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Key Benefits of Taking Oriental Insurance Mediclaim
The Oriental Insurance Company is a well-known insurance company, which is known for offering some of the best insurance covers to an individual and the family. This company came into existence in the year 1947, and since then has managed to come a long way. It is also known for offering various health insurance covers, which have various key benefits.
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- Key Benefits of Taking Oriental Insurance Mediclaim
Individual Mediclaim Policy
This Oriental Insurance mediclaim offers various benefits to the insured wherein an individual is free to claim the following expenses:
- Hospitalization that lasts for more than one day due to ill-health, sickness or surgery can be claimed.
- Pre and post hospitalization charges can be claimed, which includes 30 days before and 60 days after the period of hospitalization.
- For ill-health, which does not require hospitalization for more than 24 hours and only includes day care expenses can also be claimed.
- Ambulance charge, which is either 1% of the sum insured or maximum to the amount of 2000.
- Dental treatment which is carried out due to an accident is also claimable
- Organ donation expense which is incurred during the process of organ transplantation.
- Domiciliary treatment which includes expense incurred for conducting treatment at home for a period of more than 3 days. Such treatment if not carried out at would otherwise require hospitalization.
| You may also like to Read: Top Family Health Insurance plans |
Happy Family Floater Policy
It is one of the best health insurance plans, which can be taken to cover all the family members under the same plan. Herein, each member is covered under a common sum insured. There are two plans for insured i.e. silver and gold plan. Following are some of the benefits:
- Room charges include charges of nurse can be claimed; however, it should not exceed 1% of the sum insured.
- Claimable ICU charges which should not be more than 2% for a day.
- Fees for doctors like anesthetist, surgeon, consultant or specialist can be claimed.
- Ambulance charges in case of the silver plan are restricted to 1000 per illness, and cannot exceed 1% of the sum insured or Rs. 3000. However, in case of the gold plan the charges are 2000 per illness, which cannot exceed 1% of sum insured or Rs. 6000.
- In case of the gold plan, attendant expenses can be claimed on hospitalization of a child within the age of 3 to 10 years. However, such claims may not exceed Rs. 500 per day.
- Claimable treatment for animal bite shall not exceed Rs. 5000.
- For a treatment carried out at home, which otherwise requires hospitalization is permissible to the extent of 10% of sum insured. In case of the silver plan, the maximum amount is 25000, whereas it cannot exceed 50000 in case of the gold plan.
Overseas Mediclaim policy
This plan is offered under the scope of Oriental Insurance mediclaim, which includes various benefits for insured as mentioned below;
- Hospital and other medical services can be claimed. It also includes transport fare of an emergency ambulance service.
- Dental treatment can be claimed up to USD 225 such that immediate relief can be given to the patient. However if in case the dental treatment is because of an accident, it should be covered to the extent of insurance cover opted by an individual.
- If no suitable care is available locally, then individuals can opt for an emergency medical evacuation plan. For insured being covered under overseas Mediclaim can easily claim such expenses.
- If the person has died abroad, then the transport cost for sending his remains to India can be claimed under the policy.
Conclusion
With a variety of insurance plans offered by the company, an individual can make a choice of the best health insurance plan, which suits their requirements and sufficiently meets expenses of the insured, in case of urgency.
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Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in
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*We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30- minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881.
*Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. Policybazaar does not provide any medical or surgical advice or diagnosis and is not responsible for your interactions / treatment by a medical practitioner/hospital. Please consult a registered medical practitioner for any medical or surgical advice. The Information that you obtain or receive from Policybazaar, and its employees, or otherwise on the Website is for informational purposes only. As per the Insurance guidelines, you are allowed to cancel the policy with-in 30 days from the date of Issuance of policy.This option is available incase of policies with a term of one year or more.
*All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.
**All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.
*₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.
*₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases
*₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases
*₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases
*₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases
*₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.
*₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.
*No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.
*The values taken for effective cost calculation are indicative values and may change as per the selected plan.
*Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.
*Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.
*The scope of coverage may vary from plan to plan.
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##On ground claim assistance is available in 114 cities
Tax Benefits are subject to changes in tax laws. GST Exemption depends on fulfilment of qualification criteria and submission of relevant documents as required by the insurers. For more details on risk factors, terms and conditions, please read the sales brochure and applicable rules and regulation carefully before concluding a sale.
STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.
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