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Oriental Insurance Individual Mediclaim Health Insurance

Entry Age (years)  
Minimum 18
Maximum Policy Renewal Age (years) 80
Coverage Type Individual
Sum Insured (Rs)  
Maximum 500000
Minimum 50000
Policy Term (years) 1
Discount 5% on premium if Third Party Administrator (TPA) services are not availed
Pre Policy Medical Check Up Not required for persons below 45 years of age
Policy Termination Insurance company may cancel the policy by giving a 30 days notice period. Insurance company in such a case will repay the pro-rata premium to the insurer if claim has not been made. Insurer may also cancel the policy at any time.
Customer Service  
Address Oriental House,
A-25/27, Asaf Ali Road,
New Delhi - 110002
Mail to [email protected]
Call to 1800 11 8485 (toll free), 011-33208485(non toll free)
Scope of Cover
Cashless facilityavailable if treatment availed in a network hospital
Reimbursement facilityavailable if treatment availed in a non-network hospital
Pre and post hospitalisationcovers expenses incurred during 30 days prior to hospitalisation and 60 days after discharge from hospital
Inpatient hospitalisationcovered
Room, boarding and nursing expensescovered upto lower of 1% of sum insured or Rs 5000 per day
I.C.U chargescovered upto lower of 2% of sum insured or Rs 10000 per day
Surgeon, anaesthetist, medical practitioner, consultants, specialist fees, blood, oxygen, chemotherapy, Radiotherapy, Artificial limbs, Cost of prosthetic devices implanted during surgical procedure like pacemaker etc., X-Raycovered
Other benefits
Domiciliary treatmentcovered
Ambulance servicesreimburses upto 1% of sum insured or Rs 2000 whichever is less
organ donor's hospitalisation expensesmedical expenses for treatment of organ donor in case of major organ transplant is covered
Day care procedurescovers those treatments which do not require an overnight stay in the hospital due to technological advancement
Cost of health check-upreimburses an amount upto maximum of 1% of average basic sum insured once after every 4 claim free years
Exclusions and Waiting Period
Pre-existing illnesseswill be covered after 4 years of continuous renewal with the company
No claim periodinitial 30 days from inception of the policy
Waiting periodcertain illnesses such as Hernia, Piles, Cataract, Hypertension, Diabetes etc, will be covered after a waiting period of 2 years.Joint Replacement due to degenerative condition and Age related osteoarthritis, and Osteoporosis will be covered after a period of 4 years.
General ExclusionsAIDS or related diseasesMental or related illnessesCosmetic or beauty treatment