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The PNB Oriental Royal Mediclaim policy, introduced by Oriental Health Insurance, provides comprehensive coverage to account holders of Punjab National Bank and its associated banks. This Oriental Insurance Mediclaim policy covers individuals up to 79 years of age. It is available as an individual and family floater plan, covering two or more individuals.
It offers an extensive range of features and benefits, including hospital cash, pre and post-hospitalization, domiciliary hospitalization, daily hospital cash allowance, and ICU and nursing expenses, all at affordable premiums. The policy comes with different sum insured options ranging between ₹1 Lakh and ₹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.
| PLAN DETAILS |
Pnb Oriental Royal Mediclaim Insurance Policy |
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Personal Accident Policy |
| Product Type | Individual and Family Health Insurance | Accident Health Insurance |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Not 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 | Not Covered |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
Covered | Not Covered |
| Hospital_network (Number of Hospital Network in city) |
4000 | 18400 |
| 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 | Not Covered |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Not Covered | Not Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Not 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) |
Not Covered | Not Covered |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Not Covered | Not Covered |
| Plan Entry Age | 18 to 79 Years | 18 to 65 Years |
| Plan Premium Entry Age and S/A | 8393 | 2500 |
| Plan Waiting Period | 30 | 30 Days |
| Plan Coverage | - | Accidental death cover, Permanent disability cover, Partial disability cover, Temporary disability cover, Hospital expenses cover |
| Plan Sample Premium | 8393 | 2,500 |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1 Year | 1,2,3 Years |
| ICU Charges | Covered | Not Covered |
| Covid-19 Treatment | Covered | Covered |
| Cataract | Covered | Not Covered |
| Automatic Restoration | Not Covered | Not Covered |
| Ayush Treatment | Not Covered | Not Covered |
| Modern Treatment | Not Covered | Not Covered |
| E Consultation | Not Covered | Not Covered |
| Air Ambulance | Not Covered | Not Covered |
| Global Coverage | Not Covered | Not Covered |
| Claim Ratio | 91.62 | 99.23 |
| Solvency Ratio | -1.03 | 3.25 |
|
Oriental Health Insurance |
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