Oriental Group Mediclaim Insurance Policy

The Oriental Mediclaim Insurance policy can be availed for groups, institution, association or corporate body. The policy coverage is offered in accordance with IRDAI guidelines. The insured can cover his/her family including spouse and dependent children/patents or parents-in-law under this policy.

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Whom do you want to insure?

  • Employee, spouse & kids

  • Employee only

Oriental Mediclaim Insurance Policy (Group): Key Highlights 

Policy Type Group
Tenure 1 year
Maternity Cover Optional
Pre-exiting Illness Cover After 48 months
ICU expense Up to 2%
Group health insurance

Coverage offered

  • Hospitalization Charges- If you buy an Oriental Mediclaim Insurance policy, you will be reimbursed for the expenses incurred in the hospitals.
  • Pre- hospitalization Expense Cover- You can claim for the pre-hospitalization expenses for 30 days before getting hospitalised.
  • Post - hospitalization Expense Cover- The insured is also able to get reimbursed for the post-hospitalization expenses for 60 days.
  • ICU Charges- These expenses are taken care of Rs 10,000 per day or up to 2% of the Sum Insured, whichever is less.
  • Surgeon or Specialist Fee- You can also claim the amount that you have paid for the fees of the surgeon or the specialist under this Oriental Health insurance.
  • Maternity Cover- This is an optional cover under which maternity expenses are covered up to 10% of the total premium paid.

Inclusions of the Oriental Mediclaim Group Insurance Policy

Under this policy, following expenses are covered:

  • Room charges, including the nursing and the boarding expenses
  • The expenses incurred in the ICU
  • The cost of services like oxygen, blood, anesthesia, surgical expenses, operation theater charges, medicines as well as drugs
  • Expenses incurred for the hospitalization of the donor
  • Expenses incurred for the daycare treatment
  • Domiciliary treatment expenses
  • Optional cover for maternity and cover for the newborn child

Exclusions of the Oriental Mediclaim Group Health Insurance

The policy doesn’t offer coverage for the following:

  • Any pre-existing diseases till 4 years of the commencement of the policy will not be covered.
  • Expenses incurred for any newly incepted disease within 30 days of the commencement of the plan.
  • Any accidental injury caused due to participating in any dangerous sports is not covered.
  • Medical expenses incurred for treating obesity are excluded.

*For a complete list of exclusions, please refer to the policy document

Features & Benefits of the Oriental Mediclaim Group Insurance Policy

Some of the salient features of this policy are as mentioned below:

  • This policy is available for a group of 50 or more families or individuals.
  • It also provides maternity benefit as an optional cover.
  • Radiotherapy, dialysis, chemotherapy, cost of the implantation of the prosthetic devices etc. are covered.
  • Surgical procedures that include a pacemaker, diagnostic test, relevant laboratory, X-ray, etc. are covered.
Employee health insurance

Eligibility Criteria

In order to buy this policy, the following eligibility condition can be followed:

Minimum Entry Age 3 months
Maximum Entry Age No Limit
Number of people covered 50 individuals or 50 families
Residential Status Indian Citizens and Residents

Cancellation Terms of the Policy

The insured will be able to cancel the policy within the free look period, and the entire premium amount will be refunded.

If the policy is canceled within 1 month, 1/4th of the annual premium will be charged, if canceled within 3 months, 1/2 of the annual premium will be charged and 3/4th of the annual premium will be charged if the policy is canceled within 6 months and the entire year's premium will be charged if the policy is canceled after 6 months.


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Policybazaar for Business - Group Health Insurance - Customer Reviews
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Based on 189 reviews
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Based on 189 reviews
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3.8 April 09, 2023
Excellent Support
It was easy to buy insurance from PolicyBazaar website and customer support was also amazing to clear all the doubts.Thankyou. Highly worth it.
4.3 April 01, 2023
Necessary Investment
It is a good and necessary investment. Thanks PB.
4.3 March 24, 2023
Provides Satisfactory Results
I purchased Group health insurance at policybazaar recently and i am so much satisfied with the plan. The application process was smooth and efficient, making the typically tedious task of getting insurance surprisingly hassle-free.Thanks PB.
3.8 March 16, 2023
Helpful In Making Decisions
When it came to selcting the right Group Health Insurance, Policybazaar offered an impressive range of options from reputable insurers. I appreciated the comprehensive details avalable for each policy which helped me to take the better decisions. Thankyou.
4.3 March 15, 2023
Increases Clients Expectations
I recently had the pleasure of securing a Group Health Insurance policy throug PolicyBazaar and I must say the Entire process exceeded my expectations! From start to finish, their service werw great. Thankyou.
3.8 March 02, 2023
Great Experience
I got great deals on PolicyBazaar website. Highly recommend.
4.3 February 17, 2023
Excellent Purchase
It was a excellent purchase at PolicyBazaaar. Thankyou team.
4.3 February 04, 2023
Prompt Services
Policybazaar's efficient claims process was impressive. In case of any medical emergencies, my employees were able to get their claims settled swiftly, allowing them to focus on their health and recovery without worrying about financial aspects.Thankyou
4.3 January 22, 2023
Budget Friendly Purchase
Thankyou PolicyBazaar for providing such a great plan at affordable premium rates. It was a budget-freindly purchase.
4.3 January 09, 2023
Multiple Range Of Benefits
I purchased Group health Insurance which offered me plans with affordable rates Thankyou PB.

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  • Disclaimers+

    *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.

    ^ The pre-existing diseases are only covered as per insurer T&Cs.

    #Tax Benefits are subject to changes in tax laws.The benefits mentioned are as per insurer T&Cs and are available with or without extra cost depending on the plan and insurer chosen .Therefore, to learn more about the benefits in detail, contact the HR department of your company or check the insurance policy documents.. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.Policybazaar is registered as a Composite Broker | Registration No. 742, Registration Code No. IRDA/ DB 797/ 19, Valid till 09/06/2024, License category- Composite Broker.
    *Savings of 65% are based on the comparison between the highest and lowest premiums provided by different insurance companies for Rs 5 lakh cover for 50 employees falling in the age group ranging between 19-55 years with room rent limits of 1% and 2% of sum insured for normal and ICU rooms respectively and does not include PED and maternity coverage. Premium starting from
    +₹110/Employee/Month for ₹1 Lac Sum Insured covering Health & Wellness Needs (excluding GST), Premium may vary on the basis of coverage type & add-ons, All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
    By clicking on "View Plans Instantly" you agree to our Privacy Policy and Terms Of Use and also provide us a formal mandate to represent you to the insurer and communicate to you the grant of a cover.
    The details of insurance coverage, inclusions and exclusions are subject to change as per solutions offered by insurance providers. The content has been curated based on the general practices in the industry. Policybazaar is not responsible for the factual correctness of these details.

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