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New India

TPA Information

Mediclaim 2012 - Individual ( Old)


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.


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
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
Nursing Allowance
Max 1% of sum insured
No Claim Discount
Upto 3% per year and max upto 15%
No Claim Bonus
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