Oriental Health Insurance for Individual

When it comes to health insurance for individual, Oriental Insurance has Individual Mediclaim Policy to offer. Catering to the diverse medical needs of countless individuals across India, Individual Mediclaim Policy takes care of one’s financial stability by covering medical expenses related to hospitalisation and domiciliary hospitalisation in case of an illness, accident or any surgery. Affordable and dependable, the policy includes spouse, dependable children, parents/parents-in-law, and even unmarried siblings (if financially dependent) apart from the insured. On the whole, Individual Mediclaim Policy proves to be a fruitful investment.

Key Features

• Policy term - 1 year
• Sum insured options - Rs. 1 Lakh to Rs. 10 Lakh
• Lifelong renewals allowed
• Family discount of 10% on covering more than 1 person
• No need for medical examination for people up to the age of 55 years
• 5% discount in premium if TPA service aren’t chosen
• Personal Accident available on optional basis for SI from Rs. 2 Lakh to Rs. 10 Lakh
• Voluntary co-pay option of 10% & 20% with corresponding premium discount of 10% & 20% respectively on sum insured of Rs. 2 Lakh and above

Scope of Coverage

• Hospital admission of minimum 24 hours
• 30 days pre hospitalisation & 60 days post-hospitalisation expenses
• Specified/listed daycare procedures requiring less than 24 hours hospitalisation
• Dental treatment arising out of accident
• Emergency ambulance charges
• Organ donor expenses
• Daily Hospital Cash
• Domiciliary treatment
• Ayurvedic, Unani and Homeopathic treatment in govt. hospitals/colleges

Eligibility

For Individual Mediclaim Policy, the minimum entry age is 18 years. Similarly, the maximum entry age for the policy is 65 years, however, it can be extended up to 70 years (on an additional premium of 10%).

Exclusions

• Suicide or attempted suicide, intentional self-injury, insanity
• Venereal disease(s)
• Insured committing breach of law with criminal intent
• War, invasion, act of foreign enemy, civil war, rebellion, and others
• Death/disablement under the influence of intoxicating liquor or drugs

Does Individual Mediclaim Policy by Oriental Insurance seem the perfect individual health insurance choice to you? Call InsuranceDekho experts at 1800 1205 698 to gain detailed knowledge before you invest in the policy.