Oriental – Individual Mediclaim

8.9

Premium Amount

₹6,073.00

Oriental Individual Mediclaim Health Plan is a standard health insurance plan designed especially for individuals having different Sum Assured ranges, benefits and discounts which makes the plan quite flexible.

Cover :₹ 4.0 Lakhs
Bonus / NCB :5% of cover amount for every claim free year, max up to 26%
Copay :10%
Claims Settled :89.1%

Category: Health Insurance

100% Cover restoration

Free Health Check-up

Daily cash allowance

0.1% of cover amount, max up to 6 days

Ambulance charges

Rs 2,000 per hospitalisation, max upto Rs 4,000

Pre-hospitalisation

Expenses for 30 days covered

No claim bonus

5% of cover amount for every claim free year, max up to 26%

Post hospitalisation

Expenses for 60 days covered

Ayush treatments

Maternity

Outpatient Expense

Organ donor expenses

Covered up to Rs. 400000

New-born treatment

Domiciliary Hospitalisation

Covered up to Rs. 50000

Recovery allowance

Sum Insured

4 Lakh

E- Consultation

Pros

5% of cover amount for every claim free year, max up to 26%

Domiciliary Hospitalisation

Covered up to Rs. 50000

cons

Category: Health Insurance

USP of This Plan

Cover :₹ 4.0 Lakhs
Bonus / NCB :5% of cover amount for every claim free year, max up to 26%
Copay :10%
Claims Settled :89.1%

Our Take

8.9Expert Score

Cover :₹ 4.0 Lakhs
Bonus / NCB :5% of cover amount for every claim free year, max up to 26%
Copay :10%
Claims Settled :89.1%

Best value score

8.9

Policy Exclusions :

Name: Oriental - Individual Mediclaim - BestValuesGuide
Price: 6073.00 INR
Availability: InStock

Any claim other than accidental claims inside 30 day waiting period

Obesity & weight control

Any claim for PEDs made during the waiting period of 36 months for 1 & 2 year policies or 30 months for 3 year policy.

Change of gender treatments

Any claim for specific procedures or diseases during the waiting period of 24 months

Cosmetic or plastic surgery

Investigation & Evaluation

Hazardous or adventure sports

Rest care & rehab outside the limits covered

Breach of law

Alcholism, drug or substance abuse

Excluded providers

Treatment recieved in nature clinics, health hydros, spas, etc and dietary supplements and substances purchase without prescription

Refractive error

Unproven treatments

Sterility, Infertility expenses and Maternity expenses over and above those covered in the policy

Claims settlement

If you go to a non-network hospital, you will have to get the claim settled on reimbursement basis by providing the original bills and documents to the insurer

If you get admitted to a network hospital, you can get a cashless authorization from the insurer and then the insurer will settle the expenses directly with the hospital.

₹6,073.00

Oriental – Individual Mediclaim

★★★★★

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Cover :₹ 4.0 Lakhs
Bonus / NCB :5% of cover amount for every claim free year, max up to 26%
Copay :10%
Claims Settled :89.1%

8.9Expert Score

Cover :₹ 4.0 Lakhs
Bonus / NCB :5% of cover amount for every claim free year, max up to 26%
Copay :10%
Claims Settled :89.1%

Best value score

8.9

Specification: Oriental – Individual Mediclaim

Co-pay	10%
Claims settlment Ratio	89.1%
Sum Insured	4 Lakh
100% Cover restoration	na
No claim bonus	5% of cover amount for every claim free year, max up to 26%
Free Health Checkup	NA
Ambulance charges	Rs 2,000 per hospitalisation, max upto Rs 4,000
Daily Cash Allowance	0.1% of cover amount, max up to 6 days
Pre-hospitalisation Expenses	Expenses for 30 days covered
Post hospitalisation expenses	Expenses for 60 days covered
Organ donor expenses	Covered up to Rs. 400000
Maternity	NA
New-born treatment	NA
Domiciliary Hospitalisation	Covered up to Rs. 50000
Outpatient	NA
Ayush treatments	NA
Day Care Procedures	NA
Abundance of network hospitals	NA
Pre-existing diseases (PED)Coverage	4 years
Recovery allowance	NA
Room Rent Limit	NA
Tele-Consultation	NA
The waiting period	covers accident related hospitalisation from day 1. Other hospitalisations are covered from 30 days after the policy start date
Treatment at Home	NA

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Oriental – Individual Mediclaim

Oriental – Individual Mediclaim

Premium Amount

100% Cover restoration

Free Health Check-up

Daily cash allowance

Ambulance charges

Pre-hospitalisation

No claim bonus

Post hospitalisation

Ayush treatments

Maternity

Outpatient Expense

Organ donor expenses

New-born treatment

Domiciliary Hospitalisation

Recovery allowance

Sum Insured

E- Consultation

Pros

cons

USP of This Plan

Our Take

Policy Exclusions :

Claims settlement

Oriental – Individual Mediclaim

Specification: Oriental – Individual Mediclaim

User Reviews

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