Tata AIG is a general insurance service provider operating in the market. The company offers a range of health insurance products and ensures that policyholders are adequately covered against various illnesses and injuries. Mediprime is a comprehensive health insurance cover offered by Tata AIG. If you are looking for a family floater health insurance policy, this is one of the policies that must be certainly considered. This policy offers a range of benefits for policyholders and comes with an affordable price tag.
The following eligibility criteria must be met for potential policyholders to be enrolled in this cover:
Some of the key features of Tata AIG Mediprime can be listed as follows:
Some of the benefits offered by this medical insurance policy can be given in this table below:
|In-patient hospitalisation||Actual expenses up to the sum insured limit including room rent, diagnostic tests, drugs, medications, etc.|
|Day care treatment||Coverage for up to 140 procedures that do not require 24-hour hospitalisation|
|Domiciliary treatment||Covered for up to the sum insured limit|
|Alternative treatment||Coverage for AYUSH (ayurveda, unani, siddha, and homeopathy)|
|Emergency ambulance cover||Up to Rs.2,500 per hospitalisation|
|Dental treatment (arising out of accident)||In-patient: up to the sum insured limit Outpatient: up to Rs.5,000 or Rs.7,500 (based on sum insured limit)|
|Organ donor cover||Covered for harvesting an organ from the donor|
|Vaccination and inoculation (after post-bite treatment)||In-patient: up to the sum insured limit Outpatient: up to Rs.5,000|
|Cumulative bonus||10% per claim-free year (maximum of 50%)|
|Health checkup||Up to 1% of the sum insured (maximum of Rs.5,000)|
Tata AIG is not liable for paying the following medical expenses:
Any claims from Tata AIG can be made with the specified third-party administrator (TPA) who manages all claims. The TPA must be notified 48 hours prior to admission during a planned hospitalisation stay. In emergency situations, the notification can be made within 24 hours after hospital admission. For cashless treatment, the pre-authorisation form along with the required documents must be sent to the TPA as early as possible. Once the documents are submitted, the TPA will provide authorisation for cashless treatment.
To get reimbursement after hospital stay, the insured must submit various documents such as medical bills, diagnostic reports, physician certificate, discharge summary, etc. to the TPA within 7 days after discharge from the hospital. Once the documents are submitted, the claim process will be initiated. If there is any reason for claim rejection, it will be communicated to the insured within 7 days. Following claim acceptance, the settlement amount will be provided to the insured in 30 days.
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