Mediclaim 2012 - Individual ( Old)
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Mediclaim 2012 is a traditional mediclaim policy which is designed to cover hospitalization expenses for the persons aged between 18 and 65 Years


  • 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.
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