Mediclaim 2012 - Individual ( Old)

Mediclaim 2012 is atraditional mediclaim policy which is designed to cover hospitalization expenses for the persons aged between 18 and 65 Years

Highlight:

• Additional 10% of Sum Insured is paid once in life time in case of Critical Illness.
• Sum Insured can be enhanced at the time of Renewal of the Policy
• More than 70 Day Care Treatments are covered under this Policy
• 25% of Sum Insured available for Non-Allopathic Treatment
• Hospitalization due to accident is covered from Day 1
• Congenital External Disease shall be covered after 48 Months of Continuous Coverage
• Max. Rs.30,000 or Actual costs shall be paid for expenses related to Cataract.

Benefit:

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