Compare & Buy Car, Bike and Health Insurance Online - InsuranceDekho
Track & Policy DownloadLogin

Oriental PNB Oriental Royal Mediclaim Health Insurance

165 reviews Rate This
Oriental Health Insurance
PNB Oriental Royal Mediclaim 2017
Claim SettlementDedicated Team
Claim Settlement Ratio93.96%
COVID-19 CoverYes
Network Hospitals4,300+
Policies Sold12,50,812
RenewabilityLifelong

About Oriental PNB Oriental Royal Mediclaim Health Insurance

PNB Oriental Royal Mediclaim 2017 offers comprehensive coverage to the insured, that the account holders of Punjab National Bank and its associated banks can purchase. On the basis of beneficiary and registered account holders the policy offers three plan variants namely One Account-One Policy, Multiple Account-One Policy, and One Person One Policy. The policyholders can cover their medical expenses for a long period of time with this policy as it offers lifelong renewal facility to them.

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. It offers several coverage features to the insured, some of which include in-patient hospitalisation expenses, pre-hospitalisation and post-hospitalisation expenses, organ donor expenses, daycare treatments, AYUSH treatment, domiciliary hospitalisation expenses, ambulance expenses, cash allowance, funeral benefits, medical test expenses, etc. Another good news is that you can avail tax benefits on the premium paid for this policy, under Section 80D of the Income Tax Act, 1961.

Health Insurance Calculator

Whom do you want the insurance for ?

You
Couple
Family
Father
Mother

Select the age of all members

  • You

Where do you live ?

Choose required Coverage for yourself?

5 Lac
10 Lac
25 Lac
Disclaimer : Actual Premium might vary basis your location, age and number of members
Need help?

Get FREE Personalized Insurance Advice At Your Home

Key Inclusions and Exclusions of the Plan

What's Included

  • Hospital admissions of at least 24 hours
  • Ambulance charges for Rs. 1,000 per hospitalisation and in aggregate in any policy period
  • Daily hospital cash allowance benefit up to a specific limit
  • Medical expenses incurred 30 days prior to hospitalization and 60 days from date of discharge
  • Specified or listed daycare procedures that require less than 24 hours hospitalization
  • Donor expenses when the insured is the recipient

What's Not Included

  • Excluded providers
  • Change of gender treatments, cosmetic surgery and plastic surgery is not covered under this health isnurance policy
  • Hazardous or adventure sport are not covered under this plan
  • Treatment required due to self-injury is not covered under this plan
  • Refractive error, cosmetic dental surgeries and substance abuse
  • Obesity and weight control

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.

FAQs on PNB Oriental Royal Mediclaim 2017 Health Insurance Plan

  • What is the waiting period for pre-existing diseases under PNB Oriental Royal Mediclaim 2017?

    PNB Oriental Royal Mediclaim 2017 comes with a waiting period of 36 months for pre-existing diseases and 12/24/36 months for specific diseases. 

  • What is the payout basis for PNB Oriental Royal Mediclaim 2017?

    The PNB Oriental Royal Mediclaim 2017 offers cashless services for covered expenses in network hospitals and reimbursement of covered expenses.  

  • What are the insured’s rights under PNB Oriental Royal Mediclaim 2017?

    Insured’s rights under PNB Oriental Royal Mediclaim 2017 include free look period, renewability benefits, migration and portability benefits, increase in sum insured during policy term, and Turn Around Time for issuance of pre-authorization and settlement of reimbursement. 

  • What are the renewability conditions under PNB Oriental Royal Mediclaim 2017?

    PNB Oriental Royal Mediclaim 2017 is ordinarily renewable as per the terms and conditions of renewability. 

  • Can the Oriental Insurance cancel my PNB Oriental Royal Mediclaim 2017?

    Yes. Oriental Insurance can, at any time, cancel your policy on the grounds of misinterpretation, fraud by you as an insured, by giving a 30 days notice. Also note that no refund of premium will be given in case of cancellation on the above grounds.

Health Insurance Articles

  • Latest Articles
  • Popular Articles