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.
The minimum eligibility conditions to buy this policy are:
Type |
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 |
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:
Other than the basic emergency coverage, the following are included under the Oriental Overseas Mediclaim Policy (E&S) insurance policy:
The following are excluded from coverage under Oriental Overseas Mediclaim Policy (E&S):
For a complete list of exclusions, please refer to the policy document.
The main features and benefits of Oriental Overseas Mediclaim Policy (E&S) insurance policy:
The following are the conditions for cancellation of the Oriental Overseas Mediclaim Policy (E&S):
Ans: The overseas mediclaim offered by Oriental health insurance is applicable for covering medical emergencies, transport costs, and losses. The policy does not function as a conventional health insurance plan. Therefore, benefits of added returns are not provided to the insured and family.
Ans: Overseas mediclaim is meant only as an emergency health cover; therefore, tax benefits are not provided.
Ans: The policy tenure lasts for one year. After policy commencement, termination occurs twelve months hence.
Ans: To buy Oriental health insurance online, the customer is required to register on the official website of The Oriental Insurance Company Limited. Details of the insured and/or family are to be entered. After filling up of the application form, the premium amount is to be paid online.
Ans: Documents with medical treatment and policy details (name of treating doctor, policy ID with date of commencement), claim form (available with The Oriental Insurance Company Limited), invoices, travel documents, medical certificates, medical prescriptions, and receipts should be submitted for a claim.
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