Oriental Personal Accident Policy
vs
Super Top Up Mediclaim Policy
- 100+ top health insurance plans
- Premium starting @Rs. 19/day*
- No medical check-ups required
| PLAN DETAILS |
 Oriental Personal Accident Policy |
 Super Top Up Mediclaim Policy |
| Premium Including GST | ||
| Product Type | Accident Health Insurance | Top Up and Super Top Up |
| 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) |
- | Not 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 | 3200 |
| 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.) |
- | 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) |
- | Covered |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
- | Not Covered |
| Plan Entry Age | N/A | Children: 3 Months to 18 Years, Adult: 18 to 65 years |
| Plan Premium Entry Age and S/A | N/A | 1,090 |
| Plan Waiting Period | N/A | 30 |
| Plan Coverage | - | - |
| Plan Sample Premium | N/A | 1,090 |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | N/A | 1 year |
| ICU Charges | - | Covered |
| Covid-19 Treatment | - | Covered |
| Cataract | - | Covered |
| Automatic Restoration | - | Not Covered |
| Ayush Treatment | - | Covered |
| Modern Treatment | - | Covered |
| E Consultation | - | Not Covered |
| Air Ambulance | - | Not Covered |
| Global Coverage | - | Not Covered |
| Claim Ratio | 91.62 | 91.31 |
| Solvency Ratio | 0.6 | 0.3 |
The human body is mortal such that we all can not avoid an accident that could lead us to lose our lives or any part of the body like limbs, or major organs. These accidents could be so grievous that they may greatly shatter our family's future and financial stability.
Oriental Insurance personal accident policy offers compensation against such critical conditions caused by an accident, violence, or external factors that have caused temporary or permanent total/partial disablement. Read further through this page to know more about the benefits, and exclusions of the personal accidental plan by Oriental Health Insurance.
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