These policies are beneficial as they provide customized coverage benefits at reasonable prices. However, daily workload and related things may soon take a toll on your health. (vii) Option of voluntary co-payment of 10% and 20% with corresponding premium discount of 10% and 20% respectively on SI of Rs.2lacs and above. Personal Accident. Mar 11, 2018 11:49 AM Read. The co-payment is applicable on each and every claim, which means the insured will bear 10% or 20% (as opted by him) of co-payment on each and every claim. No. 1 lakh to Rs. I hereby declare that I have included all the bills / receipts for the purpose of this claim & that I will not be making any supplementary claim except the pre/post-hospitalization Sum Insured for Oriental Mediclaim Insurance Policy . Today the Oriental Insurance Travel health insurance premium is one of the most competitive in the market across all their plans apart from being competitive in their benefit structure. You can add your family members to the Oriental Mediclaim Insurance Policy at the time of renewal. Lastly, when it comes to sum insured options, they are available from Rs. THE ORIENTAL INSURANCE COMPANY LIMITED, Regd. Documents and conditions required to buy Oriental Insurance Group Mediclaim Policy are, Proposal form and Self declaration form is to be filled in block letters and in duplicate. Oriental Insurance HOPE – Health of Privileged Elder policy has been uniquely designed for Senior Citizens aged 60 years and above. About Oriental Individual Mediclaim Policy Health Insurance. Oriental Insurance Overseas Travel Insurance is today one of the leading Government Owned general insurance players in India with a lot of focus on both retail and group insurance products. The cover also extends to pre- hospitalsation and post- hospitalisation for periods of 30 days and 60 days respectively, For Details please refer policy documents/ Prospectus, INDIVIDUAL MEDICLAIM POLICY - PROPOSAL FORM, INDIVIDUAL MEDICLAIM POLICY - CUSTOMER INFORMATION SHEET, (To read or print PDF, you will need the Adobe Acrobat Reader, version 4.0 or later, installed on your computer. Oriental Individual Mediclaim Policy - Check Plan Details Oriental Individual Mediclaim Policy This health insurance plan provides cover to the policyholder in case of medical expenses following hospitalization or domiciliary hospitalization in the following scenarios: Get list of Oriental Insurance network hospitals in Ernakulam with cashless facility for your affordable treatments. (viii) No medical examination for persons upto the age of 55 years. Oriental Insurance Overseas Mediclaim Plan - Get details about Overseas Mediclaim insurance, its features, premium and quotes comparison from top health insurers at PolicyX. Coverage for family comprising of spouse, parents/parents-in-law (either of them), and unmarried siblings (in case financially dependent on the proposer), apart from dependent children is allowed as well. The benefits of the plan can be seen from the fact that apart from comprehensive cover for hospitalisation and domiciliary benefits, the plan also offers cover for medical expenses in respect of organ donor. 5,00,000, it will be in multiples of INR 1,00,000 up to INR10,00,000. Wherever family members are covered, a discount of 10% in premium is available. Differences Between Tax-deductions on Life and Hea... Preventive Health Check-Ups and Tax Deductions, Daily hospital cash allowance for greater than 2 days of continuous hospitalisation, Hospitalisation expenses for donating an organ by the donor, Personal accident cover as an optional benefit, Pre-existing diseases after four continuous renewals, Aesthetic treatment or expenses related to plastic surgery, Circumcision, vaccination, inoculation unless part of an illness. With some decent benefits on offer like personal accidental cover and survival benefit, the policy is tailor-made to provide comprehensive health cover. The policies offered by Oriental Insurance company are very useful and have large scope of coverage. Individual Mediclaim policy will be available to any individual between the age of 18 to 65 years (Extended to 70 years) for treatment in India. There are separate tax laws under the Income tax act for bot... A policyholder can avail tax benefits on the payment of prem... For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989. Hospitalization that lasts for more than one day due to ill-health, sickness or surgery can be claimed. The policy covers specified diseases in case of hospitalisation only and requires compulsory co-payment of 20%. Even the plan covers treatment expenses related to Ayurvedic/Homeopathic/Unani treatment when the treatment is taken as an in-patient. The company specializes in providing cover for mega projects such as power plants, steel, chemical and petrochemical plants. Oriental Insurance premium calculator is available for all types of general Insurance policies. PNB Oriental Royal Mediclaim Insurance Policy. (iv) Pre-existing diseases covered after four consecutive renewals. 3000 for every block of three claim-free policy years. Oriental Bank Mediclaim Policy was launched on 3 rd October 2011. (v) Life long renewals allowed. Attach two stamp size photographs of each insured person on … A dependable solution, the policy can be availed for a period of 1 year. Cost of spectacles, contact lenses, hearing aids, etc. Oriental Mediclaim policy is an insurance cover which takes care of a number of medical expenses following a sudden illness, hospitalisation due to an accident, or in case the policyholder needs to undergo a surgery for any condition arising during the policy tenure. Oriental Insurance Individual Mediclaim Policy is an inpatient hospitalization policy which covers medical expenses following hospitalization/ domiciliary treatment due to Illness/ Diseases/ Accident. The sum insured options under the policy range anywhere from Rs. No. 10 lakh. PNB-Oriental Royal Mediclaim Policies offers family floater schemes that cover up to 4 family members under a single health insurance policy. GROUP MEDICLAIM POLICY - POLICY DOCUMENT . Oriental Insurance company is one of the only public sector General Insurance Company in India. The policy would definitely suit the best to your needs. hospitals/colleges, Daily Hospital Cash allowance in case of more than 2 days of continuous hospitalisation, Add-on of Voluntary Co-payment & Personal Accident Cover, Coverage for pre-existing diseases after 4 years of waiting period, Premium adjustment at renewal, for the period of OMP cover taken from the insurer, Family discount of 10% (including on PA cover) if more than one person is covered, 5.5% discount on premium if TPA services not opted for, Tax benefits under Section 80D of the Income Tax Act. In Oriental Insurance Individual Mediclaim Policy, you can avail Income Tax benefit under Section 80D of the Income Tax Act. All you need to Know about No-Claim Bonus in Healt... High or Low Deductible Health Insurance - Which to... Insurers Can Use Video Based KYC Identification. Oriental Insurance Company is one of the popular health insurance brands in the country. However, the maximum entry age can be extended up to 70 years upon payment of additional premium. We as a vibrant and dynamic leading non-life insurer, understand your need and offer comprehensive insurance products, that, provide the added protection for you, your family members, your property and your vehicles. It can be difficult to deal with financial and emotional stress at the same time. Policy Details, Cost, Suitability and Reveiew of Oriental Insurance Individual Mediclaim Health Insurance, The Oriental Insurance Insurance Company, to seek necessary medical information / documents from any hospital / Medical Practitioner who has attended on the person against whom this claim is made. Individual Mediclaim Policy of Oriental Insurance is one of the most affordable policies available, which provides cover for medical expenses related to hospitalisation and domiciliary hospitalisation in case of an illness, accident or any surgery related to disease which has arisen during the policy period. While buying a health policy, you must carefully assess the pros and cons it offers.Oriental's individual health insurance plan does not provide features like lifelong renewability and no claim bonus. However, mid-term inclusion is permitted for newly married spouses or newly born children up to the age of 3 months during the policy period. For more information regarding Tax Benefits, visit www.taxqueries.in. Oriental Insurance company is one of the only public sector General Insurance Company in India. Family discount of 10% in … 10 Lakh. Please be aware of the Oriental Insurance Mediclaim Prospectus, which is put up on the website. (i) The Policy term is one year and is available to any proposer between the age of 18 to 65 years for treatment taken in India. Know about the PNB Oriental Royal Mediclaim Policy below. 3 lakh and goes up to Rs. Oriental Overseas Travel Mediclaim Insurance is available to Indian Citizen between 6 months and 70 years of age who are undertaking bonafide trips outside India which will not involve any form of manual work and do not exceed 180 days duration unless specifically extended. (iii) Sum Insured (SI) available from Rs.1lac to Rs.10lacs. The main features of the products are outlined here below: It seems that the Individual Mediclaim Policy has been designed to suit my medical needs. You should choose the best one according to your needs. Detailed Review of Oriental Mediclaim Insurance Policy. It provides the required coverage on physician services, hospitalization expenses, local emergency medical transportation and medical services among others. The proposer can also get his family covered (as defined under 2.1). Oriental Insurance Individual Mediclaim Policy. The prime features other than those related to medical expenses covered under the policy include -. (xvi) Premium adjustment at renewal, for the duration of OMP cover taken from Oriental. (B) In case of an accident. The Oriental Insurance Company Ltd. All rights reserved Insurance is the subject matter of solicitation. It also has a highest waiting period of 4 years along with sub-limits imposed on room rent & ICU. Talking about the sum insured range of Oriental Super Health Top-Up, it starts from Rs. There is no pre-acceptance medical examination required for persons up to the age of 55 years. (xi) Hospitalisation expenses incurred for donating an organ by the donor (excluding cost of organ) to the insured person, is covered (xii) Ambulance charges covered (xiii) Personal Accident available on optional basis for SI from Rs.2lacs to Rs.10lacs. Oriental Insurance Company’s insurance product portfolio is designed to meet with the needs of various customers across the nation, keeping in mind different requirements in regards to the coverage for different sectors. I have purchased the Individual Mediclaim Policy after conducting thorough research. If you are looking to buy a health insurance plan mainly to cover your entire family including your parents and parents-in-laws, Oriental’s Happy Family Floater plan is one to consider. Health problems are increasing and so is the medical inflation. PNB Oriental Royal Mediclaim Policy is one of the best Mediclaim Insurance Policy. You should choose the best one according to your needs. Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request. About The Oriental Insurance Company Ltd. - The Oriental Insurance Company Ltd was incorporated at Mumbai on 12th September 1947. I request all Mediclaim Policy Holders to read t... Read More. 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