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





Coverage Amount (in Rs.)



Policy Term (in years)



Entry Age (in years)



Renewable till Age (in years)






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

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