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Mint Mediclaim Ratings - Rating Calculation Criteria

Rating scale for non-senior citizens (up to 60 years)


Rating Scale All Ages
Points Weightage
Price 35.00%  
Premium 35.00%  
Top Quartile (cheapest) 1.00 35.00%
2nd quartile 0.75 26.00%
3rd quartile 0.50 18.00%
4th quartile (most expensive) 0.00 0.00%
Product features 45.00%  
Pre-existing exclusion (years) 15.00%  
1 1.00 15.00%
2 0.75 11.25%
3 0.50 7.50%
4 0.25 3.75%
Over 4 years 0.00 0.00%
Sub-limits on room 15.00%  
No 1.00 15.00%
Yes 0.00 0.00%
No-claim bonus 5.00%  
Maximum NCB of 100% or more 1.00 5.00%
Maximum NCB of 50% to 100% 0.75 4.00%
Maximum NCB of 25% to 50% 0.50% 3.00%
Less than 25% 0.00 0.00%
Wellness 2.50%  
No 1.00 5.50%
Yes 1.00 3.00%
No 0.00 0.00%
OPD 2.50%  
Yes 1.00 3.00%
No 0.00 0.00%
Critical illness cover 2.50%  
Yes 1.00 3.00%
No 0.00 0.00%
Restore 2.50%  
Yes 1.00 3.00
No 0.00 0.00%
Claims 20.00%  
Claims settled 15.00%  
95% and higher 1.00 15.00%
85 to 95 % 0.50 8.00%
Less than 85% 0.00 0.00%
Claim complaints per 10,000 claims registered 5.00%  
Less than 30 1.00 5.00%
30 to 60 0.50 2.50%
Over 60 0.00 0.00%
Total 100.00%  

Rating scale for senior citizens (75 years)


Rating Scale All Ages
Points Weightage
Price 30.00%  
Premium 30.00%  
Top Quartile (cheapest) 1.00 30.00%
2nd quartile 0.75 23.00%
3rd quartile 0.50 15.00%
4th quartile (most expensive) 0.00 0.00%
Product features 50.00%  
Pre-existing exclusion (years) 15.00%  
1 1.00 15.00%
2 0.75 11.25%
3 0.50 7.50%
4 0.25 3.75%
Over 4 years 0.00 0.00%
Sub-limits on room 15.00%  
No 1.00 15.00%
Yes 0.00 0.00%
Co-Pay 5.00%  
No 1.00 5.00%
Yes 0.00 0.00%
Disease-wise capping 5.00%  
No 1.00 5.00%
Yes 0.00 0.00%
Disease-wise waiting (years) 5.00%  
1 1.00 5.00%
2 0.75 4.00%
3 1.00 3.00%
4 0.00 0.00%
Wellness 2.50%  
Yes 1.00 3.00%
No 0.00 0.00%
OPD 2.50%  
Yes 1.00 3.00
No 0.00 0.00%
Claims 20.00%  
Claims settled 15.00%  
95% and higher 1.00 15.00%
85 to 95 % 0.50 8.00%
Less than 85% 0.00 0.00%
Claim complaints per 10,000 claims registered 5.00%  
Less than 30 1.00 5.00%
30 to 60 0.50 2.50%
Over 60 0.00 0.00%
Total 100.00%