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.

Eligibility Criteria


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

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

FAQs

Oriental Overseas Mediclaim Policy (E&S) Reviews & Ratings

0 / 5 (Based on 31 Reviews)
(Showing Newest 9 reviews)
Omkar
Chennai , October 26, 2021
Great features
I have got day care hospitalization feature under the mediclaim policy which i have purchased from the policybazaar. It offered me lifelong renewability Cover. It includes tax exemption benefits, cashless hospitalization and many other facilities. overall i like my plan.
Angoor
Kolkata , October 26, 2021
Trustworthy website
I rarely trust the online purchasing because of the possibility of fraud but Policybazaar has built my trust up. I went through the online process when I was taking care health insurance from here and i found this website trustworthy.
Kush
Surat, October 26, 2021
Helpful staff
I rarely trust the online purchasing because of the possibility of fraud but Policybazaar has built my trust up. I went through the online process when I was taking care health insurance from here and i found this website trustworthy.
Ranveer
Pune, October 26, 2021
Low cost plan
Such a simple and easy process to buy a policy was provided to me by Policybazaar. Someone suggested me to check the health plans on Policybazaar website. i went through a lot of plans and i found the right plan here. i bought star health insurance at low cost.
Kushal
Jaipur, October 26, 2021
Good Coverage
I have bought Bajaj Allianz Health Insurance for my family and by taking a health plan, I have secured my entire family. I have got coverage against medical expenses and buying my policy online has saved my money as I did not have to pay agent fees.
Jitendra
Lucknow, October 26, 2021
Affordable plan
A friend of mine told me about Policybazaar. He said that he has found an affordable health plan deal in Policybazaar. I went to Policybazaar to buy the same plan. I wanted a family health plan so I took Aditya Birla health insurance and it has covered every member of my family.
Rajesh
Kanpur, October 26, 2021
Easy to compare
Last week i went to Policybazaar for taking health plan for my family. An executive explained the policy very well and showed me various plans out of which i chose digit health insurance and it has covered me and my wife.
Kuvar
Nagpur, October 26, 2021
Good plan
I was able to compare the various plans easily on the website of Policybazaar. At first, i was confused about what i should choose as so many options were given there but then i bought sbi general health insurance for my parents. I got really good senior citizen health plan.
Abhijeet
Allahabad, October 26, 2021
Hassle free experience
I had an amazing and hassle free experience with policybazaar. Everything has beem very smooth when i was purchasing health insurance from policybazaar. Their team assisted me in well mannered way.

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