Individual Mediclaim Policy
vs
Special Care Plan
- 100+ top health insurance plans
- Premium starting @Rs. 19/day*
- No medical check-ups required
| PLAN DETAILS |
 Individual Mediclaim Policy |
 Special Care Plan |
| Premium Including GST | ||
| Product Type | Individual | Individual and Family Health Insurance |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Covered | Not Covered |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
Covered | Covered |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
Covered | Not Covered |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
Covered | Not Covered |
| Post-hospitalization (Expenses after discharge from the hospital) |
Covered | Covered |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
Covered | Covered |
| Hospital_network (Number of Hospital Network in city) |
4000 | 14000 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Covered | Not Covered |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
Covered | Not Covered |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Covered | Covered |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Covered | Not Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Covered | Not Covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Not Covered | Not Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Covered | Applicable |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Covered | Applicable |
| Plan Entry Age | 18 to 65 Years | 1 to 25 Years |
| Plan Premium Entry Age and S/A | 2,933 | 4800 |
| Plan Waiting Period | 30 | 30 |
| Plan Coverage | - | - |
| Plan Sample Premium | 2,933 | - |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1 Year | 1 year |
| ICU Charges | Covered | Covered |
| Covid-19 Treatment | Covered | Not Covered |
| Cataract | Covered | Not Covered |
| Automatic Restoration | Not Covered | Not Covered |
| Ayush Treatment | Covered | Not Covered |
| Modern Treatment | Covered | Covered |
| E Consultation | Covered | Not Covered |
| Air Ambulance | Covered | Not Covered |
| Global Coverage | Not Covered | Not Covered |
| Claim Ratio | 91.62 | 65 |
| Solvency Ratio | 0.6 | 2.0 |
Oriental Individual Mediclaim by Oriental Health Insurance is an affordable health insurance policy that is designed to take care of all your medical expenses related to the Hospitalization/Domiciliary hospitalization of the policyholder in the following conditions:
The comprehensive health insurance plan provides coverage on hospitalization expenses, domiciliary costs, organ donors, and much more for individuals between the ages of 18 to 65 years for treatment in India. You can also include your family under the same policy. Let's discuss the plan in detail.
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