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.
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.
