To cater to the different needs of the customers, the company has come out with a wide range of health insurance plans.
Let's discuss each plan in detail.
Happy Family Floater Policy
Happy Family Floater Policy is for all Indian citizens as well as SAARC country citizens who want to secure their families from future medical costs arising due to inevitable hospitalization or medical issues. The plan is offered in three variants-
Key features:
- In-patient hospitalization occurred during the time of treatment of any investigated illness in a hospital is covered.
- The plan offers coverage for pre-hospitalization and post-hospitalization expenses.
- A daily hospital cash allowance (Rs. 600 to Rs. 1000 per day) for the diamond plan and Rs. 600 to Rs. 1000 per day for a gold plan is provided to the policyholder.
- Domiciliary hospitalization expenses are also covered.
Eligibility Criteria:
| Minimum Age of entry | 18 years for adults
3 months for children |
| Maximum Age of entry | 65 years |
| Sum Insured | Rs. 1 lakh to 20 lakhs |
**Last Updated on August, 2021
PNB Oriental Royal Mediclaim Insurance Policy
PNB Oriental Royal Mediclaim Insurance Policy focuses on securing the health of Oriental Bank of Commerce (OBC) account holders and their families at an affordable rate of premium. The policyholders can include their spouse, dependent children, and widowed/divorced daughters.
Key features:
- Daily hospital cash allowance is available only for the proposer of policy. The per-day limit would be Rs. 200 whereas the total cash allowed is Rs. 1000 in a policy period.
- Organ donor expenses coverage for transplantation of organs where insured is the recipient. The insured must show that transplantation has been suggested by the doctor.
- Post-hospitalization expenses that occur after getting treatment in a hospital and the issue of discharge are covered for up to 60 days.
- Domiciliary hospitalization benefits where the insured can have the facility of the medical practitioner, consultants, blood, oxygen, surgical appliances, diagnostic equipment, medicines & drugs, surgeon and dialysis, chemotherapy, and nursing at home is provided.
Eligibility Criteria:
| Minimum Age of entry | 18 years for adults
3 months for children |
| Maximum Age of entry | 79 years |
| Sum Insured | Rs. 1 Lakh to 10 Lakhs |
**Last Updated on August, 2021
Group Mediclaim Policy
If anybody wants to cover a target group, association, institution, or corporate batch can purchase Oriental Group Mediclaim. The cover can be bought for a group of 50 families or 50 persons or more.
Key Features:
- The total value of in-patient hospitalization expenses that popped up for a detected illness/injury will be covered.
- Domiciliary hospitalization where treatment can be taken at home with the permission of a medical practitioner will also get covered (up to the limit of the sum insured).
- Pre-hospitalization expenses that cover diagnostic tests, medicines, doctor consultation, etc. appearing before going to a hospital are covered. Reimbursement of expenses is done for 30 days (maximum ending on the date of admission).
- Maternity expenses for the female insured members are paid by the company for normal child delivery.
Individual Mediclaim Policy
Individual Mediclaim Policy health insurance policy is designed for individuals and their family members who wish to get coverage from unpredictable hospitalization and medical emergencies.
Key Features :
- For pre-hospitalization, the expenses occurring for 30 days are reimbursed whereas, for post-hospitalization, the expenses will be covered for 60 days.
- Under this plan, organ transplantation will be liable to get the cover. The plan will also cover the organ cost along with the treatment.
- Domiciliary hospitalization, which allows the insured to operate treatment at home only on the recommendation of a medical expert or due to unavailability of the hospital bed. The insured can claim 20% of the sum insured or Rs. 50,000 (per insured member).
- The plan also offers a family discount of 10% (including on PA cover) if more than one person is covered under the policy.
Eligibility Criteria:
| Minimum Age of entry | 18 years for adults
3 months for children |
| Maximum Age of entry | 65 years |
| Sum Insured | Rs. 1 Lakh to 10 Lakhs |
**Last Updated on August, 2021
Oriental Happy Cash Policy- Nischint Rahein
The Happy Cash Policy will keep your worries at bay (during the whole term of the policy) through a constant supply of cash during hospitalization that will not affect your pocket savings.
Key Features:
- Daily cash benefit for each day of hospitalization is provided, and if the policyholder is a woman, 25% additional daily cash benefit will be provided.
- The plan grants convalescence benefits for the treatment taken at home, which lasts for 30/60 consecutive days.
Eligibility Criteria:
| Minimum Age of entry (dependent children) | 3 months - 18 years |
| Maximum Age of entry | 65 years |
| Daily Cash Benefit Option | Rs. 500, Rs. 1000, Rs. 2000 & Rs. 3000 |
**Last Updated on August, 2021
Oriental Super Health Top Up
It is a premium health insurance plan, which covers all the significant medical expenses associated with the required treatment if the hospitalization expenses exceed the SI under the base policy.
Key Features:
- Transplantation of the organ in the insured's body where coverage is reserved for in-patient hospitalization of the donor and transplanting the same in the recipient body. The insured will receive 10% of the sum insured.
- In-patient treatment at Ayurvedic, Yoga and Naturopathy, Unani, Siddha, and Homeopathic centres (registered under government councils) is reimbursed as per the specified limit.
- Pre and post-hospitalization expenses (30 & 60 days) are covered by the plan.
Eligibility Criteria:
| Minimum Age of entry | 18 years |
| Maximum Age of entry | 65 years |
**Last Updated on August, 2021
Pravasi Bhartiya Bima Yojana Policy
The Pravasi Bhartiya Bima Yojana Policy is made to facilitate the people who migrate to foreign countries for employment and have obtained an emigration clearance for the same.
Key Features:
- In case of the death of the insured during the policy tenure in India or abroad, the plan will offer the required cover (up to 10 lakhs).
- The plan pays 10 lakhs (as compensation) against permanent disability arising during the period of living as an emigrant abroad where disability resulted in the loss of employment due to the inability to engage in business activities.
- Hospitalization covers family members residing in India if the policy is taken on a floater basis. This is valid for the death and disability of any member where Rs. 50,000 is a fixed amount for payment.
- Maternity benefit to female insured emigrants in case she conceives during the time abroad. For normal delivery, a maximum of Rs. 35,000 is provided and for cesarean delivery, a maximum of Rs. 50,000 is paid out.
Health of Privileged Elders
Health of Privileged Elders is designed to offer helpful health insurance cover to senior citizens aged 60 years and above. The plan offers coverage to specified diseases only and it comes out with a compulsory co-payment of 20%.
Key Features:
- The plan reimburses the cost of hospitalization and domiciliary hospitalization expenses for the specified diseases sustained by the insured.
- The plan will also offer coverage against surgical treatments, which include treatment of an illness or injury, diagnosis, and cure of diseases, correction of deformities and defects, performed in a hospital or daycare centre by an expert.
- The plan grants post-hospitalization cover (up to 60 days) under which all expenses associated with the treatment (after getting discharged) will be liable to get the required cover.
Eligibility Criteria:
| Sum Insured | Rs. 1- 5 lakhs |
| Cashless service through TPA | Up to Rs. 1 lakh |
**Last Updated on August, 2021
Jan Arogya Bima Policy
The policy reimburses the expenses incurred during hospitalization/domiciliary hospitalization for illness or injury sustained.
Key Features:
In-patient hospitalization coverage for the following:
- Boarding room expenses
- Nursing expenses
- Surgeon, anaesthetist, consultants, medical practitioner, and specialists fees
- Cost of a pacemaker, blood, operation theatre charges, diagnostic materials and X-ray, dialysis, surgical appliances, oxygen, chemotherapy, anaesthesia, radiotherapy, artificial limbs, medicines & drugs & cost of organs, and similar expenses
Pre-hospitalization expenses (up to 30 days) are covered. Post-hospitalization expenses are also covered (for a maximum of 60 days) and will be settled only when you submit related reports/ bills/ tests/ doctor statements.
Eligibility Criteria:
| Entry age (Adults) | 5 years - 70 years |
| Sum Insured | Rs. 5000 |
**Last Updated on August, 2021
Arogya Sanjeevani Policy- Oriental
Arogya Sanjeevani is a standard health insurance plan that covers hospitalization expenses and comes with a wide range of useful benefits.
Key Features:
- One can include his/her family members like spouse, dependent children, parents, and parents-in-law.
- The plan comes with a lifelong renewable option.
- The plan covers ambulance charges (up to Rs. 2000 per hospitalization).
- Grab coverage for the expenses incurred on dental treatment and plastic surgery due to disease or injury.
Eligibility Criteria:
| Entry Age | 18 years - 65 years |
| Policy Period | 1 year |
| Sum Insured | Rs. 1 lakh to 5 lakhs |
**Last Updated on August, 2021
Overseas Mediclaim Policy (B&H)
Overseas Mediclaim Insurance Policy (B&H) is a combination of travel and health insurance that contains health benefits and offers coverage against loss during travel abroad.
Key Features:
- Sustenance of any physical injury that has visible and external traces on the body of the insured will be covered. The injury is eligible for compensation only if it has appeared from an accident.
- Loss of checked-in baggage (like any article/property/valuable material) will be compensated by the company.
- The insured will receive reimbursement of real expenses incurred for the acquisition of emergency travel documents as a replacement for the lost passport.
Overseas Mediclaim Policy (E&S)
The Overseas Mediclaim Employment and Studies policy covers various travel and health emergencies faced by the policyholder while traveling abroad.
Corona Kavach Policy
Corona Kavach Policy is available on both individual and family floater basis, which protects the policyholder from the expenses incurred due to COVID-19 treatment.
Key Features:
- The policy provides coverage against road ambulance charges and AYUSH treatments incurred at AYUSH hospitals.
- The plan also covers pre and post-hospitalization expenses up to 15 & 30 days.
Eligibility Criteria:
| Entry Age (Adults) | 18 years - 65 years |
| Sum Insured | Rs. 50,000 - Rs. 5,00,000 |
| Policy Period | 3.5 months, 6.5 months, and 9.5 months |
**Last Updated on August, 2021
Corona Rakshak Policy
Corona Rakshak Policy offers a lump-sum benefit (equal to 100% of the SI) on a positive diagnosis of COVID-19, provided the insured is hospitalized for a minimum period of 72 hours.
Key Features:
- The plan comes with a waiting period of 15 days from the commencement of the policy date.
- The plan offers all India coverage and is available on an individual basis.
Eligibility Criteria:
| Entry Age (Adults) | 18 years - 65 years |
| Sum Insured | Rs. 50,000 - 2,50,000 |
| Policy Period | 3.5 months, 6.5 months, and 9.5 months |
**Last Updated on August, 2021
Oriental Critical Illness Plan
A critical illness can bring emotional and financial stability to your life. This plan is specifically designed for the earning member of a family who is diagnosed with Critical illnesses such as Tumor, cancer, etc. Add-on covers are available under this plan.
Key Features:
- This plan provides portability options. You can migrate your plan to the other plan.
- Get the cashless treatment under this plan and no need to pay single money to the hospital at the time of medical emergency.
- Option for personalized health advice from a doctor or a medical practitioner.
- The critical illnesses covered under this plan are:
- Coma of particular severity
- CABG
- Bone marrow transplant
- First heart attack
- Cancer with specified severity
Man I was pleasantly surprised with the customer agent I spoke to at Oriental...so detailed and thoruough about every query I had...going to get a health plan super soon!