Pnb Oriental Royal Mediclaim Insurance Policy
vs
Critical Illness Insurance Policy
- 100+ top health insurance plans
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| PLAN DETAILS |
 Pnb Oriental Royal Mediclaim Insurance Policy |
 Critical Illness Insurance Policy |
| Premium Including GST | ||
| Product Type | Individual and Family Health Insurance | Critical Illness Health Insurance |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Not Covered | - |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
Covered | - |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
Covered | - |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
Covered | - |
| Post-hospitalization (Expenses after discharge from the hospital) |
Covered | - |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
Covered | - |
| Hospital_network (Number of Hospital Network in city) |
4000 | 6000 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Covered | - |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
Covered | - |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Covered | - |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Not Covered | - |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Not Covered | - |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Not Covered | - |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Not Covered | - |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Not Covered | - |
| Plan Entry Age | 18 to 79 Years | 5 years to No maximum age limit |
| Plan Premium Entry Age and S/A | 8393 | 357 |
| Plan Waiting Period | 30 | 90 |
| Plan Coverage | - | Individual/Family floater |
| Plan Sample Premium | 8393 | 357 |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1 Year | 1/2/3 years |
| ICU Charges | Covered | - |
| Covid-19 Treatment | Covered | - |
| Cataract | Covered | - |
| Automatic Restoration | Not Covered | - |
| Ayush Treatment | Not Covered | - |
| Modern Treatment | Not Covered | - |
| E Consultation | Not Covered | - |
| Air Ambulance | Not Covered | - |
| Global Coverage | Not Covered | - |
| Claim Ratio | 91.62 | 98% |
| Solvency Ratio | 0.6 | 1.8 |
PNB Oriental Royal Mediclaim policy introduced by Oriental Health Insurance 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 Policy.
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