Network hospitals
3500+
Claim settlement ratio
90.18%
Sum insured
Up to 50 Lakh
No. of Plans
17
Solvency Ratio
0.45
Pan India Presence
1800+
Network hospitals
3500+
Claim settlement ratio
90.18%
Sum insured
Up to 50 Lakh
No. of Plans
17
Solvency Ratio
0.45
Pan India Presence
1800+
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.
Oriental Health Insurance
Minimum: Children- 91 days to 26 years Adult: 18 years Maximum: 79
Individual/ Family Floater
1 L - 10 L
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.
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
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
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
AYUSH Treatment
Not Covered
IVF Treatment
Not Available
Modern Treatment
Not Available
Ambulance
Covered up to 1K
Air Ambulance
Not Available
Compassionate Travel
Not Available
Global Coverage
Not Available
E-Consultation
Not Available
Health Check-Up
Not Available
Second Medical Opinion
Not Available
Vaccination
Not Available
Co-payment
Not Applicable
Sub-limits
Not Available
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:
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 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.
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.
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
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:
Coverage status under PNB Oriental Royal Mediclaim Policy?
Not covered
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.
In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:
Coverage status under PNB Oriental Royal Mediclaim Policy?
Not available
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
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.
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.
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.
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.
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.
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.
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
Certain diseases and treatments are covered under this plan after a certain time period. Read the details below:
Pre-existing diseases after 36 Months
To understand how much premium an amount one needs to pay, let us go through the below examples
Sum Insured (in Rs.) | 5 Lakhs | 7 Lakhs | 10 Lakhs |
Premium Payable | 8,393 | 11,009 | 13,240 |
Know more about PNB Oriental Royal Mediclaim Health Insurance, its claim process, buying process, and contact details by clicking on the sections below:
Click to know the claim process of PNB Oriental Royal Mediclaim.
Click to know the buying process of PNB Oriental Royal Mediclaim.
For any query related to the policy get in touch with the PNB Oriental Royal Mediclaim
Click to know the renewal process of PNB Oriental Royal Mediclaim
Oriental offers a wide range of health insurance plans to fulfill the medical needs of individuals, families, and senior citizens.
A comprehensive policy that is designed to secure the healthcare needs of a family. The plan comes in 4 variants and the SI goes up to 50 lacs.
Unique Features
A plan for individuals and families covering domiciliary hospitalization, and daycare treatment. The plan also offers many discounts and other add-on benefits.
Unique Features
The policy focuses on securing the health of PNB account holders/employees and their families. The SI goes up to 10 lacs and covers 116 day care procedures.
Unique Features
A medical expenses covering policy for the account holders of Oriental Bank of Commerce (OBC) and covers individuals and family. The SI is up to 10 lacs.
Unique Features
The policy offers Daily Cash Benefit during hospitalization. It also provides a 25% extra daily cash benefit for female policyholders at no additional premium.
Unique Features
Covers hospitalization charges for the individual and family members. It is a standard plan that covers many illnesses and annual medical checkups.
Unique Features
It provides health insurance coverage to the financially constrained sections of society at very nominal premiums ranging between Rs. 50 to 70.
Unique Features
The policy safeguards the Indian emigrant workers who intend to emigrate or have done so. The policy provides a Sum Insured of 10 lacs.
Unique Features
Oriental Super Top-up policy is an add-on policy that is designed to provide coverage to the insured and his family in case their base coverage is exhausted.
Unique Features
Designed to offer health insurance coverage to senior citizens aged 60 years and above and comes out with a compulsory co-payment of 20%.
Unique Features
Coverage for medical expenses of various ailments to the policyholders residing outside of India for study and employment.
Unique Features
Specially designed to offer coverage on detection of Dengue Fever without any sub-limit/ co-payment. The plan comes with a coverage of up to Rs. 20,000.
Unique Features
A combination of travel and health insurance that contains health benefits and offers coverage against loss during travel abroad.
Unique Features
A plan that covers 22 critical illnesses including kidney and lung failure. The policy covers spouse, dependent child, parents-in-law and unmarried siblings.
Unique Features
Available on both an individual and family floater basis, it protects the policyholder from the expenses incurred due to COVID-19 treatment.
Unique Features
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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Richa Agrrawal
Mumbai
May 1, 2023
my experience with PolicyX has been overwhelmingly positive. Their excellent service, a wide range of insurance options, user-friendly website, competitive pricing, and trustworthiness make the...
Ritika
Kanpur
June 9, 2022
I purchased an insurance plan from oriental insurance and I am happy to be a part of this organization.
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
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
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
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!
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
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...
View All PNB Oriental Royal Mediclaim Health Insurance Review
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