PNB Oriental Royal Mediclaim Insurance Policy
  • Individual or Family Floater
  • AYUSH Cover
  • Check the eligibility criteria
premium

Network hospitals

3500+

premium

Claim settlement ratio

90.18%

premium

Sum insured

Up to 50 Lakh

premium

No. of Plans

17

premium

Solvency Ratio

0.45

premium

Pan India Presence

1800+

Customized Health Insurance Plan for you.

Get upto 15% Online Discount*

Select Members You Want To Insure

Age of Eldest Member

premium

Network hospitals

3500+

premium

Claim settlement ratio

90.18%

premium

Sum insured

Up to 50 Lakh

premium

No. of Plans

17

premium

Solvency Ratio

0.45

premium

Pan India Presence

1800+

PNB Oriental Royal Mediclaim Policy

PNB Oriental Royal Mediclaim policy provides comprehensive coverage to the account holders of Punjab National Bank and its associated banks. Oriental Insurance Mediclaim provides coverage to people only up to the age of 79 years and the person should not be more than 80 years. The policy is available as an individual and family floater covering 2 or more people.

It offers an extensive range of features and benefits like hospital cash, pre and post hospitalization, domiciliary hospitalization, daily hospital cash allowance, and ICU and nursing expenses, at affordable premiums. PNB Oriental Royal Mediclaim 2017 comes with different sum insured options ranging between Rs. 1 Lakh and Rs. 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 One Policy.

PNB Oriental Royal Mediclaim Policy Specifications

Entry Age

Minimum: Children- 91 days to 26 years Adult: 18 years Maximum: 79

Plan Type

Individual/ Family Floater

Sum Insured (in Rs.)

1 L - 10 L

Initial Waiting Period

30 Days*

*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.

Read more specifications in the brochure.

Choose your PNB Oriental Royal Mediclaim Policy

With multiple policy types, the PNB Oriental Royal Mediclaim plan lets you customize your health insurance plan as per your requirements:

Coverage for SI: 1 L-10 L

In-patient & Out-patient Coverage

Room Rent

1% of SI

ICU Charges

2% of SI

Pre-Hospitalization

Covered up to 30 days

Post-Hospitalization

Covered up to 60 days

Domiciliary Hospitalization

Covered

Daycare Treatment

116 listed procedures

OPD Charges

Not covered

Coverage Terms

COVID-19 Treatment

Not Covered

Cataract

Covered

No Claim Bonus

Not Available

Automatic Restoration

Not Available

Daily Hospital Cash (in Rs.)

Up to 1000/- per day

Organ Donor

Covered

Maternity Cover

Not Available

New Born Baby Cover

Not Available

Alternative Treatments

AYUSH Treatment

Not Covered

IVF Treatment

Not Available

Modern Treatment

Not Available

Emergency Coverage

Ambulance

Covered up to 1K

Air Ambulance

Not Available

Compassionate Travel

Not Available

Global Coverage

Not Available

Wellness Programmes

E-Consultation

Not Available

Health Check-Up

Not Available

Second Medical Opinion

Not Available

Vaccination

Not Available

Limitations

Co-payment

Not Applicable

Sub-limits

Not Available

What is Room Rent?

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 PNB Oriental Royal Mediclaim Policy?

Under PNB Oriental Royal Mediclaim Policy, the room rent is covered up to 1% of the SI.

What are ICU Charges?

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

Coverage status under PNB Oriental Royal Mediclaim Policy?

Under this plan, ICU charges coverage is available up to 2% of the SI.

What is Pre Hospitalization?

Medical expenses incurred before the hospitalization of the policyholder.

Coverage status under PNB Oriental Royal Mediclaim Policy?

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

What is Post Hospitalization?

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

Coverage status under PNB Oriental Royal Mediclaim Policy?

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

What is Domiciliary Hospitalization?

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 financial coverage.

Coverage status under PNB Oriental Royal Mediclaim Policy?

Under Oriental Royal Mediclaim Policy, domiciliary hospitalization is available for up to 10% of the Sum Insured.

What is Daycare Treatment?

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

Coverage status under PNB Oriental Royal Mediclaim Policy?

This plan covers expenses of all daycare procedures including 116 listed Procedures up to SI.

What are OPD charges?

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

Coverage status under PNB Oriental Royal Mediclaim Policy?

Not covered under the plan.

What is COVID-19 Treatment?

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

Coverage status under PNB Oriental Royal Mediclaim Policy?

COVID-19 treatment cover is not available under this plan.

What is Cataract Treatment?

A common eye condition in which your vision gets blurred.

Coverage status under PNB Oriental Royal Mediclaim Policy?

The plan does cover Cataract Treatment up to 30k for SI >5 lakhs.

What is a No-Claim Bonus?

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 PNB Oriental Royal Mediclaim Policy?

The plan does not offer a No-Claim Bonus.

What is Automatic Restoration?

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 PNB Oriental Royal Mediclaim Policy?

The plan does not have Auto Restoration.

What is Daily Hospital Cash?

It is a cash amount that you receive each day during the time of hospitalization.

Coverage status under PNB Oriental Royal Mediclaim Policy?

The Daily hospital cash available under the plan is Rs. 1000 per day.

What is an Organ Donor Cover?

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

Coverage status under PNB Oriental Royal Mediclaim Policy?

Under the plan, Organ Donor expenses are covered.

What is a Maternity Cover?

It refers to the cover that includes expenses for normal and c-section procedure deliveries.

Coverage status under PNB Oriental Royal Mediclaim Policy?

Not covered

What is a New Born Baby Cover?

It takes care of the medical expenses that arise due to the hospitalization of the newborn baby in case of unforeseen circumstances. Some of the common treatments that are covered under the newborn cover and these common treatments can vary from plan to plan:

  • Congenital anomaly (conditions since birth)
  • Acute condition
  • Chronic condition
  • Pre-mature delivery
  • Birth asphyxia
  • Day care treatment

Coverage status under PNB Oriental Royal Mediclaim Policy?

Not covered

What is AYUSH Treatment?

Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.

Coverage status under PNB Oriental Royal Mediclaim Policy?

AYUSH treatment is not covered.

What is IVF Treatment?

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

  • 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 PNB Oriental Royal Mediclaim Policy?

Not available

What is a Modern Treatment?

Medical treatments that demand the use of modern technology such as robotic surgeries, stem cell therapy, etc.

Coverage status under PNB Oriental Royal Mediclaim Policy?

Not Covered

What is an Ambulance Cover?

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 PNB Oriental Royal Mediclaim Policy?

This plan covers Ambulance charges up to INR 1000.

What is an Air Ambulance?

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

Coverage status under PNB Oriental Royal Mediclaim Policy?

The plan does not cover the Domestic Emergency Assistance Services (including Air Ambulance) & International Emergency Assistance Services (including Air Ambulance).

What is Compassionate Travel?

Refers to the traveling 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 PNB Oriental Royal Mediclaim Policy?

Not available

What is Global Coverage?

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

Coverage status under PNB Oriental Royal Mediclaim Policy?

Not available

What is E-Consultation?

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 PNB Oriental Royal Mediclaim Policy?

The plan does not cover the expenses for E-consultation.

What is a Health Checkup?

A facility where the policyholder can avail free health check-ups after fulfilling the company's policies.

Coverage status under PNB Oriental Royal Mediclaim Policy?

The plan does not offer a Health Checkup facility.

What is a Second Medical Opinion?

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 PNB Oriental Royal Mediclaim Policy?

The plan does not cover the expenses for Second Medical Opinion.

What is Vaccination cover?

Coverage against the expenses incurred on vaccinations is provided by the insurance companies.

Coverage status under PNB Oriental Royal Mediclaim Policy?

The plan does not cover vaccination cover.

What is Co-payment?

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 PNB Oriental Royal Mediclaim Policy?

Co-payment is not applicable.

What is the Sub limit?

Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to be paid by the policyholder.

Status under PNB Oriental Royal Mediclaim Policy?

No sub-limits are available.

Other Health Insurance Companies

PNB Oriental Royal Mediclaim Plan Exclusions

Permanent Exclusions

Permanent diseases or health conditions that are not included under Royal Mediclaim Plan are:

Hospitalization out of war, riot, strike, and nuclear weapons

Intentional self-injury

AIDS

Miscarriage and abortion

Congenital disease

Infertility and in vitro fertilization

Coverage after Waiting Period

Certain diseases and treatments are covered under this plan after a certain time period. Read the details below:

Pre-existing diseases after 36 Months

Sample Premium Illustration of PNB Oriental Royal Mediclaim Plan

To understand how much premium an amount one needs to pay, let us go through the below examples

1 Adult

Sum Insured (in Rs.) 5 Lakhs 7 Lakhs 10 Lakhs
Premium Payable 8,393 11,009 13,240

Explore 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:

Contact Us

For any query related to the policy get in touch with the PNB Oriental Royal Mediclaim

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Oriental Overseas Mediclaim Policy (E & S)

Coverage for medical expenses of various ailments to the policyholders residing outside of India for study and employment.

Unique Features

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Oriental Dengue Kavach Policy

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Oriental Overseas Mediclaim Policy- Business and Holiday

A combination of travel and health insurance that contains health benefits and offers coverage against loss during travel abroad.

Unique Features

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Oriental Critical Illness Policy

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Unique Features

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Health Insurance Articles

PNB Oriental Royal Mediclaim Insurance Policy: FAQs

1. What is the waiting period for pre-existing diseases under PNB Oriental Royal Mediclaim policy?

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.

2. When the PNB Royal Mediclaim policy cannot be renewed?

If the insured individuals commit fraud, misrepresentation, non-cooperation, or moral hazard, the insurance company will not renew the policy.

3. Is it possible to include a family member in the middle of the policy period?

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).

4. Did this policy cover the treatments that do not require hospitalization for a whole day?

Yes, the PNB Oriental Royal Mediclaim policy offer coverage for daycare treatment.

5. Can Oriental Insurance cancel my PNB Oriental Royal Mediclaim policy?

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.

PNB Oriental Royal Mediclaim Health Insurance Review

Read what customers have to say about PNB Oriental Royal Mediclaim Health Insurance.

Customer Review Image

Ritika

Kanpur

June 9, 2022

I purchased an insurance plan from oriental insurance and I am happy to be a part of this organization.

Customer Review Image

Simran C

Delhi

October 19, 2021

happy with the claim settling speed....they responded within no time and were super efficient during the whole process

Customer Review Image

Sukhi singh

Delhi

October 18, 2021

good service...in fact super quick repsponse time of the customer support team...they have knowledge and are effective

Customer Review Image

Kamakshi

Bengaluru

October 8, 2021

i raised my claims and they covered most of my surgery expenses ...they truly want to help which is the greatest thing about them

Customer Review Image

Himesh Nigam

Chandigarh

September 8, 2021

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!

Customer Review Image

Harma Bajwa

Mumbai

September 8, 2021

all the death benefits that were promised to us were delivered. my husband s deathn has not been easy but the quick support from Oriental was really helpful

Customer Review Image

Karim Suleiman

Jaipur

September 8, 2021

I was very very doubtful about insurance in general becaus lots of frauds happening around. however, Oriental has been the most supportive throughout my father s death and gave us the benefits...

Customer Review Image

Siddharth Sharma

Coimbatore

September 8, 2021

guys i would 1000% recommend this insurer... when I first bought it, its support staff was great. and wehne it came to settling my recent medical bills, they stuck to their words

View All PNB Oriental Royal Mediclaim Health Insurance Review