Oriental Overseas Mediclaim Policy (E&S)

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

      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
      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 (E&S)

      Oriental Overseas Mediclaim Policy (E&S) is a medical emergency policy from Oriental Insurance Company Ltd. that covers medical expenses, arising due to physical injuries, illness, and contagious diseases. Especially designed for students and employed individual travelling abroad, the insured under this policy can avail the best treatment following consultation with the institute’s medical practitioner. Thus, it acts as back-up, ensuring financial coverage for students and employed individuals during a medical emergency overseas.

      Read More

      Eligibility Criteria

      The minimum eligibility conditions to buy this policy are:


      Individual or Family Floater

      Minimum Entry Age

      6 months (with parental coverage)

      Maximum Entry Age

      70 years

      Number of people covered

      Individual (for employed and students)

      Family (parents, spouse and children)

      Residential Status

      Citizens of India, with temporary residence in another country for education, research or employment through an Indian agency

      Coverage Offered

      Under Oriental Overseas Mediclaim Policy (E&S), one can opt for the Individual or Family Floater option; the sum insured will be paid in US$ currency (US$ 75,000). The insured is required to reside in the same country as intended for mediclaim to be eligible for coverage. The coverage as part of the plan is as follows:

      • Emergency Medical Treatment -Any sudden illness or hospitalization as eligible for coverage under the policy.
      • Mental, Emotional, Nervous Ailments Cover-Medical expenses covered for 30 days of continuous in-hospital treatment.
      • Repatriation for Transport of the Remains-In the event of the death of the insured, transportation of the remains to India and funeral expenses are covered.

      Inclusions of the Policy

      Other than the basic emergency coverage, the following are included under the Oriental Overseas Mediclaim Policy (E&S) insurance policy:

      • Licensed Transportation- For efficient transport of the insured passenger to the medical institute, the costs of specific transport such as ambulance and aircraft are included in the policy.
      • Baggage Costs- One of the biggest worries surrounding overseas travel is loss of baggage. This can result in loss of articles of prime importance, such as clothing, documents, etc. Accordingly, the policy can compensate effectively for losses incurred due to baggage misplacement and loss.
      • Employee Coverage Waiver- If the insured consults the medical practitioner associated with the educational institute / employer, a waiver of US $50 is offered.
      • Outpatient Treatment- In the event of emergency outpatient expenses exceeding US $500, the treatment is covered under the policy.

      Exclusions of the Policy

      The following are excluded from coverage under Oriental Overseas Mediclaim Policy (E&S):

      • Any pre-existing condition
      • Any terminal illness
      • Intentionally self-inflicted injury or suicide
      • Use of alcohol, intoxicants, and non-prescribed drugs
      • Damage due to war, invasion, and terrorism
      • Auditory examination or costs of prescription glasses
      • Injuries due to sports and mountaineering
      • Infertility and HRT
      • Non-emergency hospitalization
      • Pregnancy, miscarriage, and childbirth
      • Cosmetic surgery (unless a health emergency)
      • Treatment for HIV/AIDS
      • Any injury or illness occurring outside the country of travel

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

      Features & Benefits of the Oriental Overseas Mediclaim Policy (E&S) Insurance

      The main features and benefits of Oriental Overseas Mediclaim Policy (E&S) insurance policy:

      • No waiting period as pre-existing ailments excluded from treatment
      • Emergency outpatient treatment and hospital expenses
      • Compensation for baggage and passport loss
      • Treatment for mental and nervous ailments
      • Medical emergency occurring up to 12 weeks after policy expiration considered for coverage
      • Evacuation costs if insured required to return to India due to medical emergency
      • Travel costs for family of insured in case of India return (family includes parents, spouse, child)
      • Renewal of policy, if required
      • For students, compensation of medical emergency resulting in incomplete studies
      • Cashless claims from licensed medical institutions and practitioners

      Information on Cancellation of the Policy

      The following are the conditions for cancellation of the Oriental Overseas Mediclaim Policy (E&S):

      • The person covered by the policy is not regarded as the “insured” as per policy terms
      • Concealing pre-existing health conditions for which treatment is taken after policy purchase
      • Failure to travel overseas beyond 14 days of policy purchase upon production of passport


      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
      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

      Download the Policybazaar app
      to manage all your insurance needs.