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.

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.


President – Prof. (Dr.) Sushmita Bhatnagar


  • Covers your practice anywhere in India, Jurisdiction is Worldwide
  • Cases under SMCs, MCls, NHRC, CCI, SHRC, Civil Surgeon & any respective government authority is covered
  • Defence costs for criminal cases arising out of medical accidents, mishaps operative deaths etc. covered for the 1st time.
  • Legal Fee and Pre-litigation cost covered
  • Cover for both qualified and unqualified staff.
  • Cashless service for payment to advocates.
  • Expenses for doctor’s travel by air + stay for visit to National Commission covered.
  • Retroactive date cover.
  • Cosmetic Procedure, Cosmetic surgery, Lasik surgery & Radioactive treatment cases of medical negligence covered at extra premium.
  • Provision of renewing the policy and restoring retroactive date post the due date but within 6 months by payment of 25% penalty.
  • 25% Additional limit approved by AMC without any loading on the existing premium.
  • Cashless claim settlement.
  • 30+ years of service excellence.
  • AMC has introduced a Run-Off Cover for retiring doctors and terminating establishments.

AMC – Medico Legal Cell

  • Out of court settlement up to 5 Lacs covered on advice of AMC Medico Legal Cell.
  • Panel of Advocates – AMC medico legal cell to handle cases and not Insurer’s Advocate.
  • Defence costs for criminal cases arising out of medical accidents, mishaps operative deaths etc. covered for the 1st time.
  • 100% Legal assistance.
  • In- house setup for claim assistance and service with zero cost.
  • This cell constitutes of experienced & highly knowledgeable professionals.