The only certainty
in today’s world is uncertainty itself. And as they say, with health and
safety, you can never be too cautious. Accidents can happen to anyone and at
any time. One can never be too cautious.
Oriental Insurance
Oriental Insurance
is as old as modern India itself. The organization was established in 1947. The
head office is in New Delhi. It spans across India and a few other countries
such as Dubai, Kuwait and Nepal. The insurance policies offered are in the
various fields such as:
● Motor Insurance
● Health Insurance
● Shopkeeper Insurance
● Personal Accident Insurance
Oriental Insurance offers a number of different health plans, as specified below.
Individual Mediclaim Insurance Overview
|
Minimum Entry Age
|
Medical Check-up
above 45 years
|
|
Maximum Entry
|
80 years
|
|
Policy Term
|
1 year
|
|
Minimum Sum Assured
|
50,000 to 5 lacs
|
Why should you buy Individual Mediclaim
Insurance?
The policy offers
surgery coverage, and policy renewal can be done indefinitely.
Features
● Cashless hospitalization
● Surgery to cover diseases suffered
while policy tenure
● Sum assured options up to Rs 5 lacs
Benefits
● In-Patient Hospitalization - medical costs
covered for hospitalization beyond 24 hours
● Pre-Hospitalization – all medical
cost incurred 30 days prior to
hospitalization
● Post-Hospitalization - all medical cost
incurred 90 days post the discharge from the hospital.
● Discount of 10% on premium provided a
family member is covered
● Tax benefits
Eligibility
● Residing citizens of India
● Available till 80 years of age
Inclusions
● Sudden Ailments
● Injury due to accident
Exclusions
● Maternity expenses
● Pre-existing ailments
Happy Family Floater Policy
|
Minimum Entry Age
|
18 years
|
|
Maximum Entry
|
60 years
|
|
Minimum Sum Assured
|
1 to 10 lacs
|
|
Variants
|
Silver or Gold
|
Why should you buy Happy Family Floater
Policy?
The policy offers
a reliable cover for individual, better half and children.
Premiums
Gold Plan
● Proposer: Ranges from Rs.7,140 till
Rs.23,640.
● Personal Accident: Ranges from Rs.120
till Rs.600.
● Each member of the family: Ranges from
Rs.1,290 till Rs.18,080.
Silver Plan
● Proposer: Ranges from Rs.1,320 to
Rs.10,400.
● Personal Accident: Ranges from Rs.60 to
Rs.300.
● Each family member: Ranges from Rs.240
to Rs.7,970.
Features
● For entire family
● Sum assured options up to Rs 10 lacs
● Choice between TPA service or non-TPA
Benefits
● In-Patient Hospitalization - medical
expenses covered for hospitalization beyond 24 hours
● Cash allowance on daily basis
● Cashless Hospitalization
● Tax deductions allowed on the payments
of premium made in a year
Eligibility
● Coverage from the minimum age of 18
years to a maximum age of 60 years.
Inclusions
● Coverage allowed for person, dependent
parents, spouse, a dependent child, parents-in-law, grandchildren
Exclusions
● Mental illness
● Pre-existing ailments
Procedure for claim filing:
1. Cashless:
Pre-authorization is needed. If everything checks out, a letter of
pre-authorization is issued to the person by Oriental Insurance Company
2. Reimbursement:
The policyholder
needs to intimate Oriental India about the injury, the illness, the hospital,
etc
You may like : Non-Life Coverage with Oriental Insurance
Documents Required:
A number of documents need to be submitted to Oriental Insurance. These
documents are medical prescriptions, hospital bills, lab reports, doctor’s
diagnosis, pharmacy bills, doctor’s medical certification, all original test
reports, all the prescription notes, hospital’s registration number, a count of
beds in the facility, count of operation theatres in the facility.
Claims Process:
TPA needs to be informed regarding the claim being made within a period
of seven days from the date of individual’s hospitalization. The claim document
must be filled completely and sent to the Insurance Group along with bills,
reports, etc. within a period of one month (i.e. 30 days) from discharge date
of the patient. In the event that TPA requests any other documents, they must
be submitted as well.
There is a registered address to which the documents need to be sent.
Oriental House, A-25/27,
Road- Asaf Ali Road,
City- New Delhi
Pin- 110002.
Other health
insurance policies offered by Oriental India are PNB - Oriental Royal
Mediclaim, Janata Personal Accident, Nagrik Suraksha, HOPE - Health of
Privileged Elders, etc
Review:
Oriental Insurance group is a trustworthy name
in the field of insurances. They offer a wide variety of insurance plans to
choose from. Their policies cover various segments and not limited to health
insurance policies. On the contrary, their motor insurance policies are
particularly popular.
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