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About this Service

Axis Bank has tied up with TATA AIG General Insurance Company Limited, where our Credit Card Customers get the opportunity to enroll themselves in a Group Health Insurance policy. It is a paperless process and would not require physical application form filling by the customers. KYC verification is not required for on-boarding customers in this process.

All the credit card customers of the bank are eligible for this policy.

Tata AIG Group MediPrime is a health insurance product which provides cover for cashless and reimbursement of hospitalization expenses. The entry Age for Self & Spouse is 18 Years to 55 years and entry age for Children is 91 days. Dependent & unmarried children can be proposed under the Family floater plan along with parents up to the age of 25 years.

Group Mediprime offers the following benefits:

In-patient treatment
If any Insured Person suffers from an Illness or Accident during the Policy period that requires Insured Person’s Hospitalization as an inpatient, then Tata AIG will pay for the benefits:

  • Room rent, boarding expenses, Nursing, Intensive care unit, A Medical Practitioner, Anesthesia, blood, oxygen, operation theatre charges, surgical appliances, Medicines, drugs and consumables, Diagnostic procedures,
  • The cost of prosthetic and other devices or equipment if implanted internally during a Surgical Procedure.

Pre/post hospitalization

  • It includes medical Expenses incurred within 30 days immediately before the Insured Person is hospitalized & 60 days immediately after the insured person is discharged

Day Care Procedure

  • Day Care procedures are surgeries or procedures which are undertaken by the insured person as an inpatient for less than 24 hours in a hospital
  • Group MediPrime covers the medical expense for a wide range of listed 140 Day care procedures, like Cancer Chemo & Radiation Therapy, Coronary Angiography, Hemodialysis, and Cataract.

Critical Illness Cover
For sum insured of Rs XXXX (basis customer consent), the following 8 Critical Illnesses will be covered

  • Cancer of specified severity
  • Open Chest CABG
  • First heart Attack of specified severity
  • Kidney Failure requiring regular dialysis
  • Major organ/Bone Marrow Transplantation
  • Multiple Sclerosis with persisting symptoms
  • Permanent Paralysis of limbs
  • Stroke resulting in permanent Symptoms

On the first year anniversary, depending upon the policies due for renewal, customers would be called and consent would be taken on whether they would like to renew the policy/continue with the policy

Terms & Conditions

Condition precedent
The policy premium can either be paid in lump sum or an EMI option can also be availed. The EMI tenor would be 3, 6, 9 & 12 months. The premium for the policy will remain the same for the policy period as mentioned in the policy schedule.

This Policy only covers medical treatment taken within India. All payments under this Policy will only be made in Indian Rupees within India.

A person shall be eligible to become an Insured Person if he is not younger than 91 days. However, there is no maximum age limit.

Insured Person
Only those named as an Insured Person in the Schedule shall be covered under this Policy. Any person may be added during the Policy Period after his application has been accepted by TATA-AIG and an additional premium has been paid for the same. TATA-AIG will issue an endorsement confirming the addition of such person as an Insured Person in the Schedule.

Notification of Claim

If any treatment for which a claim may be made is to be taken and that treatment requires Hospitalization 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 Hospitalization in an Emergency Within 24 hours of the Insured Person’s admission to Hospital.

If any claim is in any manner dishonest or fraudulent, or is supported by any dishonest or fraudulent means or devices, then this Policy shall be void and all benefits paid under it shall be forfeited.

Supporting Documents & Examination
The Insured Person shall provide TATA-AIG with any documentation and information. TATA-AIG may request to establish the circumstances of the claim, its quantum or the liability for the claim within 30 days or earlier of your request or the Insured Person’s discharge from Hospitalization or completion of treatment.
TATA-AIG accepts claims where documents have been provided after a delayed interval only in special circumstances and for the reasons beyond the control of the insured.

Alterations to the Policy
This Policy by TATA-AIG constitutes the complete contract of insurance. This Policy cannot be changed or varied by any one (including an insurance agent or broker) except TATA-AIG, and any change made will be evidenced by a written endorsement signed and stamped by TATA-AIG.

The customer may terminate this Policy at any time by giving TATA-AIG a written notice and will be terminated once received. If no claim has been made under this Policy, then TATA-AIG will refund premium in accordance with the table below:

Length of Time Policy is in Force Refund of Premium
Up to 1 month 75%
Up to 3 months 50%
Up to 6 months 25%
Exceeding 6 months 0%

Free Look up Period
The customer has a period of 15 days from the date of receipt of the Policy document to review the terms and conditions of this Policy. If the customer has any objections to any of the terms and conditions, he/she has the option of cancelling the Policy stating the reasons for cancellation and the premium will be refunded after adjusting the amounts spent on any medical check-up, stamp duty charges and proportionate risk premium.

The customer can cancel the Policy only if he/she has not made any claims under the Policy. Free look provision is not applicable and available at the time of renewal of the Policy.

Dispute Resolution Clause
Any and all disputes or differences under or in relation to the Policy taken by the customer shall be determined by the Indian Court and subject to Indian law.

How to Apply

To know more, SMS “GIC” followed by the last four digits of your Credit Card Number to 5676782.


On the first year anniversary, depending upon the policies due for renewal, customers would be called and consent would be taken on whether they would like to renew the policy/continue with the policy.