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

Oriental Overseas Mediclaim Policy (B&H)

*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 No medicals required
I am a

My name is

My number is

By clicking on ‘View Plans’ you, agreed to our Privacy Policy and Terms of use
I am a

My name is

My number is

Select Age

City Living in

    Popular Cities

    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

    When did you recover from Covid-19?

    Some plans are available only after a certain time

    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.


    Health insurance articles

    Recent Articles
    Popular Articles
    Monkeypox: Dos and Don’ts of the Disease That You Should Know

    15 Sep 2022

    Monkeypox has slowly and steadily spread to more than 85 countries...
    Read more
    Why is It Important to Disclose Pre-existing Diseases to Your Insurer?

    06 Sep 2022

    As we grow old, the chances of developing a disease or a medical...
    Read more
    Benefits of Multi-Year Health Insurance Plans

    25 Aug 2022

    Ever since COVID-19 entered our lives, health insurance has come...
    Read more
    Does Health Insurance Cover Monkeypox?

    25 Jul 2022

    Monkeypox is the latest disease to make its way to India while we...
    Read more
    List of Diseases Covered by Bajaj Allianz Health Insurance Plans

    05 Jul 2022

    Barely any person has remained unaffected due to rising health...
    Read more
    PMJAY Scheme: Ayushman Bharat Yojana Eligibility & Registration Online
    Prime Minister Shri Narendra Modi announced the launch of (PMJAY) Ayushman Bharat Yojana in his Independence...
    Read more
    Best Health Insurance Plans in India 2022
    Finding the best health insurance plan from so many different health insurance companies can get confusing for many...
    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 Maternity Insurance Plans
    Maternity insurance offers comprehensive coverage for medical expenses incurred during pregnancy, including the cost...
    Read more
    Best Health Insurance Plans for Senior Citizens in 2022
    Senior citizens are the most prone to diseases. Considering the medical inflation in India, buying health insurance...
    Read more

    Download the Policybazaar app
    to manage all your insurance needs.