Health and Accident Cell of AMC is a jewel in the crown of AMC. This scheme was started about 25 years ago by our then President & Managing Trustee Late Dr. Mahendra Sheth and Past President & Trustee Dr. Prabhakar Rao. Their herculean efforts resulted in formation of this invaluable asset for AMC.

This is a tailor made policy to suit the needs of our esteemed members. Unlike the common mediclaims, following features are significantly attractive for our members.

• No preinsurance health check-up is required.
• Fresh membership is allowed in the age of 79 years and if unbroken continues for life.
• Costly investigations i.e. MRI, CT Scan etc. are honoured without hospitalization.
• Day care procedures are taken care of.
• Procedures to correct functional disability are covered.
• Bed charge 1.5% in ward and 2.5% in ICU is permitted for CSI of 5 Lakhs and over.
• Anti VEGF injections are reimbursable to some extent.
• No claim Bonus is available in premia to some extent.
• No co-payment till the age of 55 years.
• No loading after the claims in your premia.
• The decision of scrutiny committee of H&A is final in claim settlements.

However, due to constraints and to avoid misuse certain cases like joint replacement, kidney problems, morbid obesity and robotic surgery have certain capping for the expenditure.
All preexisting diseases are covered after a waiting period of 2 to 3 years after joining.

Capital Sum Insured is permitted upto 15 Lakhs. Cashless services are readily available.

Domiciliary treatment is not covered except in few cases. Nursing charges are payable if administered by qualified degree holder nurse, as advised by the physician. Physiotherapy charges during hospitalization and in physiotherapy institute are covered upto 5% of CSI.

Cataract surgeries are covered to a high charges level as per the CSI.

Our premia at all age groups are comparable to most insurance companies. Premia are much lower for Senior Citizens as a gesture of our social responsibility.

Accident cover is allowed in multiple times of lakhs for minimal premia.

Dedicated staff in AMC office and over 18 agents are available round the clock for service to our members.

Non medical dependents are also covered with reasonable premia.

Do avail of this stupendous facility offered by AMC to safeguard you and your family’s health.

TEAM H&A CELL – AMC MUMBAI

President – Dr. Vivek Dwivedi

Hon. Secretary – Dr. Vikrant Desai

Chairman – Dr. Smita Sharma

Advisor – Dr. Suhas Kate

Convenor – Dr. Jayesh Shah

Co-convenor - Dr. Ajay Hariani