Oriental Individual Mediclaim

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Oriental Insurance Individual Mediclaim Policy

 

This is a basic health insurance policy which covers medical expenses incurred by a person due to any illness, injury or accident and requires sudden or planned hospitalization for treatment or surgery.


 

Key Features of Oriental Insurance Individual Mediclaim Policy

 

  • Mediclaim insurance cover for treatment against illnesses
  • Also Covers for accidental injuries and surgery requirement
  • Covers planned and unplanned hospitalization expenses till the sum assured coverage amount

 

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What is covered in Oriental Insurance Individual Mediclaim Plan?

 

  • Medical expenses incurred during hospitalisation for treatment of illness, injury or surgery
  • Expenses incurred 30 days prior to hospitalisation
  • Treatment expenses up to 60 days after being discharged from the hospital

 

 

Additional Benefits of Oriental Insurance Individual Mediclaim Plan

 

  • No medical check up for individuals below the age of 45 years

 

 

Eligibility and Restrictions of Oriental Insurance Individual Mediclaim Policy

 

 

Minimum

Maximum

Coverage Amount (in Rs.)

50,000

5,00,000

Policy Term (in years)

1

1

Entry Age (in years)

5

70

Renewable till Age (in years)

-

80

 

 

 

Tax Benefits in Oriental Insurance Individual Mediclaim Policy

 

Exemption under income tax (80D of Income Tax Act) for Premium paid by cheque will be offered to the policyholders

 

 

Exclusions - What is not covered in Oriental Insurance Individual Mediclaim Policy?

 

  • Pre-existing diseases are not covered under this plan
  • There is an initial waiting period of 30 days within which no claim will be admitted except any injuries due to accident
  • Maternity related expenses, pregnancy and child birth is not included
  • Treatment for certain diseases like Fistula of anus, Piles, Cataract operation, Benign prostatic hypertrophy, Hysterectomy, Menorrhagia or Fibromyoma, Hernia, Sinusitis, Asthmatic complications, Bronchitis, etc are not covered
  • All Psychiatric or Psychosomatic disorders are also excluded from this policy.

 

 

Alternate health insurance plans from other insurance companies

 

National Insurance Mediclaim Policy

Reliance Mediclaim Policy

New India Assurance Mediclaim

 

 

Other Health Insurance plans from Oriental Health Insurance

 

Oriental Insurance Personal Accident Policy

Oriental Insurance Universal Health Insurance Scheme

~ By Deepak Yohannan
Note: This is a statement of facts based on the information collected from the Oriental Individual Mediclaim brochure and insurance company's website. It should not be construed as a Critical or Favourable Oriental Individual Mediclaim Review, Analysis or Recommendation.
Insurance is a subject matter of the solicitation.


Leave a Comment

I have took policy from RB of Oriental Insurance as Medicalime for my Parents and want to claim tax return but need receipts from Oriental and not from R B Hospitality. How to get.
My details are
Policy no : 121300/48/2013/4188

By Santosh Salunkhe on Feb 22, 2013 Reply

Sir,

Please tell me difference between Crown Policy & Royal Policy of RB hospitality?

By Sakshi Naik on Feb 10, 2013 Reply

PLEASE , i want address of R.B.HOSPITALITY'S ADDRESS IN AHMEDABAD AS EARLY AS POSSIBLE FOR NEW MEDICLAIM RENEW DATE

By Joshi Mehul on Jun 19, 2012 Reply

plz mail me sir that upto what age i can renew my happy family floator policy which i took from oriental insurance co right now i am 32

thanx

By Abhishek Pahadia on Apr 07, 2012 Reply

ORIENTAL CASHLESS MEDICLAIM
(PRE-EXTISTING DISEASE COVER FROM 1 ST RENEWAL)
COVER U R WHOLE FAMILY
CONTACT - MR.SANKET K
MOBILE-9702855340
sanket.kharare@gmail.com

By Sanket K on Mar 17, 2012 Reply

sir/madam,

I have taken insurance policy on 28/03/2011

please send doctors list at ahmedabad area.


Thanking you,
Purav Shah

By Shah Purav on Feb 24, 2012 Reply

give me other details such as only one year policy and its renewal inclusion of illness claim of policy and premium of policy

By Laxman Verma on Feb 13, 2012 Reply

To whom the premium cheque to be issued?Oriental Ins.co or Oriental Bank of commerce.

By Ashok Sule on Jan 01, 2012 Reply

dear sir,

R. B. Hospitality and health services claims that its a part of oriental health insurance and covers pre-existing diseases after 1 year
is it true ? please let me know
contact me on 9819796913

By Chhaya on Dec 30, 2011 Reply

D/SIR
I HAVE FLOATER POLICY NO.254001/48/2011/2396 DATED 15.12.2010 IN GHAZIABAD(U.P)
I WANT RENEWAL OF THIS POLICY THROUGH BANK .THIS IS POSIVAL OR NOT.
PL.TEL ME .
THANKS & REGAREDS
BABU SINGH

By Babu Singh on Aug 31, 2011 Reply

buy online

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