Mediclaim 2012 is a traditional mediclaim policy which is designed to cover hospitalization expenses for the persons aged between 18 and 65 Years
Title |
Description |
Additional Cover for Critical Illness |
Optional, for age below 65 |
Ambulance Expenses |
Up to 1% of Sum Insured |
Daily Hospitalization Allowance |
Up to 0.1% of sum insured, for sum insured 300000 and above |
Day Care Procedure Coverage |
Yes |
Donor Expenses |
Covered |
Free Health Checkup |
After 3 claim free years, Max - 5000 |
ICU Daily Rent Limit |
Up to 3% of sum insured. |
Minimum Hospitalization Period |
24 Hrs |
No Claim Bonus |
Yes |
No Claim Discount |
Upto 3% per year and max upto 15% |
Non-Allopathic Treatments |
Up to 25% of sum insured |
Nursing Allowance |
Max 1% of sum insured |
Post Hospitalization Expenses |
60 days |
Pre-Existing Disease / Illness coverage |
After48 months |
Pre-Hospitalization Expenses |
30 days |
Room Rent Limit |
Up to 1.5% of sum insured |
Waiting Period for New Policy |
30 days |