Mtwealth

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
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