I feel personally it is very good scheme offered by a LIC. Though you feel it is not convenient to make a claim you should know how to settle a claim.
The best way to get (valid claim) early clearance of your claim is stick to one LIC career agent he will help you. I have been under this scheme and I have insured whole of my family and I feel very secured. I have also it is hassle feel claim settlement. I have recommended and my friends are also of the same opinion. I rate this very high and I feel though there is competition in the field I would like to stick LIC mediclaim.