Objective

To provide financial support to the nominee/family of an IMA member in case of death.

Eligibility

• IMA Life Member
• Age up to 60 years
• Benefit after 1 year (3 years for age 50–60)

Benefits

• Lump sum financial assistance
• Family security

Fee Structure

Age Group	Annual Fee (₹)
Up to 35 years	7,360
36–40 years	9,720
41–45 years	12,080
46–50 years	13,260
51–55 years	16,800
56–60 years	28,600

Documents Required

• IMA Life Membership Certificate
• Aadhaar Card & PAN Card
• Age proof (Birth Certificate/SSLC)
• Nominee details with relationship proof
• Bank account details

Application Process

Objective

National level financial security scheme for IMA members.

Eligibility

• IMA Life Member
• Age up to 60 years
• Above 40 years: minimum 3 years membership

Benefits

• Financial assistance to nominee
• Accident covered from day one
• Natural death coverage after waiting period

Fee Structure

Documents Required

• IMA Life Membership Certificate
• Aadhaar Card & PAN Card
• Medical Registration Certificate
• Nominee details with photo ID
• Medical fitness certificate

Objective

Long-term financial protection for IMA members and their families.

Eligibility

• Age 30–60 years
• Continuous IMA membership for minimum 2 years
• Active medical practice

Benefits

• Financial support to nominee in case of death
• Accidental death benefit
• Disability coverage

Fee Range

Age at Entry	Annual Premium (₹)	Sum Assured (₹)
30-35 years	4,181	5,00,000
36-40 years	6,325	5,00,000
41-45 years	9,845	5,00,000
46-50 years	15,672	5,00,000
51-55 years	21,430	5,00,000
56-60 years	26,601	5,00,000

Objective

Medical reimbursement support for members & spouse during major medical treatments.

Coverage

• Heart surgery (Bypass, Angioplasty, Valve replacement)
• Cancer treatment (Chemotherapy, Radiation, Surgery)
• Renal disease (Dialysis, Kidney transplant)
• Brain hemorrhage (Surgery & Treatment)
• Joint replacement (Hip, Knee)
• Major organ transplant
• Spinal surgery

Reimbursement Process

Objective

Legal protection and financial support against medico-legal cases and consumer complaints.

Coverage

• Professional indemnity up to ₹1 Crore
• Consumer court cases
• Medical negligence claims
• Criminal proceedings related to practice
• Legal consultation fees
• Court appearance expenses

Eligibility

• IMA Life Member
• Practicing doctor with valid registration
• No pending disciplinary actions
• Good standing with medical council

Annual Fees

Category	Annual Fee (₹)	Coverage
MBBS / General Practitioner	1,000	₹50 Lakhs
Specialist / MD/MS	5,000	₹1 Crore
Senior Consultant (10+ years)	7,500	₹1.5 Crore