Oriental Health Insurance Corporation Limited was established in 1947 and since its inception, it has established its place in the Indian insurance sector as a very trustworthy and efficient company providing world-class service to its customers.
The company has over 30 centers in India and also abroad and has successfully penetrated both the urban and non-urban sectors in India, with more than 1800 fully operational offices. The reason for this success is mainly due to the feasibility of the policies that they offer along with the fact that mediclaim is becoming a very necessary and integral part of modern life in order to prevent against unforeseen medical events and situations, which can have very serious financial repercussions, as well as serious physical repercussions, without the right hospital care.
Oriental Insurance Mediclaim Policy would provide for the insured person’s pre and post hospitalisation expenses in the event of a critical illness, accident or surgery.
Oriental Health Insurance Mediclaim Policy Plans
There are a wide variety of health insurance policies that are provided by Oriental Health Insurance. Below we have listed some of the main mediclaim policy plans for you:
The Main Features of Oriental Insurance Mediclaim Policy
We can see above that Oriental Insurance Mediclaim Policy includes many different types of plans, which offer different benefits. But there are some salient characteristics of Oriental Insurance Mediclaim Policy, which are maintained throughout most of their plans. We would be discussing those for you to provide you a general overview of these plans. Before choosing any of them for you and your family, ensure that you make policy comparisons online and do your own research in order to find the plan that is most suitable for your life.
Below are the main features of Oriental Insurance Policies:
Under Oriental Mediclaim Policy, you can choose between individual mediclaim as well as family floater mediclaim policies. At one time, there can be coverage available for a maximum of 7 individuals, including 4 adults.
You would be covered for the costs of hospitalisation as well as recovery. So the time frame for such coverage is 30 days before hospitalisation and 60 days for any kind of post-hospitalisation complications and recovery needed.
Customers at the end of a claims-free period of 4 years would be eligible for free health check-ups.
Individuals and families insured under Oriental mediclaim plans would have to pay 10% of the claims amount
The Oriental Mediclaim Policy would cover any pre-existing diseases that the insured might have had, at the end of 4 continuous years of coverage by the insured.
Oriental Insurance Mediclaim Policy offers life-long renewability. So you and your family would be able to be covered under this policy throughout your lifetime. Along with this Oriental Insurance Mediclaim Policy renewal is a quick and easy process.
Oriental mediclaim plans also would pay for the rooms that you might need to rent in the hospitals. This payment would be under 1% of the total sum insured or Rs. 5000, whichever is less.
The Benefits from Oriental Insurance Mediclaim Policy
There is a 10% discount of the premium, which is applied in case you want to include your family under your mediclaim policy.
Oriental mediclaim also offers you the option of settling your claim without having to deal with cash. Thus, you have the option of quick and easy transactions.
Oriental Insurance Mediclaim Policy hospital list includes top rated and well-located hospitals. In fact the hospital network strength of Oriental mediclaim plans is over 4300. This is definitely a huge benefit for customers who are contemplating whether to buy mediclaim from them.
The reviews for Oriental Insurance Mediclaim plans are overall, very good. They are a very old and established company in India with a proven track record of fair claims settlement. The company also has good reviews on its grievance settlement policies. Over the years, this company has been able to withhold a huge percentage of loyal customers and the reasons for this has been its impeccable customer care and focus on customer satisfaction.
Mediclaim polices should be viewed as a necessity rather than an indulgence, considering the uncertainty surrounding modern lives. And Oriental Mediclaim Policy would definitely enable you to enjoy the mental satisfaction of knowing that your and your family’s health needs would be taken care of in case of any accident, injury or illness.
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