Hi Ramesh,

In my opinion, Medi-Claim can be included in CTC, if the medi-claim premium payment is being done by the company on behalf of the employee.
In my organisation, we include in CTC. We have slabs for each grade, say if an employee is in Grade C, then the slab says that his premium amount should be 1000/-, then the same amount of Rs. 1000 as medi-claim is considered in CTC computation.

W.r.t to Gratuity I have no idea.

Regards,
Rane