Oriental Overseas Mediclaim Employment & Study Plan

With so many Indians traveling abroad for job and study prospects, having a good travel health insurance has become a necessity. Oriental Overseas Mediclaim Employment and Study plan is one such plan that protects you against any illness, disease contracted or injury sustained during overseas travel. It offers financial support for a number of medical emergencies and ensures you are not stranded alone in a foreign place.

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    Why Oriental Overseas Mediclaim Employment & Study Plan?

    Offered by Oriental Insurance Company Limited, this plan offers compensation for a number of medical and travel-related assistance through its various benefits. The company is a well-established general insurance company since September 1947 and has 29 regional offices with a workforce of over 13500 employees throughout its multinational branches in Nepal, Kuwait, and Dubai and has a total strength of around. This plan is specially made for any costs incurred because of medical treatments abroad by Indian citizens who are either employed abroad or pursuing their studies.

    Features & Benefits of Oriental Overseas Mediclaim Employment & Study Plan

    Being a reputed and trusted general insurance company, there are several benefits offered by Oriental Travel Insurance Plan:

    • Flexible Duration: The policy by Oriental Insurance Company comes with a wide policy term from a period of 2 months up to a period of 1 year.
    • Easy Renewal: The policy can be renewed for up to 12 months, if necessary.
    • Medical Assistance: In-patient or out-patient, it covers both the expenses during your overseas trip.
    • Cashless Facility: Cashless settlement is provided
    • Variety in Sum Insured: USD 50000 – USD 500000 is provided under this policy as a sum insured.

    Things to know about Oriental Overseas Mediclaim Employment & Study Plan

    Categories

    Specification

    Offered By

    Oriental Insurance Company Limited

    Eligibility

    Any Indian citizen temporarily employed or pursuing education abroad

    Sum Insured

    Up to USD 50000 – 500000

    Coverage Offered

    Medical expenses

    Medical Evacuation

    Repatriation of Remains

    Medical Emergency Reunion Expenses

    Contingency insurance (for students)

    Duration of Policy

    2 months to 12 months, can be renewed

    The plan offers benefits if the insured person incurs any medical expenses due to illness, injuries, or diseases contracted during their overseas travel. The plan is designed for those individuals who are leaving India temporarily for employment purposes or to further their education or carry out independent research. With a sum insured of USD 75,000, the policy can be availed for 2 months to a maximum of 12 months. However, it can be renewed if needed. Irrespective of the country of travel, the premium will need to be paid in USD.

    Indemnified expenses and benefits under this plan include cover for medical accident and sickness expenses, medical evacuation and repatriation expenses, and contingency insurance only for sponsored students that are studying abroad.

    Inclusions under the Oriental Overseas Mediclaim Employment & Study Plan

    The policy offers the following coverage benefits to the insured:

    • Medical Expenses Benefits: All the medical expenses because of diseases or accidents caused while traveling are covered.
    • Medical Evacuation: If the insured is critically ill and needs to be evacuated back to India at the advice of the attending physician, then the insurer shall cover these expenses.
    • Repatriation Expenses: In case of death of the insured, the insurer will cover the repatriation of their mortal remains
    • Coverage for Mental/Nervous/Emotional Disorders: The insurer will provide 50% coverage for any mental/emotional disorders for a maximum of 30 days continuous in-hospital expenses to the insured.
    • Medical Emergency Reunion Expenses: The insurer will cover any reunion expenses up to USD 5,000 in case the insured is critically ill and provide one economy class ticket to their immediate family member.
    • Contingency Insurance: This is applicable to sponsored students only and provides them cover if their studies are interrupted due to death, disability or loss of eyesight.

    Exclusions under the Oriental Overseas Mediclaim Employment & Study Plan

    Customers should carefully go through the terms and conditions of the policy before buying. The policy will not cover any expenses if they arise due to the following:

    • If the insured is traveling against the advice of the attending physician
    • Any loss incurred due to self-inflicted injuries, suicide, or attempt at suicide
    • Injuries sustained due to alcohol or drug consumption
    • Any pregnancy or related issues
    • Any claims arising  due to pre-existing medical condition
    • Claims due to sexually transmitted diseases, HIV, AIDS.
    • Claims arising because of venereal diseases.
    • Damage incurred due to radiation, nuclear weapons induced, and other ionizing radiation
    • Damage and injuries due to sporting activities and adventure sports
    • Claims for expenses due to Naturopathy treatment, ayurvedic/homeopathic therapies, and other experimental treatments

    Oriental Overseas Mediclaim Employment & Study Plan Eligibility Criteria

    Any Indian citizen is eligible for this plan, given they are temporarily residing in the country of posting or education. Students should solely be engaged in education or research projects with no manual role in that country.

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    Oriental Overseas Mediclaim Employment & Study Plan Reviews & Ratings

    0 / 5 (Based on 31 Reviews)
    (Showing Newest 25 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.
    Bhaskar
    Ranchi, October 26, 2021
    Problem resolving
    I contacted the customer care of policybazaar as i was facing some difficulty. They just took a minute to solve my problem. I am happy that i have bought my health insurance from the right place. Policybazaar always give proper attention to its customers.
    Debyendu
    Haora, October 26, 2021
    Supportive team
    When I was buying my health insurance from the website of Policybazaar, I was a little confused about the policy. I got in touch with the customer care and the executive guided me very well and cleared all my doubts with satisfactory answers. Thanks to Policybazaar for guiding me.
    Gaurav
    Coimbatore, October 26, 2021
    Smooth service
    In my health insurance, company is providing me financial assistance. i have got medical coverage against medical expenses arising out of health emergency which i have taken from the Policybazaar. service of policybazaar is very smooth and fast.
    Angad
    Jabalpur, October 26, 2021
    Good service
    I have bought health insurance through the website of policybazaar. Policybazaar gave me full support and when i contacted the customer care of policybazaar for clearing some of my queries they provided me very good service. Thanks to the Policybazaar for Giving me superb service.
    Aniruddh
    Gwalior, October 26, 2021
    Cashless treatment
    I have got cashless treatment facility in my health insurance. This will help me to save my savings as I will not have to bear the financial burden of medical expenses. Anyone who is looking for the best and an affordable health plan I would love to recommend Policybazaar to them.
    Onkar
    Vijayawada, October 26, 2021
    Easy Reimbursement
    My experience with Policybazaar has been great. I had taken senior citizen health insurance for my mother from Policybazaar. Last month, she was admitted to the hospital due to a medical emergency. When she got discharged I connected with Policybazaar for reimbursement of hospital bills and I got it immediately
    Paramjit
    Jodhpur, October 26, 2021
    No claim bonus
    Policybazaar is totally worthy place to buy any kind of plan. I have been using senior citizen health insurance for a long time which i had take for my parents. I never raised the claim request so i got discount on the premium rate when i was renewing the plan.
    Kartik
    Madurai, October 26, 2021
    Add on cover
    I am using senior citizen health insurance since last year which i had taken from the policybazaar and recently i have customized my health plan with add on cover and added some additional features to it which i got at an affordable rate.
    Karun
    Raipur, October 26, 2021
    Low premium
    I have taken senior citizen health insurance for my parents. It has Coverage against medical expenses. Pre hospitalization, post hospitalization expenses features are covered under the plan. It has low premium rate and covered huge number of benefits.
    Swapan
    Kota, October 26, 2021
    Easy Reimbursement
    I got reimbursement in hospital bills. I bought senior citizen health insurance for my mother from Policybazaar and a month back she faced some medical problems. I connected with policybazaar for reimbursement and i got it without any hassle.
    Tarun
    Guwahati, October 26, 2021
    Pocket friendly plan
    I was looking for senior citizen health insurance for a long time which I wanted to take for my father. A relative of mine suggested me the Policybazaar website. I landed to their website and checked the health plans. In the end I finally found one that came within my budget.
    Tejas
    Chandigarh, October 26, 2021
    Affordable plan
    I was looking for family health insurance for a long time. I searched a lot on Google and finally found the website of policybazaar. Here i got family health insurance according to my budget and needs. I really liked the service provided by the Policybazaar.
    Ayesha
    Solapur, October 26, 2021
    High coverage
    I have secured my family with the help of family health insurance which i have purchased from Policybazaar. In my health plan, i have got coverage for medical expenses. From now on i do not have to bear financial burden as my policy will give me financial protection.
    Bahaar
    Hubli And Dharwad, October 26, 2021
    Good in customer handling
    Policybazaar is very good in terms of handling customers. I bought family health insurance from Policybazaar and their team maintained professionalism with courteous demeanor which was absolutely impressive. I would definitely like to get in touch with Policybazaar for more plans.
    Bhagyashree
    Bareilly, October 26, 2021
    Minimal paperwork
    In my family health insurance, every member of my family are covered. there was minimal and Hassle free paperwork. I got high number of coverage and benefits under my plan. the team of policybazaar guided me and helped me to select the suitable plan.
    Devika
    Moradabad, October 26, 2021
    Faster claim settlement
    Thankfully I had taken family health insurance from Policybazaar. a while ago, i had to admitted my father to the hospital due to sudden medical emergency. i had claimed and got the claim very easily and quickly. I got faster claim settlement. I am happy with the service.