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Oriental Health Insurance for Individual

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Oriental Health Insurance
Highlights
Claim SettlementDedicated Team
Claim Settlement Ratio93.96%
COVID-19 CoverYes
Network Hospitals4,300+
Policies Sold12,50,812
RenewabilityLifelong

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Disclaimer : Actual Premium might vary basis your location, age and number of members

Oriental Insurance : Health Insurance for Individual

When it comes to health insurance for individual, Oriental Insurance has Individual Mediclaim Policy to offer. Catering to the diverse medical needs of countless individuals across India, Individual Mediclaim Policy takes care of one’s financial stability by covering medical expenses related to hospitalisation and domiciliary hospitalisation in case of an illness, accident or any surgery. Affordable and dependable, the policy includes spouse, dependable children, parents/parents-in-law, and even unmarried siblings (if financially dependent) apart from the insured. On the whole, Individual Mediclaim Policy proves to be a fruitful investment.

Key Features

  • Policy term - 1 year
  • Sum insured options - Rs. 1 Lakh to Rs. 10 Lakh
  • Lifelong renewals allowed
  • Family discount of 10% on covering more than 1 person
  • No need for medical examination for people up to the age of 55 years
  • 5% discount in premium if TPA service aren’t chosen
  • Personal Accident available on optional basis for SI from Rs. 2 Lakh to Rs. 10 Lakh
  • Voluntary co-pay option of 10% & 20% with corresponding premium discount of 10% & 20% respectively on sum insured of Rs. 2 Lakh and above

Scope of Coverage

  • Hospital admission of minimum 24 hours
  • 30 days pre hospitalisation & 60 days post-hospitalisation expenses
  • Specified/listed daycare procedures requiring less than 24 hours hospitalisation
  • Dental treatment arising out of accident
  • Emergency ambulance charges
  • Organ donor expenses
  • Daily Hospital Cash
  • Domiciliary treatment
  • Ayurvedic, Unani and Homeopathic treatment in govt. hospitals/colleges

Eligibility

For Individual Mediclaim Policy, the minimum entry age is 18 years. Similarly, the maximum entry age for the policy is 65 years, however, it can be extended up to 70 years (on an additional premium of 10%).

Exclusions

  • Suicide or attempted suicide, intentional self-injury, insanity
  • Venereal disease(s)
  • Insured committing breach of law with criminal intent
  • War, invasion, act of foreign enemy, civil war, rebellion, and others
  • Death/disablement under the influence of intoxicating liquor or drugs

Does Individual Mediclaim Policy by Oriental Insurance seem the perfect individual health insurance choice to you? Call InsuranceDekho experts at 1800 1205 698 to gain detailed knowledge before you invest in the policy.

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Health Insurance Coverage Calculator

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Disclaimer : Actual Coverage might vary basis your location, age and number of members

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Oriental Health Insurance Contact Details

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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.

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FAQ About Oriental Health Insurance

  • Does Oriental Insurance Company offer any individual health insurance product?

    Yes, Oriental Insurance Company offers individual health insurance product by the name of Individual Mediclaim Policy.

  • What is the sum insured amount of Oriental Insurance individual plan?

    Oriental Insurance provides the sum insured option starting from Rs. 1 lakh to Rs. 10 lakh under its individual plan.

  • Is there any grace period option available under the individual policy of Oriental Insurance Firm?

    Yes, a 30-day grace period is available under the individual policy of Oriental Insurance Firm, on the occurrence of a delay in the policy renewal. However, no coverage shall be available during the grace period, and any disease/injury contracted during the break period shall not be covered and shall be treated as a pre-existing disease.

  • Does Oriental Insurance offer coverage for health check-up expenses under its individual plan?

    Yes, the cost of health check-up can be undertaken once at the expiry of a block of every 3 continuous claim-free years. The amount reimbursable will not be exceeding the amount equal to 0.75% of the average sum insured (SI for Personal Accident section is not to be considered), or Rs. 3000 per insured person, whichever is less, during the block of 3 continuous claim-free underwriting years. This benefit is available to the insured person after three claim-free years, till the expiry of the fourth year of the policy. If the benefit is not claimed in the fourth year of the policy, then in the future whenever the insured claims this benefit then the last three claim-free years preceding the year in which the benefit is claimed shall be taken into consideration.

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