- About Coverfox
|Oriental Insurance Network Hospital||4300+|
|Hospitalization Cover||Pre & Post hospitalization cover||Co-payment||10%|
|Incurred Claim Ratio||108.80%|
|No. of members||Oriental Health Insurance plan covers maximum 7 members of your family with up to 3 children and 4 adults.||Health Check-ups||Offers health check-up for insured after every 4 continues claim-free year.|
|Pre-existing diseases||Pre-existing diseases are covered after 4 years of waiting period|
There are two ways to make a claim under a Health Insurance Policy on cashless basis and on reimbursement basis. In simple terms, for making a claim on cashless basis, the treatment must be done only at a network hospital of the insurance company servicing your policy. For availing the treatment, you would have to first seek an authorization as per the procedures laid down and in the prescribed form. In case of claims on reimbursement basis, the insurance company has to be informed as per their prescribed procedures. The policyholder has to ensure that documents such as claim form, discharge summary, prescriptions and bills to be submitted for the claim on reimbursement are obtained after hospitalization.
Oriental Health Insurance has a well-defined claim processing system.
Cashless Service: Seeking Pre-Authorization
Reimbursement Claim: Claim Submission
In case of any emergencies, you need to inform Oriental Insurance within 24 hours of the admission. In case of planned emergencies, the notification has to reach the company 48 hours prior to the hospitalization. The claim intimation can be done via Oriental Insurance's toll free number 1800-118-485. The same could also be emailed to firstname.lastname@example.org.
• Could be better
What are the modes of payment available? - You can make the premium payment for Oriental Health Insurance via cash at the branch or do an online payment. Online payment can be made via net banking/credit or debit card.
If you are a registered policy holder, simply login to the e-Portal with your registered user ID and Password. Once logged in, you can check all the details of your policy.
You can cancel your existing Oriental Health Insurance Plan by submitting the policy documents at the nearest branch. The premium will be refunded post deduction of cancellation and other applicable charges.