{"uin":"TATHLIP12001V011112","name":"Mediprime","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/mediprime-tathlip12001v011112","insurer":{"slug":"tata-aig-general-insurance","name":"Tata AIG General Insurance Company Limited","url":"https://indiainsurances.com/insurer/tata-aig-general-insurance"},"line":"health","category":"health-indemnity","category_name":"Health insurance (hospitalisation)","irdai_type":null,"kind":"product","status":"active","approved_on":"2013-05-20","withdrawn_on":null,"summary":"Medi Prime is a health indemnity policy issued on an individual or family floater basis with sum insured options from Rs. 2 lakh to Rs. 10 lakh. It has a 30 days initial waiting period, 48 months pre-existing condition waiting period, 15 days free-look period and 30 days renewal grace period.","analysis":{"state":"machine","analysed_at":"2026-10-19 22:50:33.949074+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"quote-verified","value":["Medi Prime Individual","Medi Prime Family Floater"],"display":"Medi Prime Individual; Medi Prime Family Floater","note":null,"quote":"Schedule of Benefits – Medi Prime Individual ... Schedule of Benefits – Medi Prime Family Floater","sources":[{"clause":null,"heading":"Schedule of Benefits – Medi Prime Individual","page":26,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/mediprime-tathlip12001v011112/document/17186#c-schedule-of-benefits-medi-prime-individual"},{"clause":null,"heading":"Schedule of Benefits – Medi Prime Family Floater","page":28,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/mediprime-tathlip12001v011112/document/17186#c-schedule-of-benefits-medi-prime-family-floater"}],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"The policy will be issued for a period 1/2 year.","display":"1/2 year","note":"From the prospectus.","quote":"The policy will be issued for a period 1/2 year.","sources":[{"clause":null,"heading":"MediPrime - Prospectus","page":1,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/mediprime-tathlip12001v011112/document/17031#c-mediprime-prospectus"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"For planned hospitalisation, the insurer or TPA must be informed immediately and at least 48 hours before admission. For emergency hospitalisation, intimation must be within 24 hours of admission.","display":"Planned: at least 48 hours before admission; emergency: within 24 hours of admission","note":null,"quote":"If any treatment for which a claim may be made is to be taken and that treatment requires Hospitalisation: | Immediately and in any event at least 48 hours prior to the Insured Person’s admission. ... If any treatment for which a claim may be made is to be taken and that treatment requires Hospitalisation in an Emergency: | Within 24 hours of the Insured Person’s admission to Hospital.","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/mediprime-tathlip12001v011112/document/17186#c-s1"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["Our claim form, duly completed and signed for on behalf of the Insured Person.","Original Bills (including but not limited to pharmacy purchase bill, consultation bill, diagnostic bill) and any attachments thereto like receipts or prescriptions in support of any amount claimed","All reports, including but not limited to all medical reports, case histories, investigation reports, treatment papers, discharge summaries.","A precise diagnosis of the treatment for which a claim is made.","A detailed list of the individual medical services and treatments provided and a unit price for each.","Prescriptions that name the Insured Person"],"display":"Claim form, original bills, reports, diagnosis, list of services and prescriptions","note":null,"quote":"Such documentation will include but is not limited to the following: ... Our claim form, duly completed and signed for on behalf of the Insured Person. ... Original Bills (including but not limited to pharmacy purchase bill, consultation bill, diagnostic bill) and any attachments thereto like receipts or prescriptions in support of any amount claimed which will then become Our property. ... All reports, including but not limited to all medical reports, case histories, investigation reports, treatment papers, discharge summaries. ... A precise diagnosis of the treatment for which a claim is made. ... A detailed list of the individual medical services and treatments provided and a unit price for each. ... Prescriptions that name the Insured Person and in the case of drugs: the drugs prescribed, their price and a receipt for payment.","sources":[{"clause":"5","heading":null,"page":8,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/mediprime-tathlip12001v011112/document/17186#c-5"},{"clause":"5(i)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/mediprime-tathlip12001v011112/document/17186#c-5-i"},{"clause":"5(ii)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/mediprime-tathlip12001v011112/document/17186#c-5-ii"},{"clause":"5(iii)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/mediprime-tathlip12001v011112/document/17186#c-5-iii"},{"clause":"5(iv)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/mediprime-tathlip12001v011112/document/17186#c-5-iv"},{"clause":"5(v)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/mediprime-tathlip12001v011112/document/17186#c-5-v"},{"clause":"5(vi)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/mediprime-tathlip12001v011112/document/17186#c-5-vi"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"quote-verified","value":"Admitted claims are paid within 30 days of submission of all necessary documents, information and any additional information required for settlement. Delay attracts interest at the prevalent bank rate plus 2%.","display":"Within 30 days of submission of all necessary documents / information; delay interest at bank rate plus 2%","note":null,"quote":"We shall make the payment of claim that has been admitted as payable by Us under the Policy terms and conditions within 30 days of submission of all necessary documents / information and any other additional information required for the settlement of the claim ... In case of any delay in payment as stated herein, We will pay you interest at the prevalent bank rate plus 2 %","sources":[{"clause":"5(vi)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/mediprime-tathlip12001v011112/document/17186#c-5-vi"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["Waiting Periods","30 days Waiting Period","Specific Waiting Periods","Pre-existing Conditions","War or any act of war","breach of law with criminal intent, or intentional self injury or attempted suicide","naval, military or air force operation, racing, diving, aviation, scuba diving, parachuting, hang-gliding, rock or mountain climbing","The abuse or the consequences of the abuse of intoxicants or hallucinogenic substances","Treatment of Obesity and any weight control program.","Psychiatric, mental disorders (including mental health treatments)","Venereal disease, sexually transmitted disease or illness; “AIDS”","Pregnancy (including voluntary termination), miscarriage","Experimental, investigational or unproven treatment","Any non medical expenses"],"display":"Waiting periods, pre-existing conditions, war, criminal acts/self injury, hazardous activities, intoxicants, obesity, mental disorders, venereal disease/AIDS, pregnancy, experimental treatment and non-medical expenses","note":null,"quote":"Waiting Periods ... 30 days Waiting Period ... Specific Waiting Periods ... Pre-existing Conditions will not be covered until 48 months of continuous coverage have elapsed ... War or any act of war ... Any Insured Person committing or attempting to commit a breach of law with criminal intent, or intentional self injury or attempted suicide while sane or insane. ... Any Insured Person’s participation or involvement in naval, military or air force operation, racing, diving, aviation, scuba diving, parachuting, hang-gliding, rock or mountain climbing. ... The abuse or the consequences of the abuse of intoxicants or hallucinogenic substances ... Treatment of Obesity and any weight control program. ... Psychiatric, mental disorders (including mental health treatments) ... Venereal disease, sexually transmitted disease or illness; “AIDS” ... Pregnancy (including voluntary termination), miscarriage ... Experimental, investigational or unproven treatment ... Any non medical expenses (list enclosed)","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/mediprime-tathlip12001v011112/document/17186#c-s1"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"Complaints may first be made to Tata AIG by the toll-free or tolled numbers or by email to customersupport@tata-aig.com. If unresolved, escalation is to manager.customersupport@tata-aig.com and then to the Head - Customer Services at head.customerservices@tata-aig.com before approaching the Insurance Ombudsman.","display":"Call 1-800-119966 / 022-66939500 / 1800 22 9966 or email customersupport@tata-aig.com; escalate to manager.customersupport@tata-aig.com, then head.customerservices@tata-aig.com","note":null,"quote":"if you are not satisfied with our services and wish to lodge a complaint, please feel free to call our 24X7 Toll free number 1-800-119966 or 022-66939500 (tolled) or 1800 22 9966 (only for senior citizen policy holders) or you may email to the customer service desk at customersupport@tata-aig.com. ... For lack of a response or if the resolution still does not meet your expectations, you can write to manager.customersupport@tata-aig.com. ... For lack of a response or if the resolution still does not meet your expectations, you can write to the Head - Customer Services at head.customerservices@tata-aig.com","sources":[{"clause":"Def. 53","heading":"You/Your/Policyholder","page":18,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/mediprime-tathlip12001v011112/document/17186#c-def-53"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"sum_insured_options","label":"Sum insured options","section":"Cover","meaning":"The cover amounts you can choose from.","status":"quote-verified","value":"Sum insured options are Rs. 2.00, 3.00, 4.00, 5.00, 7.50 and 10.00 lakh.","display":"Rs. 2.00, 3.00, 4.00, 5.00, 7.50, 10.00 lakh","note":"Family floater schedule states the same options per policy per policy year.","quote":"Sum Insured per Insured Person per Policy Year (Rs. in Lakh) | 2.00, 3.00, 4.00 | 5.00, 7.50, 10.00","sources":[{"clause":null,"heading":"Schedule of Benefits – Medi Prime Individual","page":26,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/mediprime-tathlip12001v011112/document/17186#c-schedule-of-benefits-medi-prime-individual"}],"law":[]},{"key":"initial_waiting","label":"Initial waiting period","section":"Waiting periods","meaning":"Days from the start of the first policy during which illness claims are not paid (accidents usually are).","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":"Does not apply to accident claims and may be waived for continuous prior cover as stated in the policy.","quote":"A waiting period of 30 days will apply to all claims unless:","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/mediprime-tathlip12001v011112/document/17186#c-s1"}],"law":[]},{"key":"ped_waiting","label":"Pre-existing disease waiting period","section":"Waiting periods","meaning":"How long you wait before conditions you already had when you bought the policy are covered. The law caps it at 36 months.","status":"quote-verified","value":{"unit":"months","amount":48},"display":"48 months","note":"Portability credit may reduce this waiting period.","quote":"Pre-existing Conditions will not be covered until 48 months of continuous coverage have elapsed, since inception of the first retail health insurance Policy with the Indian non life Insurer.","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/mediprime-tathlip12001v011112/document/17186#c-s1"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.6","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting","label":"Specific illness waiting period","section":"Waiting periods","meaning":"Waiting period for a list of named illnesses and procedures (cataract, hernia, joint replacement...). With several tiers (24 and 36 months), the shortest in the answer, the others in the note.","status":"quote-verified","value":{"unit":"years","amount":2},"display":"2 years","note":"The 2 years waiting period may not apply for at least 2 years of continuous prior retail health insurance.","quote":"The Illnesses and treatments listed below will be covered subject to a waiting period of 2 years as long as in the third Policy Year the Insured Person has been insured under an Medi Prime Policy continuously and without any break:","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/mediprime-tathlip12001v011112/document/17186#c-s1"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting_list","label":"Illnesses with a specific waiting period","section":"Waiting periods","meaning":"The named illnesses and procedures that carry the specific waiting period.","status":"quote-verified","value":["arthritis if non infective","calculus diseases of gall bladder and urogenital system","cataract","fissure/fistula in anus, hemorrhoids, pilonidal sinus, gastric and duodenal ulcers","gout and rheumatism","internal tumors, cysts, nodules, polyps including breast lumps","osteoarthritis and osteoporosis if age related","polycystic ovarian diseases","sinusitis and related disorders and skin tumors unless malignant","benign ear, nose and throat (ENT) disorders and surgeries","dilatation and curettage (D&C)","hysterectomy for menorrhagia or fibromyoma or prolapse of uterus","joint replacement","myomectomy for fibroids","surgery of gallbladder and bile duct unless necessitated by malignancy","surgery of genito urinary system unless necessitated by malignancy","surgery of benign prostatic hypertrophy","surgery of hernia","surgery of hydrocele","surgery for prolapsed inter vertebral disk","surgery of varicose veins and varicose ulcers","surgery on tonsils and sinuses","surgery for nasal septum deviation"],"display":"Listed illnesses and treatments include cataract, hernia, hydrocele, joint replacement, ENT surgeries, hysterectomy, gallbladder surgery, genito-urinary surgery and others","note":null,"quote":"Illnesses: arthritis if non infective; calculus diseases of gall bladder and urogenital system; cataract; fissure/fistula in anus, hemorrhoids, pilonidal sinus, gastric and duodenal ulcers; gout and rheumatism; internal tumors, cysts, nodules, polyps including breast lumps (each of any kind unless malignant); osteoarthritis and osteoporosis if age related; polycystic ovarian diseases; sinusitis and related disorders and skin tumors unless malignant. ... Treatments: benign ear, nose and throat (ENT) disorders and surgeries (including but not limited to adenoidectomy, mastoidectomy, tonsillectomy and tympanoplasty); dilatation and curettage (D&C); hysterectomy for menorrhagia or fibromyoma or prolapse of uterus ... joint replacement; myomectomy for fibroids; surgery of gallbladder and bile duct unless necessitated by malignancy; surgery of genito urinary system unless necessitated by malignancy; surgery of benign prostatic hypertrophy; surgery of hernia; surgery of hydrocele; surgery for prolapsed inter vertebral disk; surgery of varicose veins and varicose ulcers; surgery on tonsils and sinuses; surgery for nasal septum deviation.","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/mediprime-tathlip12001v011112/document/17186#c-s1"}],"law":[]},{"key":"moratorium","label":"Moratorium period","section":"Renewal and rights","meaning":"After this many months of continuous cover, the insurer cannot reject a claim for non-disclosure, except for proven fraud or permanent exclusions. The law sets 60 months.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 13","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 8","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"portability","label":"Portability","section":"Renewal and rights","meaning":"Whether you can move this policy to another insurer and keep waiting-period credit.","status":"quote-verified","value":"Portability means transfer of credit gained for pre-existing conditions and time bound exclusions when switching from one insurer to another. The policy says the insured person will be given portability credit of the waiting period based on years of continuous and uninterrupted cover.","display":"Portability credit for waiting periods based on continuous and uninterrupted insurance cover","note":null,"quote":"The insured person will be given the Portability credit of the waiting period based on the number of years of continuous and uninterrupted insurance cover. ... Portability - means the transfer by an individual health insurance policy holder (including family cover) of the credit gained for pre-existing conditions and time bound exclusions if he/she chooses to switch from one insurer to another","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/mediprime-tathlip12001v011112/document/17186#c-s1"},{"clause":"Def. 38","heading":"Portability","page":17,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/mediprime-tathlip12001v011112/document/17186#c-def-38"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 11","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.6","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, VII.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 24","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.4 and 1.5","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 10","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"lifelong_renewal","label":"Lifelong renewal","section":"Renewal and rights","meaning":"Whether the policy can be renewed for life without a maximum age.","status":"quote-verified","value":true,"display":"Yes, continuous renewal with no exit age","note":null,"quote":"We will be offering continuous renewal with no exit age subject to regular premium payment and compliance with all provisions and terms & conditions of this policy by the insured.","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/mediprime-tathlip12001v011112/document/17186#c-s1"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch II D.II","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"claim_loading","label":"Premium loading after claims","section":"Renewal and rights","meaning":"Whether the premium can go up at renewal because you made a claim.","status":"quote-verified","value":"Renewal premium will not change unless the insurer revises the premium with IRDA approval, or the insured moves to a higher age group, higher sum insured, different term or different plan.","display":"No claim-based renewal loading stated; premium changes for approved revision, age group, sum insured, term or plan","note":null,"quote":"Your renewal premium for this policy will not change unless we have revised the premium and obtained due approval from IRDA. Your premium will also change if you move into a higher age group, opt for a higher sum insured, change the term or change the plan.","sources":[{"clause":"5(vi)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/mediprime-tathlip12001v011112/document/17186#c-5-vi"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 4","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"permanent_exclusions","label":"Permanent exclusions","section":"Exclusions","meaning":"Conditions or treatments that are never covered: the standard IRDAI exclusion codes Excl04 to Excl18 and the product's own permanent exclusions. Excl01 to Excl03 are waiting periods, not permanent exclusions.","status":"quote-verified","value":["War or any act of war","breach of law with criminal intent, or intentional self injury or attempted suicide","naval, military or air force operation, racing, diving, aviation, scuba diving, parachuting, hang-gliding, rock or mountain climbing","The abuse or the consequences of the abuse of intoxicants or hallucinogenic substances","Treatment of Obesity and any weight control program.","Psychiatric, mental disorders (including mental health treatments)","Venereal disease, sexually transmitted disease or illness; “AIDS”","Pregnancy (including voluntary termination), miscarriage","Sterility, treatment whether to effect or to treat infertility","Dental treatment and surgery of any kind, unless requiring Hospitalisation","Treatment and supplies for analysis and adjustments of spinal subluxation","Treatment of nasal concha resection","Plastic surgery or cosmetic surgery","Experimental, investigational or unproven treatment","Convalescence, cure, rest cure, sanatorium treatment, rehabilitation measures","Any non allopathic treatment","All preventive care, vaccination including inoculation and immunisations","Items of personal comfort and convenience","Artificial limbs, crutches or any other external appliance","Any non medical expenses"],"display":"War, criminal acts/self injury, hazardous activities, intoxicants, obesity, mental disorders, venereal disease/AIDS, pregnancy, infertility, non-hospital dental, spinal manipulation, nasal concha resection, cosmetic surgery, unproven treatment, convalescence, non-allopathic treatment, preventive care, personal comfort items, external appliances and non-medical expenses","note":"Some exclusions have exceptions where expressly covered in the policy, such as accident dental treatment, organ donor treatment, AYUSH and post-bite vaccination.","quote":"War or any act of war ... Any Insured Person committing or attempting to commit a breach of law with criminal intent, or intentional self injury or attempted suicide while sane or insane. ... Any Insured Person’s participation or involvement in naval, military or air force operation, racing, diving, aviation, scuba diving, parachuting, hang-gliding, rock or mountain climbing. ... The abuse or the consequences of the abuse of intoxicants or hallucinogenic substances ... Treatment of Obesity and any weight control program. ... Psychiatric, mental disorders (including mental health treatments) ... Venereal disease, sexually transmitted disease or illness; “AIDS” ... Pregnancy (including voluntary termination), miscarriage ... Sterility, treatment whether to effect or to treat infertility ... Dental treatment and surgery of any kind, unless requiring Hospitalisation. ... Treatment and supplies for analysis and adjustments of spinal subluxation ... Treatment of nasal concha resection ... Plastic surgery or cosmetic surgery ... Experimental, investigational or unproven treatment ... Convalescence, cure, rest cure, sanatorium treatment, rehabilitation measures ... Any non allopathic treatment. ... All preventive care, vaccination including inoculation and immunisations ... Items of personal comfort and convenience ... Artificial limbs, crutches or any other external appliance ... Any non medical expenses (list enclosed)","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/mediprime-tathlip12001v011112/document/17186#c-s1"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"If you terminate the policy and no claim has been made, refund is according to the short-period table: for a 1 year policy, 75% up to 1 month, 50% up to 3 months, 25% up to 6 months and nil after 6 months; for a 2 year policy, 87.50% up to 1 month, 75.00% up to 3 months, 62.50% up to 6 months, 50.00% up to 12 months, 37.50% up to 15 months, 25.00% up to 18 months and nil after 18 months.","display":"No-claim cancellation refund: 1 year policy 75%/50%/25%/Nil; 2 year policy 87.50%/75.00%/62.50%/50.00%/37.50%/25.00%/Nil by duration","note":null,"quote":"You may terminate this Policy at any time by giving Us written notice, and the Policy shall terminate when such written notice is received. If no claim has been made under the Policy, then We will refund premium in accordance with the table below: ... 1 Year Policy | 2 Year Policy ... Upto 1 Month | 75.00% | Upto 1 Month | 87.50% ... Upto 3 Months | 50.00% | Upto 3 Months | 75.00% ... Upto 6 Months | 25.00% | Upto 6 Months | 62.50% ... Exceeding 6 Months | Nil | Upto 12 Months | 50.00% ... Upto 15 Months | 37.50% ... Upto 18 Months | 25.00% ... Exceeding 18 Months | Nil","sources":[{"clause":"5(vi)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/mediprime-tathlip12001v011112/document/17186#c-5-vi"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"quote-verified","value":"The policy covers medical treatment taken within India, and payments are made in Indian Rupees within India.","display":"India only","note":null,"quote":"This Policy only covers medical treatment taken within India, and payments under this Policy shall only be made in Indian Rupees within India.","sources":[{"clause":"5(vi)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/mediprime-tathlip12001v011112/document/17186#c-5-vi"}],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Days after you receive the policy in which you can return it for a refund if you do not agree with its terms.","status":"quote-verified","value":{"unit":"days","amount":15},"display":"15 days","note":"Free look is not applicable at renewal and is available only if no claim has been made.","quote":"You have a period of 15 days from the date of receipt of the Policy document to review the terms and conditions of this Policy.","sources":[{"clause":"5(vi)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/mediprime-tathlip12001v011112/document/17186#c-5-vi"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grace_period","label":"Grace period","section":"Renewal and rights","meaning":"Days you get after the due date to pay without losing cover or continuity.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":null,"quote":"A Grace Period of 30 days for renewing the Policy is provided under this Policy.","sources":[{"clause":"5(vi)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/mediprime-tathlip12001v011112/document/17186#c-5-vi"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 9","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 8","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.2","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.3","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"quote-verified","value":"Persons aged 5 years onwards can be covered, with dependent children between 91 days and 5 years only when both parents are insured. The maximum entry age is 65 years.","display":"5 years onwards; dependent children 91 days to 5 years only with both parents insured; maximum entry age 65 years","note":"From the prospectus.","quote":"This policy covers persons in the age group 5 years onwards (Dependent children between 91 days and 5 years can be insured only when both parents are getting insured). The maximum entry age is 65 years.","sources":[{"clause":null,"heading":"MediPrime - Prospectus","page":1,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/mediprime-tathlip12001v011112/document/17031#c-mediprime-prospectus"}],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"optional_covers","label":"Optional covers","section":"Cover","meaning":"Covers you can add for an extra premium. They change the answers above only if you buy them.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"grace_cover","label":"Cover during the grace period","section":"Renewal and rights","meaning":"Whether a claim during the grace period is paid.","status":"quote-verified","value":"Coverage is not available for the period for which no premium is received. Any disease or condition contracted in the break in period will not be covered and will be treated as pre-existing for the renewed and subsequent policy period.","display":"No coverage for the unpaid period","note":null,"quote":"Coverage is not available for the period for which no premium is received. ... Any disease/ condition contracted in the break in period will not be covered and will be treated as Pre-existing condition for the renewed and subsequent Policy period.","sources":[{"clause":"Def. 17","heading":"Grace Period","page":15,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/mediprime-tathlip12001v011112/document/17186#c-def-17"},{"clause":"5(vi)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/mediprime-tathlip12001v011112/document/17186#c-5-vi"}],"law":[]},{"key":"room_rent","label":"Room rent limit","section":"Limits and co-pay","meaning":"The most the policy pays per day for the hospital room, or the room category allowed. If you take a costlier room, other bills can be cut in proportion.","status":"quote-verified","value":"Room rent and boarding expenses are covered under in-patient treatment, subject to the Sum Insured.","display":"Room rent and boarding expenses covered, subject to Sum Insured","note":"No separate per-day room rent sub-limit is stated in the policy wording extracted.","quote":"Tata AIG General Insurance Company Limited will provide the insurance cover detailed in the Policy to the Insured Person up to the Sum Insured ... In-patient Treatment The Medical Expenses for: i) Room rent, boarding expenses,","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/mediprime-tathlip12001v011112/document/17186#c-s1"}],"law":[]},{"key":"room_category","label":"Room category allowed","section":"Limits and co-pay","meaning":"Shared room, single private room or any room, by plan, when the limit is a room type rather than a rupee amount.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"icu_limit","label":"ICU limit","section":"Limits and co-pay","meaning":"The most the policy pays per day for intensive care.","status":"quote-verified","value":"Intensive care unit expenses are covered under in-patient treatment, subject to the Sum Insured.","display":"ICU covered, subject to Sum Insured","note":"No separate per-day ICU sub-limit is stated in the policy wording extracted.","quote":"Tata AIG General Insurance Company Limited will provide the insurance cover detailed in the Policy to the Insured Person up to the Sum Insured ... In-patient Treatment The Medical Expenses for: ... iii) Intensive care unit,","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/mediprime-tathlip12001v011112/document/17186#c-s1"}],"law":[]},{"key":"proportionate_deduction","label":"Proportionate deduction","section":"Limits and co-pay","meaning":"If you choose a room above your limit, whether the insurer reduces associated charges (doctor fees, tests, procedures) by the same proportion.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"copay","label":"Co-payment","section":"Limits and co-pay","meaning":"The share of every admissible claim you pay yourself, and when it applies (age, zone, choice of hospital).","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"deductible","label":"Deductible","section":"Limits and co-pay","meaning":"An amount of each claim or each year that you bear before the policy pays.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"disease_sublimits","label":"Disease or procedure sub-limits","section":"Limits and co-pay","meaning":"Caps on what is paid for named treatments (cataract, knee replacement...), even if the sum insured is higher.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"pre_hospitalisation","label":"Pre-hospitalisation cover","section":"Cover","meaning":"Medical costs in the days before admission that are paid if related to the hospitalisation.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days; 60 days if documents are provided at least 5 days before Hospitalisation","note":"The 60 days extension requires medical documents with illness details and date/place of proposed hospitalisation at least 5 days before hospitalisation.","quote":"The Medical Expenses incurred in the 30 days immediately before the Insured Person was Hospitalised ... We will pay the Medical Expenses incurred within the 60 days prior to the date of Hospitalisation, if We are provided with the following at least 5 days before the Hospitalisation","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/mediprime-tathlip12001v011112/document/17186#c-s1"}],"law":[]},{"key":"post_hospitalisation","label":"Post-hospitalisation cover","section":"Cover","meaning":"Medical costs in the days after discharge that are paid if related to the hospitalisation.","status":"quote-verified","value":{"unit":"days","amount":60},"display":"60 days; 90 days if documents are provided at least 5 days before Hospitalisation","note":"The 90 days extension requires medical documents with illness details and date/place of proposed hospitalisation at least 5 days before hospitalisation.","quote":"The Medical Expenses incurred in the 60 days immediately after the Insured Person was discharged post Hospitalisation ... We will pay the Medical Expenses in the 90 days immediately after the Insured Person was discharged if We were provided with the following at least 5 days before the Hospitalisation","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/mediprime-tathlip12001v011112/document/17186#c-s1"}],"law":[]},{"key":"day_care","label":"Day-care treatments","section":"Cover","meaning":"Treatments needing less than 24 hours in hospital (chemotherapy, dialysis, cataract) and whether all or only listed ones are covered.","status":"quote-verified","value":"Day care procedures mentioned in the policy list are covered when taken as an inpatient for less than 24 hours in a hospital or standalone day care centre, but not in the outpatient department.","display":"Listed day care procedures covered for less than 24 hours; OPD not covered as day care","note":null,"quote":"The Medical Expenses for a day care procedure mentioned in the list of Day Care Procedures in this Policy where the procedure or surgery is taken by the Insured Person as an inpatient for less than 24 hours in a Hospital or standalone day care centre but not the outpatient department of a Hospital or standalone day care centre. ... Day Care Procedures will include following Day Care Surgeries & Day Care Treatments","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/mediprime-tathlip12001v011112/document/17186#c-s1"},{"clause":"Appendix I","heading":"Day Care Procedure","page":22,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/mediprime-tathlip12001v011112/document/17186#c-appendix-i"}],"law":[]},{"key":"domiciliary","label":"Treatment at home","section":"Cover","meaning":"Whether treatment at home is covered when hospital admission is not possible or a doctor advises it.","status":"quote-verified","value":"Domiciliary treatment is covered when treatment at home would otherwise have required hospitalisation because a doctor says the insured person cannot be transferred to hospital or a hospital bed is unavailable, and the condition continues for at least 3 days.","display":"Covered if hospitalisation was otherwise needed, transfer is not possible or bed unavailable, and condition continues at least 3 days","note":"Listed conditions such as asthma, arthritis, diabetes, hypertension and psychiatric or psychosomatic disorders are not payable under domiciliary treatment.","quote":"The Medical Expenses incurred by an Insured Person for medical treatment taken at his home which would otherwise have required Hospitalisation because, on the advice of the attending Medical Practitioner, the Insured Person could not be transferred to a Hospital or a Hospital bed was unavailable, and provided that: i) The condition for which the medical treatment is required continues for at least 3 days","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/mediprime-tathlip12001v011112/document/17186#c-s1"}],"law":[]},{"key":"ayush","label":"AYUSH treatment","section":"Cover","meaning":"Ayurveda, Yoga, Unani, Siddha and Homeopathy treatment in a recognised hospital, and any limit.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Guidelines on providing AYUSH coverage in Health Insurance policies, 2024","section":"Para 1","url":"https://indiainsurances.com/law/irdai-ayush-2024"},{"title":"Guidelines on providing AYUSH coverage in Health Insurance policies, 2024","section":"Para 2","url":"https://indiainsurances.com/law/irdai-ayush-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 1","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch II A.I(1)","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 5","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"modern_treatments","label":"Modern treatments","section":"Cover","meaning":"Robotic surgery, immunotherapy, oral chemotherapy, stem cell therapy and the like, and any cap on them.","status":"quote-verified","value":"Radiotherapy for Cancer and Cancer Chemotherapy are listed as day care procedures. Stem cell implantation or surgery is excluded.","display":"Radiotherapy for Cancer and Cancer Chemotherapy listed as day care; stem cell implantation or surgery excluded","note":"No statement found for robotic surgery, immunotherapy or oral chemotherapy.","quote":"139. Radiotherapy for Cancer 140. Cancer Chemotherapy ... Psychiatric, mental disorders (including mental health treatments); Parkinson and Alzheimer’s disease; general debility or exhaustion (“run-down condition”); congenital internal or external diseases, defects or anomalies; genetic disorders; stem cell implantation or surgery; or growth hormone therapy; sleep-apnoea.","sources":[{"clause":"99","heading":"Operations on Bartholin’s glands (cyst)","page":25,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/mediprime-tathlip12001v011112/document/17186#c-99"},{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/mediprime-tathlip12001v011112/document/17186#c-s1"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 2","url":"https://indiainsurances.com/law/irdai-health-mc-2024"}]},{"key":"organ_donor","label":"Organ donor expenses","section":"Cover","meaning":"Whether the donor's hospital costs for an organ transplant are paid.","status":"quote-verified","value":"Organ donor expenses are covered for the donor's treatment for harvesting the donated organ, where the organ is for the insured person and the transplant law requirements are met. Donor pre- and post-hospitalisation expenses and other consequent donor treatment are not covered.","display":"Covered for organ harvesting; donor pre/post-hospitalisation not covered","note":null,"quote":"The Medical Expenses for an organ donor’s treatment for the harvesting of the organ donated, provided that: i) The organ donor is any person whose organ has been made available in accordance and in compliance with the Transplantation of Human Organs Act 1994 and the organ donated is for the use of the Insured Person, and ii) We will not pay the donor’s pre- and post-hospitalisation expenses or any other medical treatment for the donor consequent on the harvesting","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/mediprime-tathlip12001v011112/document/17186#c-s1"}],"law":[]},{"key":"ambulance","label":"Ambulance cover","section":"Cover","meaning":"Road (and air) ambulance cover and its limit.","status":"quote-verified","value":"Emergency ambulance expenses are reimbursed up to Rs. 2,500 per hospitalisation for transfer to the nearest hospital with adequate emergency facilities, and also for transfer from one hospital to the nearest hospital prepared to admit the insured person when medically necessary.","display":"Emergency ambulance up to Rs. 2,500 per Hospitalisation","note":null,"quote":"Emergency Ambulance We will reimburse the expenses incurred on an ambulance offered by a healthcare or ambulance service provider used to transfer the Insured Person to the nearest Hospital with adequate emergency facilities ... Our maximum liability shall be restricted to Rs. 2,500 per Hospitalisation ... The coverage includes the cost of the transportation of the Insured Person from a Hospital to the nearest Hospital which is prepared to admit the Insured Person","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/mediprime-tathlip12001v011112/document/17186#c-s1"}],"law":[]},{"key":"restoration","label":"Restoration of sum insured","section":"Cover","meaning":"Whether the sum insured is refilled after it is used up in a year, how much, how often, and whether it works for the same illness.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"no_claim_bonus","label":"No-claim or cumulative bonus","section":"Cover","meaning":"How much the cover grows each year, the maximum, whether it depends on not claiming, and what happens after a claim.","status":"quote-verified","value":"If no Section 1 claim is made and the policy is renewed without break, the sum insured for the next policy year is increased by 10% of the current sum insured. The maximum cumulative bonus is 50% of the sum insured, and after a claim the bonus decreases by 10% of the sum insured in the following policy year.","display":"10% per claim-free year, maximum 50%; reduced by 10% after a claim","note":null,"quote":"If no claim has been made in respect of Section 1 under this Policy and the Policy is renewed with Us without any break, We will apply a cumulative bonus to the next Policy Year by automatically increasing the Sum Insured for the next Policy Year by 10% of the Sum Insured for this Policy Year. The maximum cumulative bonus shall not exceed 50% of the Sum Insured in any Policy Year. ... If a cumulative bonus has been applied and a claim is made, then in the subsequent Policy Year We will automatically decrease the cumulative bonus by 10% of the Sum Insured in that following Policy Year.","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/mediprime-tathlip12001v011112/document/17186#c-s1"}],"law":[]},{"key":"consumables","label":"Consumables and non-medical items","section":"Cover","meaning":"Gloves, PPE, syringes and other items hospitals bill that standard policies exclude; whether this policy pays them.","status":"quote-verified","value":"Medicines, drugs and consumables are covered under in-patient treatment, but non-medical expenses are excluded.","display":"Medicines, drugs and consumables covered; non-medical expenses excluded","note":null,"quote":"In-patient Treatment The Medical Expenses for: ... vi) Medicines, drugs and consumables, ... Any non medical expenses (list enclosed)","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/mediprime-tathlip12001v011112/document/17186#c-s1"}],"law":[]},{"key":"maternity","label":"Maternity cover","section":"Cover","meaning":"Whether childbirth costs are covered, the limit and the waiting period.","status":"quote-verified","value":"Pregnancy, maternity or birth are excluded, including voluntary termination, miscarriage and caesarean section, except ectopic pregnancy in relation to in-patient treatment.","display":"Excluded, except ectopic pregnancy for in-patient treatment","note":null,"quote":"Pregnancy (including voluntary termination), miscarriage (except as a result of an Accident or Illness), maternity or birth (including caesarean section) except in the case of ectopic pregnancy in relation to 1)a) only.","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/mediprime-tathlip12001v011112/document/17186#c-s1"}],"law":[]},{"key":"newborn","label":"Newborn baby cover","section":"Cover","meaning":"Whether a newborn is covered from birth and for what.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"mental_illness","label":"Mental illness","section":"Cover","meaning":"Cover for in-patient treatment of mental illness.","status":"quote-verified","value":"Psychiatric and mental disorders, including mental health treatments, are excluded.","display":"Excluded","note":null,"quote":"Psychiatric, mental disorders (including mental health treatments); Parkinson and Alzheimer’s disease; general debility or exhaustion (“run-down condition”); congenital internal or external diseases, defects or anomalies; genetic disorders; stem cell implantation or surgery; or growth hormone therapy; sleep-apnoea.","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/mediprime-tathlip12001v011112/document/17186#c-s1"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 3","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch III I","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"The Mental Healthcare Act, 2017","section":"Section 21(4)","url":"https://indiainsurances.com/law/mental-healthcare-act-2017"},{"title":"The Mental Healthcare Act, 2017","section":"Section 2(1)(s)","url":"https://indiainsurances.com/law/mental-healthcare-act-2017"},{"title":"The Mental Healthcare Act, 2017","section":"Section 21(1)","url":"https://indiainsurances.com/law/mental-healthcare-act-2017"}]},{"key":"health_checkup","label":"Health check-up","section":"Cover","meaning":"Free preventive check-ups and how often.","status":"quote-verified","value":"At the end of every continuous four claim-free years, the policy pays up to 1% of the sum insured subject to a maximum of Rs. 5000 per insured person towards a medical check-up.","display":"Once at the end of every continuous four claim free years, up to 1% of Sum Insured, maximum Rs. 5000 per Insured Person","note":"For family floater, if any member has made a claim, the health check-up benefit will not be offered to the whole family.","quote":"at the end of a block of every continuous four claim free years We will pay upto 1% of the Sum Insured subject to maximum of Rs. 5000 per Insured Person for this Policy Year or the subsequent Policy Years (whichever is lower) towards the cost of a medical check-up","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/mediprime-tathlip12001v011112/document/17186#c-s1"}],"law":[]},{"key":"opd","label":"Out-patient (OPD) cover","section":"Cover","meaning":"Doctor consultations, tests and medicines without admission, and the limit.","status":"quote-verified","value":"The stated outpatient covers are outpatient dental treatment after an accident up to Rs 5,000 or Rs 7,500 by sum insured, and outpatient vaccination in case of post-bite treatment up to Rs 5,000.","display":"Outpatient dental after accident up to Rs 5,000 or Rs 7,500; outpatient post-bite vaccination up to Rs 5,000","note":"No general OPD consultation, tests or medicines cover is stated.","quote":"Outpatient Dental treatment – Upto Rs 5,000. | Inpatient Dental treatment – Upto 100% of In-patient Treatment Sum Insured. Outpatient Dental treatment – Upto Rs 7,500. ... Outpatient Vaccination - Upto Rs 5,000 | Inpatient treatment – Upto 100% of In-patient Treatment Sum Insured. Outpatient Vaccination - Upto Rs 5,000","sources":[{"clause":null,"heading":"Schedule of Benefits – Medi Prime Individual","page":26,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/mediprime-tathlip12001v011112/document/17186#c-schedule-of-benefits-medi-prime-individual"}],"law":[]},{"key":"zone_pricing","label":"Zone or city-based premium","section":"Premium","meaning":"Whether premium or co-pay depends on the city you are treated in.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"cashless","label":"Cashless treatment","section":"Claims","meaning":"Whether and where the insurer pays the hospital directly instead of you paying and claiming back.","status":"quote-verified","value":"Cashless service is available at network hospitals, where the insurer pays the network hospital directly to the extent of its liability. Notice is required at least 48 hours before planned treatment or within 24 hours after emergency treatment or hospitalisation.","display":"Cashless at Network Hospital; insurer pays directly to Network Hospital","note":null,"quote":"Treatment, Consultation or Procedure Taken at: | Cashless Service is Available: ... Network Hospital | We will provide cashless service by making payment to the extent of Our liability directly to the Network Hospital. | At least 48 hours before the planned treatment or Hospitalisation ... Network Hospital | We will provide cashless service by making payment to the extent of Our liability directly to the Network Hospital. | Within 24 hours after the treatment or Hospitalisation","sources":[{"clause":"5","heading":null,"page":8,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/mediprime-tathlip12001v011112/document/17186#c-5"}],"law":[]},{"key":"claims_handled_by","label":"Claims handled by","section":"Claims","meaning":"The insurer itself or a third-party administrator (TPA).","status":"quote-verified","value":"Claims are handled through the appointed TPA. The policy's claim contact is Family Health Plan (TPA) Ltd.","display":"Family Health Plan (TPA) Ltd","note":null,"quote":"TPA means the third party administrator that We appoint from time to time as specified in the Schedule. ... For any claim related query, intimation of claim and submission of claim related documents, You can contact Your TPA through: ... Family Health Plan (TPA) Ltd","sources":[{"clause":"Def. 51","heading":"TPA","page":18,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/mediprime-tathlip12001v011112/document/17186#c-def-51"},{"clause":"Def. 53","heading":"You/Your/Policyholder","page":18,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/mediprime-tathlip12001v011112/document/17186#c-def-53"}],"law":[]},{"key":"family_floater","label":"Family floater available","section":"Cover","meaning":"Whether one sum insured can be shared by the whole family.","status":"quote-verified","value":true,"display":"Yes, family floater basis","note":"The policy also has an individual schedule of benefits.","quote":"The policy offers coverage on family floater basis.","sources":[{"clause":null,"heading":"MediPrime - Prospectus","page":1,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/mediprime-tathlip12001v011112/document/17031#c-mediprime-prospectus"}],"law":[]}],"documents":[{"kind":"wording","label":"Policy wording","pages":29,"fetched_at":"2026-10-17 20:23:13+00","source_url":"https://www.tataaig.com/s3/mediprime_policy_wordings_4eaf0268e1.pdf","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/mediprime-tathlip12001v011112/document/17186"},{"kind":"wording","label":"Mediprime (IRDAI copy)","pages":24,"fetched_at":"2026-10-20 02:22:47+00","source_url":"https://irdai.gov.in/documents/37343/931203/MediPrime_2013-2014.pdf/05aff39a-50a4-0faf-5dd3-831b5f246d0d?version=1.1&t=1668338825402&download=true","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/mediprime-tathlip12001v011112/document/28165"},{"kind":"prospectus","label":"Prospectus","pages":11,"fetched_at":"2026-10-17 20:14:45+00","source_url":"https://www.tataaig.com/s3/mediprime_prospectus_7c99cc64d3.pdf","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/mediprime-tathlip12001v011112/document/17031"},{"kind":"premium","label":"Tariff Chart","pages":null,"fetched_at":"2026-10-17 20:08:35+00","source_url":"https://www.tataaig.com/s3/mediprime_tariff_sheet_3e39e38c2c.pdf","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/mediprime-tathlip12001v011112/document/31839"}],"versions":[{"uin":"IRDA/NL-HLT/TAGI/P-H/V.I/34/13-14","version":null,"approved_on":null},{"uin":"TATHLIP12001V011112","version":null,"approved_on":null}],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Tata AIG General Insurance official website","url":"https://www.tataaig.com/","note":"Buy directly from the insurer."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"insurer","name":"Claims process","url":"https://www.tataaig.com/claims-process","note":null},{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"insurer","name":"Grievance redressal policy","url":"https://www.tataaig.com/grievance-redressal-policy","note":null},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"Mediprime (UIN TATHLIP12001V011112), IndiaInsurances, https://indiainsurances.com/policy/tata-aig-general-insurance/mediprime-tathlip12001v011112"}