Tata AIG MediPrime Health Insurance

The major attractions of the plan, in terms of its coverage benefits, include the following –

• Expenses incurred before and after hospitalisation as well as in the hospital are covered
• 140 daycare treatments are covered wherein a 24-hour hospitalisation is not required
• If treatments are taken at home due to specified reasons then such treatments would also be covered under domiciliary treatments
• In case of an accidental injury, the plan covers the expenses incurred on dental treatments, both on an inpatient as well as outpatient basis
• AYUSH treatments, which are non-allopathic treatments are covered up to specified limits
• If the insured is a minor child aged below 12 years and if the child is hospitalised, a daily allowance would be paid for meeting the expenses incurred in accompanying the child to the hospital
• In case of animal bites, the cost of vaccinations are covered both on an inpatient as well as an outpatient basis
• In the case of no claims in the policy year, a cumulative bonus of 10% is allowed as an increase in the sum insured without increasing the premium. Increase in the sum insured would be allowed up to 50%
• After every four claim-free policy years, free health check-ups would also be covered up to 1% of the sum insured subject to a maximum of Rs. 5000

Additional benefits of the plan include the following –

• The premium paid for the plan helps in reducing your tax liability. Premiums paid are allowed as a deduction from your taxable income which decreases your tax liability
• The plan can be renewed for the entire lifetime of the insured
• A discount of 5% is allowed if a two-year policy period is chosen and the premium is paid at once

MediPrime is a comprehensive health insurance plan which provides coverage for basic and advanced medical expenses. Moreover, coverage for certain outpatient expenses also increases the scope of the plan making it a good buy.

If you want to buy MediPrime, go online. The online medium offers you the easiest way to buy the plan. Among various online websites, InsuranceDekho website helps you find your health insurance requirement. You can do a complete need analysis on InsuranceDekho website and then choose the most optimal sum insured level for coverage.

Under the scope of inpatient treatments, coverage is available for the expenses incurred on room rent, ICU room rent, fees payable to doctors, surgeons, nurses and anaesthetists, costs of medicine, oxygen, drugs, blood, etc., the expenses incurred on surgeries and treatments and also the cost of prosthetics or devices which are implanted in the body surgically.

The plan covers ambulance costs on the actual amount incurred up to a maximum of Rs. 2500.

If the insured is hospitalised due to an accident and dental treatments are required in the course of treating the injuries, the expenses incurred would be covered up to the sum insured. Moreover, there is also coverage for dental expenses incurred on an OPD basis. Coverage is available for up to Rs. 5000 for sum insured up to Rs. 4 Lakh and Rs. 7500 for sum insured of Rs. 5 Lakh and above.

If an insured child, aged below 12 years, is hospitalised, the plan pays a daily cash benefit for accompanying the child to the hospital. The amount of benefit is Rs. 300/day if the sum insured is up to Rs. 4 Lakh and Rs. 500/day if the sum insured is Rs. 5 Lakh and above. The benefit is paid for a maximum period of 30 days.