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. 

Read More

Policybazaar exclusive benefits
  • 30 minutes claim support*(In 120+ cities)
  • Relationship manager For every customer
  • 24*7 claims assistance In 30 mins. guaranteed*
  • Instant policy issuance No medical tests*

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply

*Tax benefit is subject to changes in tax laws. Standard T&C Apply

Back
Find affordable plans with up to 25% Discount**
  • 1
  • 2
  • 3
  • 4

Who would you like to insure?

  • Previous step
    Continue
    By clicking on “Continue”, you agree to our Privacy Policy and Terms of use
    Previous step
    Continue

      Popular Cities

      Previous step
      Continue
      Previous step
      Continue

      Do you have an existing illness or medical history?

      This helps us find plans that cover your condition and avoid claim rejection

      Get updates on WhatsApp

      What is your existing illness?

      Select all that apply

      Previous step

      When did you recover from Covid-19?

      Some plans are available only after a certain time

      Previous step
      Advantages of
      entering a valid number
      valid-mobile-number
      You save time, money and effort,
      Our experts will help you choose the right plan in less than 20 minutes & save you upto 80% on your premium
       

      Individual Mediclaim Policy

      This Oriental Insurance mediclaim offers various benefits to the insured wherein an individual is free to claim the following expenses:

      1. Hospitalization that lasts for more than one day due to ill-health, sickness or surgery can be claimed.
      2. Pre and post hospitalization charges can be claimed, which includes 30 days before and 60 days after the period of hospitalization.
      3. For ill-health, which does not require hospitalization for more than 24 hours and only includes day care expenses can also be claimed.
      4. Ambulance charge, which is either 1% of the sum insured or maximum to the amount of 2000.
      5. Dental treatment which is carried out due to an accident is also claimable
      6. Organ donation expense which is incurred during the process of organ transplantation.
      7. 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.

      Search
      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

      Health insurance articles

      Recent Articles
      Popular Articles
      Everything about the Activ One Plan by Aditya Birla Health Insurance

      05 Dec 2023

      In a time when increasing healthcare costs can create a
      Read more
      10 Reasons Why Your Health Insurance Claim Can Get Rejected

      01 Dec 2023

      Health insurance plans add a layer of invisible protection against
      Read more
      Knee Replacement Surgery Cost in India

      30 Nov 2023

      Knee pain has become a very common ailment in India, with over 15
      Read more
      Kidney Transplant Cost in India

      30 Nov 2023

      Kidney disease has been growing at an alarming rate in India. As
      Read more
      How Can NRIs Save Taxes on Health Insurance in India?

      24 Nov 2023

      Health insurance is an essential buy for people in India as well
      Read more
      How to Apply for Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY)?
      Ayushman Bharat Yojana is a flagship health insurance scheme launched by the Government of India to offer universal
      Read more
      Best Health Insurance Plans for Senior Citizens in 2023
      Senior citizens are the most prone to diseases. Considering the medical inflation in India, buying health insurance
      Read more
      10 Major Benefits of Ayushman Bharat Yojana
      Pradhan Mantri Jan Arogya Yojana (PM-JAY) is the second component under Ayushman Bharat Scheme. PM Narendra Modi
      Read more
      Does Health Insurance Provide Coverage for LASIK Eye Surgery?
      A vast majority of the Indian population is suffering from vision problems. For some of them, LASIK eye surgery is
      Read more
      Pre-Existing Disease (PED) Cover from Day One
      Pre-existing diseases (PED) are mostly expensive to treat as they are chronic in nature. Unfortunately, most health
      Read more

      top
      Close
      Download the Policybazaar app
      to manage all your insurance needs.
      INSTALL