PNB Oriental Royal Mediclaim Insurance Policy
  • Individual or Family Floater
  • AYUSH Cover
  • Check the eligibility criteria
premium

Network hospitals

3500+

premium

Incurred claim ratio

130.09%

premium

Sum insured

Up to 50 Lakh

premium

No. of Plans

13

premium

Solvency Ratio

0.6

premium

Pan India Presence

1800+

Customized Health Insurance Plan for you.

Get upto 15% Online Discount*

Select Members You Want To Insure

Age of Eldest Member

premium

Network hospitals

3500+

premium

Incurred claim ratio

130.09%

premium

Sum insured

Up to 50 Lakh

premium

No. of Plans

13

premium

Solvency Ratio

0.6

premium

Pan India Presence

1800+

PNB Oriental Royal Mediclaim Policy

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.

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PNB Oriental Royal Mediclaim Policy Specifications

Entry Age

Minimum: Children- 91 days to 26 years Adult: 18 years Maximum: 79

Plan Type

Individual/ Family Floater

Sum Insured (in Rs.)

1 L - 10 L

Initial Waiting Period

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.

Read more specifications in the brochure.

Choose your PNB Oriental Royal Mediclaim Policy

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

In-patient & Out-patient Coverage

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

Coverage Terms

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

Alternative Treatments

AYUSH Treatment

Not Covered

IVF Treatment

Not Available

Modern Treatment

Not Available

Emergency Coverage

Ambulance

Covered up to 1K

Air Ambulance

Not Available

Compassionate Travel

Not Available

Global Coverage

Not Available

Wellness Programmes

E-Consultation

Not Available

Health Check-Up

Not Available

Second Medical Opinion

Not Available

Vaccination

Not Available

Limitations

Co-payment

Not Applicable

Sub-limits

Not Available

What is Room Rent?

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:

  • Private Single AC Room
  • Twin Sharing
  • General Ward

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.

What are ICU Charges?

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.

What is Pre Hospitalization?

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.

What is Post Hospitalization?

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.

What is Domiciliary Hospitalization?

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.

What is Daycare Treatment?

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.

What are OPD charges?

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.

What is COVID-19 Treatment?

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.

What is Cataract Treatment?

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.

What is a No-Claim Bonus?

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.

What is Automatic Restoration?

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.

What is Daily Hospital Cash?

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.

What is an Organ Donor Cover?

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.

What is a Maternity Cover?

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

What is a New Born Baby Cover?

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:

  • Congenital anomaly (conditions since birth)
  • Acute condition
  • Chronic condition
  • Pre-mature delivery
  • Birth asphyxia
  • Day care treatment

Coverage status under PNB Oriental Royal Mediclaim Policy?

Not covered

What is AYUSH Treatment?

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.

What is IVF Treatment?

In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:

  • Full infertility
  • No fertility
  • Infertility diagnosis
  • Infertility diagnosis and limited fertility treatment
  • Medication (which may or may not include fertility drug prescriptions)

Coverage status under PNB Oriental Royal Mediclaim Policy?

Not available

What is a Modern Treatment?

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

What is an Ambulance Cover?

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.

What is an Air Ambulance?

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).

What is Compassionate Travel?

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

What is Global Coverage?

Any kind of medical/health emergency when you are outside of India.

Coverage status under PNB Oriental Royal Mediclaim Policy?

Not available

What is E-Consultation?

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.

What is a Health Checkup?

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.

What is a Second Medical Opinion?

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.

What is Vaccination cover?

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.

What is Co-payment?

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.

What is the Sub limit?

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.

PNB Oriental Royal Mediclaim Plan Exclusions

Permanent Exclusions

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

Coverage after Waiting Period

Certain diseases and treatments are covered under this plan after a certain time period. Read the details below:

Pre-existing diseases after 36 Months

Sample Premium Illustration of PNB Oriental Royal Mediclaim Plan

To understand how much premium an amount one needs to pay, let us go through the below examples

1 Adult

Sum Insured (in Rs.) 5 Lakhs 7 Lakhs 10 Lakhs
Premium Payable 8,393 11,009 13,240

Explore PNB Oriental Royal Mediclaim Health Insurance

Know more about PNB Oriental Royal Mediclaim Health Insurance, its claim process, buying process, and contact details by clicking on the sections below:

Claim Process

Click to know the claim process of PNB Oriental Royal Mediclaim.

Buying Process

Click to know the buying process of PNB Oriental Royal Mediclaim.

Contact Us

For any query related to the policy get in touch with the PNB Oriental Royal Mediclaim

Renewal Process

Click to know the renewal process of PNB Oriental Royal Mediclaim

Explore other Oriental Health Insurance Plans

Oriental Health Insurance offers a wide range of health insurance plans to fulfill the medical needs of individuals, families, and senior citizens.

Happy Family Floater Policy

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

  • Covers SAARC countries
  • Midterm inclusion allowed
  • Assisted Reproduction Treatment

Happy Family Floater Policy (Pros)

  • New Born Baby Cover
  • Maternity Expenses Cover
  • Modern Treatments
  • Plastic Surgery Due To Injury
  • Family Floater Benefits

Happy Family Floater Policy (Cons)

  • No Gender Treatments
  • No Global Coverage
  • No Alcoholism Cover
  • No War Injury Cover
  • No Obesity/Weight Cover

Happy Family Floater Policy (Other Benefits)

  • Zone Wise Rates
  • Non-TPA Discount 5.5%
  • 10% Discount on Online Renewal
  • Waiver of Proportionate deduction
  • Dental Treatment Covered

Happy Family Floater Policy (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 1 L to 50 L
  • Waiting Period - 30 Days

Oriental Mediclaim Insurance (Individual)

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

  • Option of voluntary co-payment
  • Mental Illness coverage
  • No Medical examination required

Mediclaim Insurance (Individual)(Pros)

  • 10 % Family Discount
  • Daily Hospital Cash
  • Air Ambulance Cover
  • Personal Accident Cover
  • Lifetime Renewals

Mediclaim Insurance (Individual)(Cons)

  • No Suicide Cover
  • Co-Payment in Many Injuries
  • No Alcoholism Cover
  • No War Injury Cover
  • No Obesity/Weight Cover

Mediclaim Insurance (Individual)(Other Benefits)

  • Spouse Cover
  • Non-TPA Discount 5.5%
  • 10% Discount on Online Renewal
  • Family Cover
  • Dependent Child Covered

Mediclaim Insurance (Individual)(Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age -65 Years
  • SI - 10 L to 50 L
  • Waiting Period - 30 Days

Oriental Happy Cash-Nischint Rahein

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

  • Convalescence benefits
  • Lifelong renewal
  • Coverage for AYUSH

Happy Cash-Nischint Rahein (Pros)

  • Daily Cash Benefit
  • Day Care Treatment Cover
  • Parents-in-law Cover
  • Pre-Existing Disease Cover
  • Hospitalization Cover

Happy Cash-Nischint Rahein (Cons)

  • No Suicide Cover
  • No Unproven Treatment Cover
  • No Biological Injury Cover
  • No War Injury Cover
  • No Obesity/Weight Cover

Happy Cash-Nischint Rahein (Other Benefits)

  • Spouse Cover
  • Inpatient Expenses Cover
  • Acute Condition Cover
  • Ambulance Cover
  • Dependent Child Covered

Happy Cash-Nischint Rahein (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - NA
  • Waiting Period - 30 Days

Oriental Aarogya Sanjeevani Policy

Covers hospitalization charges for the individual and family members. It is a standard plan that covers many illnesses and annual medical checkups.

Unique Features

  • All daycare expenses covered
  • Cover parents and parents in law
  • Lifelong renewal with no exit age

Aarogya Sanjeevani Policy(Pros)

  • Domiciliary Expenses Covered
  • 5% Cumulative Bonus
  • Dental surgery Expenses
  • Ambulance Charge Cover
  • 5.5% Non-TPA Discount

Aarogya Sanjeevani Policy(Cons)

  • No Dietary Supplements Cover
  • No War Injury Cover
  • No Biological Injury Cover
  • No Rheumatism Cover
  • No Obesity/Weight Cover

Aarogya Sanjeevani Policy(Other Benefits)

  • Spouse Cover
  • Dependent Child Cover
  • 50% Medical Checkups Covered
  • Daycare Treatment Covered
  • ICU Cover

Aarogya Sanjeevani Policy(Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age -65 Years
  • SI -5 L to 20L
  • Waiting Period - 30 Days

Oriental Jan Arogya Policy

It provides health insurance coverage to the financially constrained sections of society at very nominal premiums ranging between Rs. 50 to 70.

Unique Features

  • Avail benefit up to Rs 5k
  • Domiciliary Hospitalization
  • In-patient hospitalization covered

Oriental Jan Arogya Policy(Pros)

  • Room Expenses Covered
  • Artificial Limbs Covered
  • Dental surgery Expenses
  • Pre-existing condition Cover
  • Maternity Covered

Oriental Jan Arogya Policy(Cons)

  • No Suicide Cover
  • No Maternity Cover
  • No Dietary Supplement Cover
  • No War Injury Cover
  • No Obesity/Weight Cover

Oriental Jan Arogya Policy(Other Benefits)

  • Pre- Hospitalization
  • Post-Hospitalization
  • Ambulance Cover
  • Cost of Organ Covered
  • Naturopathy Cover

Oriental Jan Arogya Policy(Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age -70 Years
  • SI -Rs 5000
  • Waiting Period - 30 Days

Oriental Pravasi Bharatiya Bima Yojana

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

  • Cover against HIV/AIDS
  • Female Maturity benefit
  • Personal Accident Cover

Pravasi Bharatiya Bima Yojana(Pros)

  • Air Ambulance
  • Permanent Disability Cover
  • Dead Body Carriage Expenses
  • Legal Expenses Covered
  • Mental Illness Cover

Pravasi Bharatiya Bima Yojana(Cons)

  • No Suicide Cover
  • No Unproven Treatment Cover
  • No Biological Injury Cover
  • No War Injury Cover
  • No Obesity/Weight Cover

Pravasi Bharatiya Bima Yojana(Other Benefits)

  • Oral chemotherapy
  • Nursing Expenses
  • Robotic surgeries
  • Deep Brain stimulation
  • AYUSH Cover

Pravasi Bharatiya Bima Yojana(Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 60 Years
  • SI - 10 L
  • Waiting Period - 30 Days

Oriental Super Health Top-up

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

  • Advanced surgeries covered
  • No Pre-acceptance till 55 years
  • AYUSH treatment covered

Super Health Top-up (Pros)

  • Organ Donor Benefit
  • Day Care Treatment Cover
  • Room Boarding Expenses
  • Newborn Baby Cover
  • SAARC Countries Cover

Super Health Top-up (Cons)

  • No Suicide Cover
  • No Unproven Treatment Cover
  • No Biological Injury Cover
  • No War Injury Cover
  • No Obesity/Weight Cover

Super Health Top-up (Other Benefits)

  • Maternity Cover
  • Nursing Expenses
  • Pre- Hospitalization
  • Post -Hospitalization
  • ICU Charges Covered

Super Health Top-up (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 3L to 5L
  • Waiting Period - 30 Days

Oriental Health of Privileged Elders

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

  • Discount on Voluntary Co-payment
  • Loading for new entrants
  • Telemedicine expenses

Health of Privileged Elders(Pros)

  • Domiciliary Expenses Covered
  • Eye Surgery Cover
  • Dental surgery Expenses
  • Parental Chemotherapy Cover
  • Orthopedic Diseases Cover

Health of Privileged Elders(Cons)

  • No Arthritis Cover
  • No Upper Respiratory Cover
  • No Biological Injury Cover
  • NoRheumatism Cover
  • No Obesity/Weight Cover

Health of Privileged Elders(Other Benefits)

  • No Claim Bonus
  • Accidental Injury
  • Knee Replacement
  • Chronic Renal Failure
  • Cancer Charges Covered

Health of Privileged Elders(Eligibility Criteria)

  • Entry Age - 60 Years
  • Max Entry Age -NA
  • SI -1 L to 5L
  • Waiting Period - 30 Days

Oriental Overseas Mediclaim Policy (E & S)

Coverage for medical expenses of various ailments to the policyholders residing outside of India for study and employment.

Unique Features

  • Accidental cover
  • Mental health cover
  • Permanent Total Disablement

Overseas Mediclaim Policy (E & S)(Pros)

  • Spouse Cover
  • Ambulance Cover
  • Permanent total disablement
  • Air Ticket Covered
  • Serious Injury Covered

Overseas Mediclaim Policy (E & S)(Cons)

  • No Pre Existing Disease Cover
  • No Dental Cover
  • No Cosmetic Surgery Cover
  • No War Injury Cover
  • No Obesity/Weight Cover

Overseas Mediclaim Policy (E & S)(Other Benefits)

  • Repatriation of Remains
  • Medical Evacuation
  • Legal Coverage
  • Contingency Insurance
  • Medical Expenses Benefits

Overseas Mediclaim Policy (E & S)(Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age -65 Years
  • SI - US $ 5,000
  • Waiting Period - 30 Days

Oriental Dengue Kavach Policy

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

  • One premium irrespective of age
  • Family Discount up to 5%
  • Free-look period available

Oriental Dengue Kavach Policy(Pros)

  • Spouse Cover
  • Dependent Child Covered
  • 5% Online Discount
  • Parent In-law Cover
  • No Medical Checkup

Oriental Dengue Kavach Policy(Cons)

  • No Suicide Cover
  • No Maternity Cover
  • No Dietary Supplement Cover
  • No War Injury Cover
  • No Obesity/Weight Cover

Oriental Dengue Kavach Policy(Other Benefits)

  • Pre- Hospitalization
  • Post-Hospitalization
  • Ambulance Cover
  • Divorced Daughter Cover
  • Easy Claim Processing

Oriental Dengue Kavach Policy(Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age -70 Years
  • SI -Rs 10000- Rs 20000
  • Waiting Period - 30 Days

Oriental Overseas Mediclaim Policy (B & H)

A combination of travel and health insurance that contains health benefits and offers coverage against loss during travel abroad.

Unique Features

  • Hijack distress allowance
  • Financial Assistance Emergency
  • Flight Delay Allowance

Overseas Mediclaim Policy (B & H)(Pros)

  • Loss of Limb Cover
  • Loss of Eye Covered
  • Permanent total disablement
  • Room Rent Covered
  • Serious Injury Covered

Overseas Mediclaim Policy (B & H)(Cons)

  • No Suicide Cover
  • No Maternity Cover
  • No Dietary Supplement Cover
  • No War Injury Cover
  • No Obesity/Weight Cover

Overseas Mediclaim Policy (B & H)(Other Benefits)

  • Repatriation of Remains
  • Medical Evacuation
  • Annual Multi-Trip Insurance
  • Contingency Insurance
  • Medical Expenses Benefits

Overseas Mediclaim Policy (B & H)(Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age -65 Years
  • SI -NA
  • Waiting Period - 30 Days

Oriental Critical Illness Policy

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

  • Personalized Health Advice
  • Two plan options to choose from
  • Coverage of up to 50 Lakhs

Critical Illness Policy(Pros)

  • Open heart replacement Cover
  • Cancer Cover
  • Benign brain tumor Covered
  • Bone marrow transplant
  • Loss of speech Covered

Critical Illness Policy(Cons)

  • No Coronary Syndromes Cover
  • No Other stem-cell transplants
  • No Angioplasty Cover
  • No Angina Pectoris Cover
  • No Coma Cover

Critical Illness Policy(Other Benefits)

  • Permanent paralysis of limbs
  • 10% Buying Online Discount
  • 10% Family Discount
  • Third Degree Burn Covered
  • Loss of Limbs Cover

Critical Illness Policy(Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age -65 Years
  • SI - Upto 20 Lakh
  • Waiting Period - 90 Days

Oriental Mediclaim Insurance Policy (Group)

It is a group health insurance plan that covers hospitalization and maternity expenses. The plan also covers low-claim discounts.

Unique Features

  • Mental Illness Cover
  • HIV Cover
  • Newborn baby expenses

Mediclaim Insurance Policy (Group) (Pros)

  • Diabetes Cover
  • Daily Hospital Cash
  • AYUSH Cover
  • Hernia surgery Cover
  • Psychiatrist Cover

Mediclaim Insurance Policy (Group) (Cons)

  • No Suicide Cover
  • No Gender Change Cover
  • No War Injury Cover
  • No Drug Abuse Cover
  • No Obesity Cover

Mediclaim Insurance Policy (Group) (Other Benefits)

  • Pre- Hospitalization
  • Post- Hospitalization
  • Indemnity Cover
  • Inpatient Cover
  • Daycare procedures Covered

Mediclaim Insurance Policy (Group) (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - NA
  • Waiting Period - 30 Days

Oriental Saksham Swatha Policy

The plan includes hospitalization, and Medical Advice. It also covers mental illness and modern treatments.

Unique Features

  • Experimental Treatment
  • Surgical Procedures Cover
  • Accident Injury Cover

Oriental Saksham Swatha Policy(Pros)

  • Day Care Treatment
  • AYUSH Cover
  • Emergency Care
  • Maternity Expenses Covered
  • Cataract Treatment covered

Oriental Saksham Swatha Policy(Cons)

  • No Suicide Cover
  • No Dental Cover
  • No Stem Cell Surgery Cover
  • No War Injury Cover
  • No Obesity/Weight Cover

Oriental Saksham Swatha Policy(Other Benefits)

  • Newborn Baby Cover
  • ICU Cover
  • OPD Treatment
  • Pre-Existing Disease Covered
  • Customary Charges

Oriental Saksham Swatha Policy(Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age -65 Years
  • SI - 4 L to 5L
  • Waiting Period - 30 Days

Oriental Bank Sathi Policy

A plan for people with native bank accounts, includes coverage for pre-existing conditions, assisted reproductive techniques and hospitalization.

Unique Features

  • AYUSH treatment
  • Modern Treatment
  • Mental Illness Cover

Bank Sathi Policy(Pros)

  • Maternity Expenses covered
  • New Born Baby Cover
  • Road Ambulance Cover
  • Maternity Expenses Covered
  • Teleconsultation covered

Bank Sathi Policy(Cons)

  • No Suicide Cover
  • No Dental Cover
  • No Stem Cell Surgery Cover
  • No War Injury Cover
  • No Obesity/Weight Cover

Bank Sathi Policy(Other Benefits)

  • ICU cover 2% of SI
  • 3 Dependent Child Cover
  • Midterm inclusion allowed
  • Hospital Daily cash
  • Cashless Claim Settlement

Bank Sathi Policy(Eligibility Criteria)

  • Entry Age - 3 Months
  • Max Entry Age -70 Years
  • SI - 2 L to 25L
  • Waiting Period - 30 Days

Oriental Cancer Project Policy

A plan specifically designed for the treatment of cancer, Dialysis and post-treatment follow-up. It offers Cancer Care Benefits even in SAARC Countries.

Unique Features

  • Advanced Metastatic Cancer
  • Teleconsultation Expenses
  • Cumulative Bonus

Cancer Project Policy(Pros)

  • Room Rent covered
  • Nursing Expenses Covered
  • Road Ambulance Cover
  • ICU expenses covered
  • Air Ambulance Cover

Cancer Project Policy(Cons)

  • No Suicide Cover
  • No Dental Cover
  • No Stem Cell Surgery Cover
  • No War Injury Cover
  • No Obesity/Weight Cover

Cancer Project Policy(Other Benefits)

  • Emergency Medical Evacuation
  • Organ Donor Expenses
  • OPD Cover
  • Second Medical Opinion Covered
  • Emergency Evacuation Care

Cancer Project Policy(Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age -65 Years
  • SI - 5 L to 50L
  • Waiting Period - 75 Days

Oriental Group Arogya Sanjeevani Policy

A standard health insurance plan that covers, hospital room rent (stay and bed charges), ICU services, and even new-age treatments.

Unique Features

  • ICU/ICCU Cover
  • Cataract Surgery
  • 5% Cumulative Bonus

Group Arogya Sanjeevani Policy(Pros)

  • AYUSH Cover
  • Plastic Surgery
  • Dental Cover
  • ICU expenses covered
  • Ambulance Cover

Group Arogya Sanjeevani Policy(Cons)

  • No OPD Cover
  • No Dental Cover
  • No Stem Cell Surgery Cover
  • 2% Room Rent Capping
  • 5% compulsory copayment

Group Arogya Sanjeevani Policy(Other Benefits)

  • Deep Brain Stimulation Cover
  • Stem Cell Therapy Covered
  • Oral Chemotherapy
  • Room Rent Covered
  • COVID-19 Cover

Group Arogya Sanjeevani Policy(Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age -65 Years
  • SI - 10L to 20L
  • Waiting Period - 30 Days

Oriental Personal Accident Policy

This plan is designed to provide you with accidental death and disability coverage, cover for financial support in times of disability.

Unique Features

  • Accidental death coverage
  • Partial and total disability benefit
  • Mortal remains mobility

Personal Accident Policy(Pros)

  • Temporary disability treatment
  • Death coverage benefits to the family
  • Accidental benefits
  • Financial coverage
  • Permanent Partial Disability cover

Personal Accident Policy(Cons)

  • PEDs not covered
  • Adventure sports not covered
  • No Stem Cell Surgery Cover
  • Vaccination not covered
  • COVID-19 care not covered

Personal Accident Policy(Other Benefits)

  • Trusted insurer
  • Accidental treatment benefits up to SI
  • Cashless claim settlement
  • Worldwide accidental cover
  • Optional non-medical cover

Personal Accident Policy(Eligibility Criteria)

  • Entry age - 10 - 80 Years
  • SI - INR 25,000 - 5 Lakhs
  • Policy tenure - 1 Year

PNB Oriental Royal Mediclaim Insurance Policy: FAQs

1. What is the waiting period for pre-existing diseases under PNB Oriental Royal Mediclaim policy?

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.

2. When the PNB Royal Mediclaim policy cannot be renewed?

If the insured individuals commit fraud, misrepresentation, non-cooperation, or moral hazard, the insurance company will not renew the policy.

3. Is it possible to include a family member in the middle of the policy period?

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).

4. Did this policy cover the treatments that do not require hospitalization for a whole day?

Yes, the PNB Oriental Royal Mediclaim policy offer coverage for daycare treatment.

5. Can Oriental Insurance cancel my PNB Oriental Royal Mediclaim policy?

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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PNB Oriental Royal Mediclaim Health Insurance Review

Read what customers have to say about PNB Oriental Royal Mediclaim Health Insurance.

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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...

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Ritika

Kanpur

June 9, 2022

I purchased an insurance plan from oriental insurance and I am happy to be a part of this organization.

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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

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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

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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

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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!

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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

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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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