Oriental Individual Mediclaim

• 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

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

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

• 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.