The Mediclaim premium refers to the amount that the Mediclaim policy holder pays to the insurance company or the Mediclaim Company. The Mediclaim premium may vary from company to company depending upon the number of items that get covered under the Mediclaim policy. The Mediclaim premium generally rises with an increase in the risk perception of the insurance company concerning the particular individual or group.
Thus you might have the cost of the Mediclaim premium increasing for an aged person or for a person having a particular ailment or illness. It is also noticed that the Mediclaim insurance premium rises for smokers as compared to non smokers. There are several Mediclaim premium calculators that you may find online. Basically the Mediclaim premium calculators help you in finding the Mediclaim premium amount that you should ideally be paying. The Mediclaim premium calculator takes your age as an input, your risk cover that you want and the number of people that you may want to be covered under the Mediclaim insurance policy.
The Mediclaim insurance policy cover will give you an approximate figure of the Mediclaim premium amount that you would be charged by the company. Mediclaim insurance premiums though are not the same for several companies offering Mediclaim insurance and hence you will have to inquire with the company whose Mediclaim insurance you want to opt for in order to find the exact Mediclaim premium amount.