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 Oriental Health Insurance
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 Individual Mediclaim Policy
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Oriental Insurance

Individual Mediclaim

Standard Health Insurance Plan
Coverage available upto 10 Lakh
Total cashless network hospitals 4200
93.96% Claim Settlement Ratio
Standard Health Insurance Plan
Coverage available upto 10 Lakh
Total cashless network hospitals 4200
93.96% Claim Settlement Ratio
family premium calculation
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Overview

The Individual Mediclaim provided by Oriental Insurance offers a health cover against medical expenses due to Domiciliary Hospitalisation or General Hospitalisation. This health cover is mainly offered in three cases, firstly in the case of sudden illness, secondly, in the case of accident & thirdly, in case of a surgery required due to a disease specified in the policy document. Please read further to understand all the features & benefits of this plan.You can also check whether you are qualified for this plan or not & also understand what is covered and what is not covered in this plan. Less

The Individual Mediclaim provided by Oriental Insurance offers a health cover against medical expenses due to Domiciliary Hospitalisation or General Hospitalisation. This health cover is mainly offered in three cases, firstly in the case of sudden illness, secondly, in the case of accident & thirdly, in case of a surgery required due to a disease specified in the policy document. Please read further to understand all the features & benefits … More

Features of Individual Mediclaim

Key features to look for while selecting your health insurance plan
Sum Assured:
0%

Copay

Copay
Copay is the percentage of the claim amount that is borne by an insured person.
Rs 1,000/- limit

Room Rent

Room Rent
Room rent limit is the maximum amount of per day room charges that you can claim in case you get admitted to a hospital.
4 years

PED Waiting period

PED Waiting period
The amount of time you need to wait for, from the start of your policy, to be able to use the benefits in case of a particular disease
Available

Health checkup

Health checkup
This plan offers a free health checkup of up to Rs. 750, after a period of 3 years, provided you have not filed a claim.

What is covered?

Sum Assured:
Pre hospitalization
30 days

Pre hospitalization

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What is Pre hospitalization
Medical expenses up to 30 days before admission will be covered.
Post Hospitalization
60 days

Post Hospitalization

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What is Post Hospitalization
Medical expenses up to 60 days after discharge will be covered.
Health checkup
Available

Health checkup

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What is Health checkup
This plan offers a free health checkup of up to Rs. 750, after a period of 3 years, provided you have not filed a claim.
Hospital Daily Cash
Rs 100

Hospital Daily Cash

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What is Hospital Daily Cash
For longer duration hospitalization, this plan provides a fixed amount per day for small expenses. Total limit for such expenses is Rs. 100
Ambulance charges
Covered

Ambulance charges

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What is Ambulance charges
You can claim up to a maximum of Rs. 1,000 for ambulance charges.
AYUSH Cover
Covered

AYUSH Cover

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What is AYUSH Cover
Sidha, Ayurvedic, Homeopathic, Unani are covered up to a sum of Rs 10,000
Home hospitalization
Covered

Home hospitalization

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What is Home hospitalization
Treatment taken at home for any medical reason, if hospitalization is not possible. This is a rare scenario and is termed as 'Domiciliary Hospitalization'. In such a scenario, expenses of up to Rs 20,000 are covered in this plan.
Organ Donor
Covered

Organ Donor

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What is Organ Donor
In case of an organ transplant and there is a need of an organ donor, hospitalisation charges for the organ donor are covered in this plan. However, the cost of finding a donor is not covered.
Day Care
116 procedures upto S.I.

Day Care

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What is Day Care
Health insurance covers medical expenses only for hospitalizations exceeding 24 hours. Day care procedures refers to medical treatment undertaken in a hospital requiring less than 24 hours due to technological advancement. This plan covers listed day care procedures as mentioned in the policy wordings.
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What’s not covered

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Maternity
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Renewal Bonus
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Restore benefits
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OPD
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War related Injuries
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Cosmetic Surgery
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Lasik eye treatment
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Damage while driving under the influence of liquor or drugs

Cashless network hospitals

You don’t have to pay a penny to get your treatment done in the network hospitals of Oriental Insurance.
Search for number of nearby cashless network hospitals in your area.
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4200
Network Hospitals in India
Search cashless hospitals in your area
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16

Eligibility criteria

AGE ELIGIBILITY

18 years
Adult
60 years
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POLICY PERIODS

1
year(s)

Waiting period

After
4 years
You can claim for any pre-existing conditions after 4 years of the policy start date.
After
30 days
A 30 days cooling period for all claims except any arising out of accidental injuries

About Oriental Insurance

Oriental Insurance Company Ltd. today is one of the leaders in providing general insurance in India. It was established in Mumbai on 12th September, 1947. In the beginning, it was a fully-owned subsidiary of the Oriental Government Security Life Assurance Company Ltd. From the year 1956 to 1973, it became a subsidiary of (LIC) Life Insurance Corporation of India prior to the General Insurance business being nationalized in India. Currently, the company head office is in New Delhi. It has a wide network of nearly 30 regional offices & 1800+ branches that are active across different regions of our country. The company has its international presence through its branches in Dubai, Kuwait & Nepal. Less

Oriental Insurance Company Ltd. today is one of the leaders in providing general insurance in India. It was established in Mumbai on 12th September, 1947. In the beginning, it was a fully-owned subsidiary of the Oriental Government Security Life Assurance Company Ltd. From the year 1956 to 1973, it became a subsidiary of (LIC) Life Insurance Corporation of India prior to the General Insurance business being nationalized in India. Currently, … More

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family premium calculation
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Want Expert Advice?
Talk to our Insurance experts to choose the right plan as per your medical needs.
I hereby authorize Oneinsure to communicate with me on the given number for my Insurance needs. I am aware that this authorization will override my registry under NDNC. Less
I hereby authorize Oneinsure to communicate with me on the More
Thank you for scheduling a call with us! One of our Health Insurance experts will call you shortly.
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