With the increase in health problems, medical costs are also increasing. And at the same time, it is getting difficult to manage financial stress.
Oriental Health insurance offers unique and basic health insurance cover, designed to take care of all your medical expenses related to the Hospitalization/Domiciliary hospitalization of the policyholder in the following conditions:
The comprehensive health insurance plan provides coverage on hospitalization expenses, domiciliary costs, organ donors,s and much more for individuals between the age of 18 to 65 years for treatment in India. The sum insured option ranges from Rs. 1 lakh to Rs. 10 lakhs. You can also include your family under the same policy. Let's discuss the plan in detail.
Minimum Entry Age | 18 years |
Maximum Entry Age | 65 years (this can be extended up to 70 years) |
Members to be covered | Up to 7 members |
**Last Updated on July, 2021
Sum insured | Rs. 1 lakh to Rs. 10 lakhs |
Renewability | Lifetime |
Policy Term | 1 year |
**Last Updated on July, 2021
Expenses covered | Limits |
Nursing, Boarding, and Room expenses which are provided by the Nursing home | Not more than 1% of the sum insured per day |
ICU (Intensive Care Unit) charges | Not more than 2% of sum insured options |
Fees of Doctor, specialist, medical practitioner, surgeon, and Anaesthetist | As per the limits of the sum insured |
Anaesthesia, OT charges, Surgical equipment, blood and oxygen Chemotherapy, radiotherapy, medicine & drugs X-ray and laboratory tests | As per the limits of the sum insured |
Expenses related to Ambulance | Rs 2,000 or 1% of sum insured per hospitalization whichever is lower Not more than Rs. 4,000/- |
Daily hospital cash | 0.1% of the sum insured per day subjects to 6 days maximum for an insured person during the complete policy time. 2 days of deductible also applies for each hospitalization. |
Pre and Post Hospitalization expenses | This plan covers the expenses incurred for 30 days before the hospitalization and up to 60 days after the discharge from the hospital. |
AYUSH Treatment | The policy covers expenses for AYUSH treatment such as Ayurvedic/homoeopathic, Unani only when the treatment is done as an in-patient or in a Government hospital. |
Domiciliary Hospitalization | 20% of the sum insured that is subjected to a maximum of Rs. 50,000 per policyholder during the whole policy tenure. |
Dog bite treatment or rabid animals such as monkeys, cats etc. | This plan covers expenses maximum up to Rs. 5,000 for an incident. |
Optional Covers | |
Personal Accident that covers death and permanent disability | Sum insured in multiples of Rs, 2,00,000 up to Rs. 10,00,000 above the age of 18 years. For less than 18 years of age - Maximum coverage of 4 lakhs is applicable |
**Last Updated on July, 2021
The expenses incurred on the following discussed diseases/surgeries manifested after the starting of the first policy, are not payable during the waiting period specified below:
Diseases/Surgeries | Waiting Period |
Polycystic Ovarian diseases | 1 year |
Congenital Internal diseases | 2 years |
Calculus diseases | 2 years |
Diabetes | 2 years |
Gout and Rheumatism | 2 years |
Piles | 2 years |
Hypertension | 2 years |
Joint Replacement | 2 years |
Sinusitis and its related disorders | 2 years |
Osteoarthritis and Osteoporosis due to age | 2 years |
Surgeries related to gallbladder and bile duct | 2 years |
Surgeries related to the genitourinary system | 2 years |
Cataract | 2 years |
Hernia Surgery | 2 years |
Undescended Testes | 2 years |
Hydrocele surgery | 2 years |
**Last Updated on July, 2021
This graph illustrates the premium rates payable by an individual for choosing coverages at the different sums insured and at the ages of 30 years. Let's understand this with the help of a graph that represents the Oriental Health Insurance Premium chart.
Premium Rates of Oriental Individual Mediclaim Policy at age and different sums insured.
Here are the major exclusions under this plan:
There are two claim processes offered by Oriental Individual Mediclaim Policy: Cashless and Reimbursement Process.
In case of an emergency or planned hospitalization, follow these steps for a smooth and quick claim experience:
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(Showing latest 5 reviews only)
June 9, 2022
Ritika
KanpurOctober 19, 2021
Simran C
Delhihappy with the claim settling speed....they responded within no time and were super efficient during the whole process
October 18, 2021
Sukhi singh
Delhigood service...in fact super quick repsponse time of the customer support team...they have knowledge and are effective
October 8, 2021
Kamakshi
Bengalurui raised my claims and they covered most of my surgery expenses ...they truly want to help which is the greatest thing about them
September 8, 2021
Himesh Nigam
ChandigarhMan 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!
Last updated on July, 2021
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I purchased an insurance plan from oriental insurance and I am happy to be a part of this organization.