What is the entry age under the policy?

The entry age under the policy is between 18 to 65 years. However, the maximum entry age can be extended up to 70 years upon payment of additional premium.

Are there newborn and maternity benefits available under the plan?

No. The policy does not provide cover for maternity and newborn treatment expenses.

Are there any renewal benefits available?

There is health check-up benefit of up to 0.75% of average SI, subject to maximum Rs. 3000 for every block of three claim-free policy years.

What is the cost-sharing option available under the plan?

There is a voluntary co-payment option of 10% and 20% with the corresponding discount on the premium of 10% and 20% respectively on SI of Rs. 2 Lakh and above.

Are there any limit for room, boarding and nursing expenses cover?

The room, boarding and nursing expenses are covered not exceeding 1% of the Sum Insured per day.

What is the limit for cover for ICU expenses?

The ICU expenses are covered not exceeding 2% of the Sum Insured per day.

Does the company offer any discounts if more than one person is covered under this policy?

If more than one person is covered, then there is a family discount of 10% (including on PA cover).

Is pre-acceptance medical check-up required to obtain this policy?

There is no pre-acceptance medical examination required for persons up to the age of 55 years.

Is pre-acceptance medical check-up reimbursed by the company?

In the case of fresh covers, 50% of the medical checkup cost is borne by the company, subject to acceptance of the proposal.

Are there any other discounts available under the policy?

There is a discount of 5.5% in the premium amount provided if TPA services are not opted for purchase or renewal of the policy.

Oriental Individual Mediclaim Health Insurance Wordings

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Highlights

Claim Settlement	Dedicated Team
Claim Settlement Ratio	93.96%
COVID-19 Cover	Yes
Network Hospitals	4,300+
Policies Sold	12,50,812
Renewability	Lifelong

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Oriental Individual Mediclaim Policy Brochure

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Jul 18, 2019

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Oriental Health Insurance Plan List

Critical Illness (1)
Family (2)
Kids (1)
Maternity (1)
Woman (1)
Individual (3)
Parents (1)
Senior Citizen (1)

Name of Plan	Sum Insured
Arogya Sanjeevani PolicyMin: 3 months; Max: 65 yearsPopular	1 Lakh - 5 Lakh	Check Premium
Happy Family Floater PolicyMin: 91 Days; Max: 70 Years	1 Lakh	Check Premium
PNB Oriental Royal Mediclaim 2017Min: 91 days; Max: 79 years	1 Lakh - 10 Lakh	Check Premium
Jan Arogya Bima PolicyMin: 5 years; Max: 70 years	5000	Check Premium
Corona Rakshak PolicyMin: 18 Years; Max: 65 Years	50,000 - 2.5 lakh	Check Premium
Corona Kavach PolicyMin: 1 day; Max: 65 years	50,000 - 5 lakh	Check Premium
Happy Cash Min: 3 Months; Max: No Limit	500/day	Check Premium
HOPE (Health of Privileged Elders)Min: 60 Years; Max: No Limit	1 Lakh	Check Premium
Individual Mediclaim PolicyMin: 18 Years; Max: 70 Years	1 Lakh	Check Premium
OBC Oriental Mediclaim Policy 2017Min: 91 days; Max: 79 years	1 Lakh - 10 Lakh	Check Premium

Oriental Health Insurance Top Up List

Family (1)
Maternity (1)
Top-up (1)

Name of Plan	Sum Insured
Super Health Top-upMin: 91 Days; Max: 70 Years	3 Lakh	Check Premium

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FAQs on Individual Mediclaim Policy Health Insurance Plan

What is the entry age under the policy?
The entry age under the policy is between 18 to 65 years. However, the maximum entry age can be extended up to 70 years upon payment of additional premium.
Are there newborn and maternity benefits available under the plan?
No. The policy does not provide cover for maternity and newborn treatment expenses.
Are there any renewal benefits available?
There is health check-up benefit of up to 0.75% of average SI, subject to maximum Rs. 3000 for every block of three claim-free policy years.
What is the cost-sharing option available under the plan?
There is a voluntary co-payment option of 10% and 20% with the corresponding discount on the premium of 10% and 20% respectively on SI of Rs. 2 Lakh and above.
Are there any limit for room, boarding and nursing expenses cover?
The room, boarding and nursing expenses are covered not exceeding 1% of the Sum Insured per day.
What is the limit for cover for ICU expenses?
The ICU expenses are covered not exceeding 2% of the Sum Insured per day.
Does the company offer any discounts if more than one person is covered under this policy?
If more than one person is covered, then there is a family discount of 10% (including on PA cover).
Is pre-acceptance medical check-up required to obtain this policy?
There is no pre-acceptance medical examination required for persons up to the age of 55 years.
Is pre-acceptance medical check-up reimbursed by the company?
In the case of fresh covers, 50% of the medical checkup cost is borne by the company, subject to acceptance of the proposal.
Are there any other discounts available under the policy?
There is a discount of 5.5% in the premium amount provided if TPA services are not opted for purchase or renewal of the policy.

View More Questions

Claim Process at Oriental Health Insurance

Network Hospital
Non-Network Hospital

1
Claim Assistance
For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
2
Claim Intimation
Emergency hospitalisation needs intimation as soon as it occurs and for planned hospitalisation intimate as soon as it occurs prior to admission.
3
Claim Processing
Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
4
Claim Settlement
Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.

1
Claim Assistance
For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
2
Claim Intimation
Emergency hospitalisation needs intimation as soon as it occurs and for planned hospitalisation intimate as soon as it occurs prior to admission.
3
Claim Processing
Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
4
Claim Settlement
Once your request for reimbursement of expenses is approved, the claim will be settled.

Oriental Health Insurance Contact Details

Reach us for help anytime

Insurance Dekho
755 1196 989Mon to Sun 10:00 AM to 7:00 PM
support@insurancedekho.com
Oriental Health Insurance
1800-118-48524x7
csd@orientalinsurance.co.in