TATA AIG Medi-Prime Cashless Health Insurance Policy

What is the Plan all About?

MediPrime from Tata AIG is a cashless health insurance policy with no co-payment on health expenses. This health plan helps you get financial cover against all hospitalization expenses. This health plan offers you cashless mediclaim in 4 hours.

Key Features

Comprehensive health cover
No sub-limits on room rent
Premium discount on choosing 2 year policy term
No loading on renewal premium
Lifelong renewal of policy
Avail cashless hospitalization across 3000+ hospitals

Policy Benefits

In-patient hospitalization expenses are covered as mentioned in the Policy.
Pre hospitalization expenses are covered up to a maximum of 60 days before you are hospitalized and Post hospitalization expenses are covered up to a maximum of 90 days after you are discharged.
140 day care procedures which need the insured to be hospitalized for less than 24 hours are covered.
Domiciliary treatment expenses are covered under this plan.
Organ donor expenses incurred towards harvesting the organ are covered.
In-patient & Out-patient Dental treatment due to accident is covered.
Daily cash amount is paid towards accompanying person expenses, provided the insured is child aged 12 or below.
Vaccination, in case of animal post-bite treatment is covered for both in-patient & out-patient treatment.

Value Added Benefits

With Cumulative Bonus, the sum insured is increased by 10% on renewal of every claim-free policy year, up to a maximum of 50%.
Sum Insured can be enhanced at the policy renewal.
Ambulance Charges are covered under this plan.
Medical expenses incurred under AYUSH treatment are reimbursed.
Health check-up is covered after 4 continuous claim-free policy years.
Avail tax benefits u/s 80D as per IT Act, 1961 for premium paid for this plan.

Sub Limits

No room rent limit is applicable.
Ambulance charges are payable up to Rs 2,500 per hospitalization.
In-patient Dental treatment is covered up to Inpatient Sum Insured and Out-patient Dental treatment is covered up to Rs 7,500.
In-patient vaccination is covered up to Inpatient Sum Insured and Out-patient vaccination is covered up to Rs 5,000.
Health check-up is covered up to 1% of sum insured, subject to a maximum of Rs 5,000 per insured person.

Waiting Period Clause

Initial Waiting Period: A waiting period of 30 days from the inception date for all hospitalization claims except in case of accidents.
Specific Waiting Period: 2 Years Waiting Period will be applicable for specific illnesses.
Pre existing Disease Waiting Period: Any pre-existing ailment/injury that was diagnosed /acquired within 4 years from the issuance of the first policy.

Who can Buy the Plan?

Factor	Minimum	Maximum
Age (as on last birthday)	Adult: 18 Years, Children: 91 Days	65 Years
Sum Assured	2 Lacs	10 Lacs
Cover Type	Individual/Family Floater	-
Policy Tenure	1 Year	2 Years
Grace Period	30 Days	-
Free Look Period	15 Days	-
Riders	Nil	-