Oriental Individual Mediclaim Policy

The room rent limit is the maximum amount of bed charge that you can claim if you are hospitalized.

Common Room categories covered under room rent are:

• Private Single AC Room
• Twin Sharing
• General Ward

Coverage status under Oriental Individual Mediclaim Health Plan?

Under this plan, the room rent is covered by not more than 1% of the sum insured per day.

It is a special department in the hospitals where patients with serious medical conditions are treated.

Coverage status under Oriental Individual Mediclaim HealthPlan?

Under this plan, ICU charges are covered by not more than 2% of the sum insured per day.

Medical expenses incurred before the hospitalization of the policyholder.

Coverage status under Oriental Individual Mediclaim HealthPlan?

This plan covers medical expenses incurred during pre-hospitalization for up to 30 days.

Medical expenses incurred after the discharge of the policyholder from the hospital.

Coverage status under Oriental Individual Mediclaim HealthPlan?

This plan covers medical expenses incurred during post-hospitalization for up to 60 days.

Home hospitalization arrangement for the insured person due to unavailability of medical amenities in hospitals. The treatment should last equal to or more than 72 hrs to get the financial coverage.

Coverage status under Oriental Individual Mediclaim HealthPlan?

Domiciliary Hospitalization is covered up to 20% of the sum insured that is subjected to a maximum of Rs. 50,000 per policyholder during the whole policy tenure.

Treatments that can be treated in less than 24 hours of hospitalization like blood dialysis, cataract, etc.

Coverage status under Oriental Individual Mediclaim HealthPlan?

This plan covers the expenses of 116 daycare procedures including Cancer Chemotherapy, Tonsillectomy etc.

Covers the cost of doctor consultation and prescribed medical tests that may not require hospitalization.

Coverage status under Oriental Individual Mediclaim HealthPlan?

OPD is not covered under the plan

COVID-19 treatment includes the cost of treatment for COVID-19 with a confirmative diagnosis from Govt. approved Centre.

Coverage status under Oriental Individual Mediclaim HealthPlan?

COVID-19 treatment cover is available under this plan.

A common eye condition in which your vision gets blurred.

Coverage status under Oriental Individual Mediclaim HealthPlan?

The plan covers the Cataract treatment after the waoting periopd of 2 years.

For every claim-free year, insurance companies reward policyholders with an increase in the Sum Insured amount as a no-claim bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage that varies from plan to plan.

Coverage status under Oriental Individual Mediclaim HealthPlan?

Not Available

Automatic restoration is a benefit in which an insurance company restores the sum insured amount completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from plan to plan.

Coverage status under Oriental Individual Mediclaim HealthPlan?

The plan does not offer the benefit of automatic restoration.

It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body.

Coverage status under Oriental Individual Mediclaim HealthPlan?

The plan covers organ donor expenses.

In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are:

• Full infertility
• No fertility
• Infertility diagnosis
• Infertility diagnosis and limited fertility treatment
• Medication (which may or may not include fertility drug prescriptions)

Coverage status under Oriental Individual Mediclaim HealthPlan?

Not available

An ambulance is used to move the patient from home to hospital, transfer to another hospital, and take them for different tests outside the hospitals.

Coverage status under Oriental Individual Mediclaim HealthPlan?

This plan covers Ambulance charges up to Rs 2,000 or 1% of the sum insured per hospitalization whichever is lower, not more than Rs. 4,000/-

Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.

Coverage status under Oriental Individual Mediclaim HealthPlan?

The plan does not cover the expenses for Air Ambulance.

Refers to the travelling expenses of a family member of the insured person in case the policyholders get admitted to a hospital outside his/her residential city.

Coverage status under Oriental Individual Mediclaim HealthPlan?

Not Available

Any kind of medical/health emergency when you are outside of India.

Coverage status under Oriental Individual Mediclaim HealthPlan?

Not Available

If a policy offers E-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.

Coverage status under Oriental Individual Mediclaim HealthPlan?

Not Available

If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company’s network of medical practitioners.

Coverage status under Oriental Individual Mediclaim HealthPlan?

Not Available

In the co-payment clause, policyholders have to pay a portion of the hospitalization expense on their own and the insurer will pay the rest of the amount.

Status under Oriental Individual Mediclaim HealthPlan?

Optional Voluntarily co-payment is available.