Oriental Overseas Mediclaim Policy (B&H)

Insurer Highlights

*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

Get insured from the comfort of your home
Get insured from the comfort of your home
  • 1
  • 2
  • 3
  • 4

Who would you like to insure?

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

      Popular Cities

      Previous step
      Previous step

      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

      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
      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

      Oriental Overseas Mediclaim Policy (B&H)

      Oriental Overseas Mediclaim Policy (B&H) is a mediclaim policy designed for individuals traveling outside India. The policy offers coverage for 30 days based on the norms and guidelines as applicable. The insured persons can get coverage for any sudden illness, personal accident, loss of belongings, and loss due to delays under this plan. They can communicate with two organizations, such as Heritage Health Services Private Limited in India and April USA Assistance, Inc. located in India and USA in case of a claim. No refund of premium is allowed if the person insured returns to India before the policy expiry date.

      Read More

      Eligibility Criteria

      The minimum eligibility conditions to buy this policy are:



      Minimum Entry Age

      6 months

      Maximum Entry Age

      70 Years

      Number of people covered

      Individual Person

      Residential Status

      Person traveling overseas

      Coverage Offered

      Oriental Overseas Mediclaim Policy (B&H) Insurance Policy is a mediclaim policy applicable only for insured individuals who want to travel to overseas countries for 30 days.

      • Treatment for Diseases, Illness and Injuries: The policy covers the cost of treatment for any illnesses, illness and injuries contracted overseas, provided that the insured individuals have commenced their journey within 14 days from the policy issuance day.
      • Personal Accident Cover: Oriental Overseas Mediclaim Health Insurancecovers personal accidents while overseas only.
      • Loss of Baggage: The policy covers losses incurred by losing checked-in- baggage during the travel period. The insurer will replace or pay the intrinsic value of any lost article.
      • Delay of Checked-in Baggage: The policy will cover the delay in arriving of the checked-in baggage, if it does not arrive within 12 hours from the expected arrival time. It will cover the expenses incurred by the insured individuals to purchase replacement items.
      • Passport and Personal Liability: The policyholders will get coverage for loss of passport if they have informed the insurer within 24 hours from the time the incident took place.
      • Additional Benefits Cover: The policy also covers expenses related to hijacking distress, daily hospital expenses, trip delay expenses etc.

      Inclusions of the Policy

      The list of inclusions also considers the following expenses:

      • Oriental Overseas Mediclaim Policy (B&H)Insurance Policy offers a hijack distress allowance of USD 125 per day. The maximum benefit of USD 1000 is provided throughout this policy.
      • The policyholders can get a hospital daily cash allowance of USD 20. It can offer a maximum of USD 200 cash allowance.
      • Oriental Overseas Mediclaim Policy (B&H)Insurance Policy will offer trip distance allowance of USD 25 per day. The maximum benefit of USD 250 is offered throughout this policy.
      • The policy offers medical expenses cover and repatriation up to USD 15,000.
      • The policyholders can get personal accident cover up to USD 7500 only.
      • The policyholders will get coverage for baggage loss, treatment for diseases or illness, personal accident, delay in luggage delivery, loss of passport and other liability etc.
      • The policy charges indemnity cost up to USD 10,000 if the insured individuals fail to be present for the medical examination called for by the insurer.

      Exclusions of the Policy

      The policy will not cover the following expenses:

      When the insured individuals traveling to other countries for availing medical treatment

      • Death or injuries occurred due to suicidal attempts
      • The injuries occurred due to war, nuclear weapons, military operations or adventure sports participation
      • If the accident occurred while traveling with improper driving precautions The policy excludes coverage in some instances as applicable under Section A, B, C, D, E and F of the policy clause.

      Features & Benefits of the Oriental Overseas Mediclaim Policy (B&H) Health Insurance

      The policy offers a mediclaim facility to insured individuals traveling outside of India for a certain period.

      • Oriental Overseas Mediclaim Policy (B&H)Health Insurance covers the necessary costs incurred during the travel period. It aims to support insured individuals traveling outside India if they come across any sudden sickness, accidents, loss of belongings, and other losses.
      • The policy is applicable for 30 days period traveling outside India.
      • The policy covers individuals of the age group from 6 months to 70 years.
      • Oriental Overseas Mediclaim Policy (B&H)Health Insurance allows 7 days of automatic extension of the policy if the policyholders cannot control the travel period's delay.
      • In case of an eventuality, the policyholder can approach Heritage Health Services Private Limited in India and April USA Assistance, Inc. in the USA for further support through the online Oriental Overseas Mediclaim Policy (B&H) platform direct contact.
      • Oriental Overseas Mediclaim Policy (B&H)Health Insurance covers six key needs of the insured individuals. These are personal accident, loss of checked baggage, delay of checked baggage, loss of passport, personal liability as applicable under Section A, B, C, D, E and F of the Policy clause.

      Cancellation Terms of the Policy

      The policyholders must consider following cancellation norms in case they want to cancel Oriental Overseas Mediclaim Health Insurance.

      • The policyholders cannot cancel the policy within 14 days from the date of policy issuance.
      • Oriental Overseas Mediclaim Policy (B&H)Health Insurance can be canceled if the journey was not initiated and the passport as proof has been presented to the insurer.
      • If insured persons cancel the policy, they would require paying cancellation charges as applicable. They will not get any refund if the policy is canceled before the expiry date.


      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*

      Health insurance articles

      Recent Articles
      Popular Articles
      Surgeries Covered by HDFC ERGO General Health Insurance Plans

      03 Apr 2024

      HDFC ERGO General Insurance Company provides a variety of
      Read more
      Surgeries Covered by Digit Health Insurance Plans

      28 Mar 2024

      Go Digit General Insurance Limited offers a wide range of
      Read more
      Surgeries Covered by Royal Sundaram Health Insurance Plans

      27 Mar 2024

      Royal Sundaram General Insurance Company offers a spectrum of
      Read more
      Surgeries Covered by United India Health Insurance Plans

      22 Mar 2024

      With the increasing costs of healthcare in India, the financial
      Read more
      Surgeries Covered by Bajaj Allianz Health Insurance Plans

      22 Mar 2024

      In an age where medical expenses are on the rise, securing
      Read more
      Best Health Insurance Plans for Senior Citizens
      Senior citizens are the most prone to diseases. Considering the medical inflation in India, buying health insurance
      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
      Zero Waiting Period in Health Insurance Plans
      Every medical insurance plan comes with a few terms & conditions, and the waiting period is one of them. A
      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
      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

      Download the Policybazaar app
      to manage all your insurance needs.