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Individual Mediclaim Policy
Oriental Individual Mediclaim by Oriental Health Insurance is an affordable health insurance policy designed to cover all your medical expe…
- Family discount
- Voluntary co-payment
- Daily hospital cash
Oriental Health Insurance
PNB Oriental Royal Mediclaim Insurance Policy
This plan offers comprehensive healthcare benefits to account holders ...Read More
Up to 2 Crores
Sum insured
1
No. of plans
1,000+
Pan India presence
91.62%
Claim settlement ratio
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,700 reviews
🏥 4,000+ hospitals
📊 -1.03 solvency ratio
✅ 91.62% claim settlement
About PNB Oriental Royal Mediclaim Insurance Policy
A quick read on what this Oriental Health Insurance plan covers and why it might be a fit for you.
The PNB Oriental Royal Mediclaim policy, introduced by Oriental Health Insurance, provides comprehensive coverage to account holders of Punjab National Bank and its associated banks. This Oriental Insurance Mediclaim policy covers individuals up to 79 years of age. It is available as an individual and family floater plan, covering two or more individuals.
It offers an extensive range of features and benefits, including hospital cash, pre and post-hospitalization, domiciliary hospitalization, daily hospital cash allowance, and ICU and nursing expenses, all at affordable premiums. The policy comes with different sum insured options ranging between ₹1 Lakh and ₹10 Lakh and can be purchased for a term of 1 year. The policy has three plan types based on the beneficiary and registered account holders: One Account-One Policy, Multiple Account-One Policy, and One Person Policy.
Plan at a glance
Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.
Entry age
18 to 79 Years
Plan type
Individual and Family Health Insurance
Sum insured options
₹1 L, ₹2 L, ₹3 L, ₹4 L, ₹5 L, ₹6 L, ₹7 L, ₹8 L, ₹9 L, ₹10 L
Waiting period
30 days
Renewability
Lifetime
Policy term
1 Year
*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.
Pros & cons
A quick honest summary — the strengths and the trade-offs.
Pros
- Covers family
- High sum insured
- Ambulance cover
Cons
- Illegal activities
- Alcoholism and drug abuse
- Obesity
What's covered
Every CMS-driven coverage flag from the plan wording — only items with a published value render below.
Hospitalization
- Room rent Covered
- ICU charges Covered
- Pre-hospitalization Covered
- Post-hospitalization Covered
- Domiciliary hospitalization Covered
- Day-care treatment Covered
- OPD charges Not covered
- Covid-19 treatment Covered
- Cataract Covered
Bonuses & restoration
- No-claim bonus Not covered
- Automatic restoration of SI Not covered
- Daily hospital cash Covered
Family & special care
- Maternity cover Not covered
- New-born baby cover Not covered
- IVF treatment Not covered
- AYUSH treatment Not covered
- Organ donor expenses Covered
Modern & preventive care
- Modern treatment Not covered
- Road ambulance Covered
- Air ambulance Not covered
- E-consultation Not covered
- Health check-up Not covered
- Second medical opinion Not covered
- Vaccination Not covered
Conditions & global
- Co-payment Not covered
- Sub-limits Not covered
- Compassionate travel Not covered
- Global coverage Not covered
Video reviews
Walkthroughs from the PolicyX team — pros, cons, real claim experiences and who should buy.
Oriental Health Insurance
This video talks about Oriental Health Insurance in detail. It talks about the Solvency Ratio, and Claim Support Ratio which helps an individual to analyze the Claim settling ability of the Insurer.
Things To Remember: PNB Oriental Royal Mediclaim Health Insurance
Know more about PNB Oriental Royal Mediclaim Health Insurance, its claim process, buying process, and contact details by clicking on the sections below:
- Claim Process: Learn about the claim process of PNB Oriental Royal Mediclaim.
- Buying Process: Learn about the buying process of PNB Oriental Royal Mediclaim.
- Contact Us: For any query related to the policy, find contact details for PNB Oriental Royal Mediclaim.
- Renewal Process: Learn about the renewal process of PNB Oriental Royal Mediclaim.
Inclusions & exclusions
What the plan pays for, and what it doesn't.
Exclusions
- Hospitalization due to war, riot, strike, and nuclear weapons
- Intentional self-injury
- AIDS
- Miscarriage and abortion
- Congenital diseases
- Infertility and in-vitro fertilization
- Listed ailments after 12 months
- Pre-existing diseases after 36 months
Who can buy this plan
Eligibility criteria pulled straight from the policy wording.
- Min entry age: 18 years
- Max entry age: 79 years
- Initial waiting period: 30 days
- Sum insured: Up to 10 Lakh
Other features & benefits
- Pre and post-hospitalization
- Multiple variants
- Daily hospital cash
PNB Oriental Royal Mediclaim Insurance Policy: FAQs
The 5 most-asked questions about PNB Oriental Royal Mediclaim Insurance Policy, answered.
PNB Oriental Royal Mediclaim policy has a 36-month waiting period for pre-existing ailments and 12/24/36 month waiting periods for specific diseases.
If the insured individuals commit fraud, misrepresentation, non-cooperation, or moral hazard, the insurance company will not renew the policy.
It is only permissible by giving written notice to the insurer in the case of a newly married spouse (within 90 days of marriage) or a newborn child (within 90 days of birth).
Yes, the PNB Oriental Royal Mediclaim policy offer coverage for daycare treatment.
Oriental Insurance can cancel your policy at any time for misinterpretation or fraud by you by giving a 30 days notice. Also, in the event of cancellation due to the above-mentioned reasons, no refund of the premium would be issued.
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