PNB Oriental Royal 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 PNB Oriental Royal Mediclaim Policy?

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

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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

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.

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).

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

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

Coverage status under PNB Oriental Royal Mediclaim Policy?

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 PNB Oriental Royal Mediclaim Policy?

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

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.

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.