Mediclaim Individual
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This is a basic health insurance policy which covers medical expenses incurred by a person due to illness, injury or accident and requires sudden or planned hospitalization for treatment or surgery.


  • This policy covers the citizens up to the age of 80 years.
  • No Medical Check-up required up to the age of 45 Years.
  • Domiciliary Hospitalization benefit is provided.
  • It covers Treatment expenses up to 60 days after being discharged from the Hospital
  • Tax rebate available as per provision of Income Tax Rules under section 80-D
Title Description
Room Rent Limit Up to 1% of sum insured, Max 5000
ICU Daily Rent Limit Up to 2% of sum insured, Max 10000
Pre-Hospitalization Expenses 30 days
Post Hospitalization Expenses 60 days
Minimum Hospitalization Period 24 Hrs
Day Care Procedure Coverage Yes
Pre-Existing Disease / Illness coverage After 48 months
Waiting Period for New Policy 30 days
Medical Screening Above age 45 years
Free Health Checkup Up to 1% of sum insured, after every 4 claim free years
Ambulance Expenses Up to 1% of sum insured, Max 2000
Nursing Allowance Up to 1 % of sum insured, Max 5000