The importance of mediclaim policy has included it in the category of basic necessity. However, people are still confused about what possible benefits they can get from the Oriental Insurance Mediclaim. Moreover, if they have the policy, they do not know how to go through the claim procedure.
One of the most popular insurance policies provided by the Oriental Insurance Company is the mediclaim one. Offering a wide range of policies for meeting the needs of senior citizens, young population and family members, oriental insurance mediclaim policy rises above all. This effective policy for all the Indian citizens has become useful for everyone regardless his/her age or economic status in the society.
Information on Oriental Insurance New Mediclaim Policy
Oriental Insurance Mediclaim offers coverage on the hospitalisation expenses and the hospitals are required to be completely licensed consisting of efficient authorities. Additionally, if you choose the treatment network hospitals are:
Generally, you are provided with the coverage on any treatment for oriental insurance mediclaim online purchase when you stay in the hospital for 24 hours. The perks of the policy include the sum insured amount ranging from Rs. 1 lac to Rs. 10 lacs. Additionally, you can get lifetime renewals along with all the ambulance charges so that you get the utmost level of protection from financial loss. Moreover, the insured can get 5.5% off in premium if he/she does not choose to use the TPA service.
What are the Exclusions?
When you are choosing the Oriental Insurance Mediclaim, you are offered huge benefits but you always do not get coverage for every injury or treatment. The insured imposes certain rules and regulations on the pre-existing disease and the insurer may not get coverage for the pre-existing diseases always.
Things to Keep in Mind
When you are applying for the insurance you need to update yourself with oriental insurance mediclaim rates. You should read the terms and condition of the cancellation policy to understand why it is charged Rs. 101. In addition to the context, the policy follows the legal aspects of regulation 5 of IRDA (Protection of Policyholder Interest) regulation.
What is a Claim in Oriental Insurance Mediclaim?
The claim is the procedure through which you request the insurance company to offer compensation or coverage for the medical expenses. After validating the claim and approving, the insurance further agrees to proceed with the payment. In addition to the context, the interested party of the insured can apply for the oriental insurance mediclaim policy renewal on behalf of the insured.
What to Do with Claim Form
You invest in Oriental Insurance Mediclaim to enjoy the benefits when the need arises. For availing the service, you need to go through the oriental insurance mediclaim premium chart to understand on what basis your premium is decided. Now when the time of claiming comes, you can take help of the insurance agent who will walk you through the procedure. At first, you need to get hold of oriental insurance mediclaim form from the official website or branch of Oriental Insurance Mediclaim.
In the oriental insurance mediclaim policy form, you need to fill certain things up.
Oriental Insurance Mediclaim Claim Form Procedure
When you are done filling up the form, you need to submit to the agents of Oriental Insurance Mediclaim along with the premium receipt and policy. Additionally, the medical treatment and discharge reports are to be submitted. Original test reports of sonography, X-Ray and ECG must be provided for making use of the benefits of oriental insurance mediclaim for senior citizens.
Hence, now you know how it is easy for you to ask for the claim and get help whenever any medical contingencies arise. If you still are confused about the pre-hospitalisation and post-hospitalisation charges, you can ask the customer service.
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