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Oriental Health Insurance
Oriental Insurance is a pathfinder in setting methods for the smooth and systematic conduct of the insurance business in India. The strength of the company lies in its expert and highly motivated workforce that includes several disciplines having deep expertise.
Oriental's Individual Mediclaim Policy is basic health insurance plan which offers coverage in case of hospitalization for individuals.
For children : 91 days
Minimum : 18 years
Maximum : 65 years
Maximum Members : 7
Maximum Adults : 4
Maximum Children : 4
50,000 to 5 lakh
10% Family Discount
More than 45 years
Covers day-care treatments.
Does not offer any no-claim bonus.
Does not cover expenses towards organ donor.
The insurance company will compensate you for the medical expenses related to your hospitalization 30 days before the hospitalization.
The insurance company will pay you for the medical expenses related to your hospitalization 60 days post hospitalization.
Does not offer any restore benefit.
You cannot claim for any OPD treatments.
This policy does not offer any daily hospital cash.
Offers complimentary health check-up that covers some listed tests, once every four claims-free underwriting years, not exceeding 1% of the average basic sum insured.
You can claim for the expenses towards a treatment at home, provided it meets the defined conditions.
This plan does not cover expenses related to non-allopathic treatment.
This plan provides ambulance cover in the range of Rs. 2,000 or 1% of the sum insured, whichever is less.
This plan does not provide any special eye cover.
This plan does not cover maternity costs.
This policy covers for dental treatment only following an accident.
This plan does not offer any recovery benefit.
This policy does not provide additional cover for critical illness.
For any reason, should you decide not to proceed with the policy, you can return the same and request for a refund within 15 days from the date of receipt of the policy document.
The plan has defined limits for room rents and is equal to:
The plan does not have any co-payment clause.
A 30 days cooling off period for all claims except any arising out of accidental injuries.
The policy covers some specific diseases/treatments only after 24 months. These include Cataract, Hysterectomy, Myomectomy for Fibroids, and so forth.
You can claim for any pre-existing conditions after 48 months from the policy start date.
The Plan will not cover any liabilities towards the treatments of following conditions-
While buying a health policy, you must carefully assess the pros and cons it offers. Oriental's Individual plan does not provide features like lifelong renewability and no claim bonus. It also has a highest waiting period of 4 years along with sub-limits imposed on room rent & ICU. On a brighter side, the plan extends broad coverage with some decent benefits like family discounts with the reasonable premium.**Reviews and ratings are based only on Benefits and Conditions. Things like Claim Settlement Ratio, Hospital Network have not been covered under product ratings. These are covered under Company ratings.