a block of every continuous four claim free years during which You have been insured with Us. Our maximum liability will be subject to 1% of the Sum Insured for this Policy Year or the subsequent Policy Years (whichever is lower).
Any treatment which begins during waiting periods except
  • Accident related
  • War
  • Intentional self-inflicted injury or illness
  • Abuse of drugs and alcohol and nicotine addiction
  • Maternity and all related conditions
  • Congenital diseases
  • Conditions related to or arising out of HIV
  • AIDS etc
Note: Please refer to policy wordings for the list of exclusions.

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