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Tata AIG Mediprime

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Review of Tata AIG MediPrime Plan 

Tata AIG MediPrime Plan is a comprehensive health insurance policy which will reimburse the cost of medical treatment done by a person for any injury, illness or accident. It covers hospitalisation costs and expenses incurred to undergo day-care treatments which do not require the person to be admitted in the hospital. This plan can be renewed for life and it has no sub limits across hospitalization benefits.  It also provides for Accidental Dental Treatment and Non-allopathic in-patient treatments like Ayurvedic, Unani or Homeopathy.


Key Features of Tata AIG MediPrime Plan

  • Wide range of coverage amount ranging from Rs.2 lacs to Rs.10 lacs
  • No sub limits for treatments and hospitalization benefits
  • Assured renewal of policy for life
  • No loading on renewal in case of a claim
  • No use of third party administrators (TPA) to process claims. The company has a direct claim service team
  • Inpatient and outpatient coverage for Accidental Dental treatment
  • Coverage for Non-allopathic in-patient treatments like Ayurvedic, Unani or Homeopathy
  • Provides coverage for most day care procedures
  • No medical check-up up to 45 years and up to Sum Insured of Rs 5 lacs.



What is covered in Tata AIG MediPrime Plan?

  •  Treatment expenses during hospitalisation which includes pre and post hospitalization care
  • Day Care Procedures- 140 different Day Care procedures which do not require 24 hours hospitalization due to technological advancement.
  • Pre and post hospitalisation expenses which include doctor’s consultation, medicines, drugs, other consumables and diagnostic tests
  • Domiciliary Treatment- for availing medical treatment at his home which would otherwise have required hospitalization.


Additional Benefits of Tata AIG MediPrime Plan

  • Emergency ambulance cost covered
  • Expenses for organ donor of transplant
  • Health check-up expenses on every 4 years of continuous renewal
  • Coverage for Non-allopathic in-patient treatments like Ayurvedic, Unani or Homeopathy
  • Provides for Cash Benefit for accompanying on hospitalization of an Insured Child
  • Pre-existing Diseases will be covered after a waiting period of 48 months
  • Cumulative Bonus of 10% increase of the annual Sum Assured for every claim free year
  • Sum Assured can be enhanced at the time of renewal



Eligibility and Restrictions of Tata AIG MediPrime Plan





Coverage Amount (in Rs.)



Policy Term (in years)



Entry Age (in years)



Renewable till Age (in years)


Life long


Family floater policy will cover

Family Floater Option is allowed under this plan. 10% Family discount in Individual plan if 3 or more family members are covered.


Tax Benefits 

Health Insurance premiums paid up to Rs. 15,000 in case of individuals and Rs 20,000 for senior citizens are allowed as a deduction from the taxable income each year under section 80D of the Income Tax Act.


Exclusions - What is not covered in Tata AIG MediPrime Plan?

  • Pre existing diseases will not be covered for the first 4 policy years given there has been continuous renewal from the policy start date
  • Treatment done in the first 30 days from the commencement of the policy, unless the treatment is done as a result of accident or emergency. This is referred to as a waiting period.
  • The waiting period for specific conditions will be 24 months
  • Any treatment which begins during waiting periods except Accident related / War / Intentional self injury or attempted suicide / Abuse of drugs and alcohol and nicotine addiction / Treatment of Obesity / Sleep Apnoea / Maternity / Psychiatric or mental disorders / Congenital diseases / Conditions related to or arising out of HIV/AIDS / etc.



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