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Oriental Individual Mediclaim
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
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.