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Top Features From Oriental Health Plans

Features and benefits of Oriental health insurance policies Health insurance policies offered by the Oriental Insurance Company are characterized by the following features and benefits

  • The company has its presence pan India with more than 29 regional offices, 1800+ offices and a wide distribution channel with about 13,500 employee
  • The company’s gross premium at the end of the financial year 2018-19 stood at INR 13,199 crores showing the popularity of the company’s products
  • Besides selling insurance in India, Oriental Insurance also offers insurance plans in Dubai, Nepal and Kuwait making it a multinational company

Benefits of Oriental health insurance policies :

  1. Pre-hospitalisation: The medical costs incurred before you are actually hospitalised for treatments are called pre-hospitalisation expenses. These expenses can be incurred on medical check-ups, diagnostics, doctor’s consultations, etc. Pre-hospitalisation costs are covered for a specific period before actual hospitalisation
  2. Inpatient hospitalisation : When you are admitted to a hospital for 24 hours or more, it is called inpatient hospitalisation. On such hospitalisation, the costs incurred towards room rent, doctor’s fee, surgeon’s fee, anaesthetist’s fee, nurse’s fee, medicine, oxygen, etc. are covered
  3. Post hospitalisation: After being discharged from the hospital you incur various medical expenses for monitoring the recovery. These expenses are called post hospitalisation expenses and they are also covered for a specified period
  4. Ambulance expenses:The expenses incurred on an ambulance to take you to the hospital for treatments are covered under Oriental health insurance plans up to specified limits
  5. Daycare treatments: If you undergo treatments which do not need you to be hospitalised for 24 hours because of advanced techniques, such treatments would be covered under this category of daycare treatments
  6. Organ donor treatments: Expenses incurred in harvesting an organ from a donor for your transplant treatments are covered under most Oriental health insurance plans
  7. Domiciliary treatments: Treatments which you take at home are called domiciliary treatments. These treatments are covered under some plans if the treatments are done because of non-availability of hospital beds or because you were not in a condition to be transported to the hospital
  8. Maternity treatments: Some Oriental health insurance plans cover expenses incurred on normal as well as Caesarean deliveries, prenatal care and postnatal care. The newborn baby can also be covered from birth
  9. Alternative treatments: Expenses incurred on non-allopathic means of treatments are also covered up to specified limits under many plans. These non-allopathic treatments include Ayurveda, Unani, Siddha and Homeopathy (AYUSH) Other benefits of Oriental health insurance plans

Exclusions Across Oriental Health Plans

There are some instances of claims for which you would not get coverage under Oriental health insurance plans. These are called exclusions and some of the common exclusions which you can find in all health plans of the company include the following

  • In the case of pre-existing illnesses, coverage is allowed only after a specified waiting period. Claims for pre-existing conditions occurring during the waiting period would not be covered
  • There are some specified illnesses for which coverage is allowed after a specified waiting period
  • Dental treatments, maternity and outpatient expenses are not covered under the plan unless otherwise mentioned
  • Mental disorders and related treatments are not covered
  • War, rebellion, mutiny, nuclear risks and other related perils are not covered
  • Cosmetic treatments are not covered under health insurance plans
  • Sexually transmitted illnesses and HIV/AIDS infections are excluded from coverage
  • Self-inflicted injuries attempted suicide and deliberate injuries are not covered
  • Congenital illnesses and debilitating conditions are not covered

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At the time of buying a health insurance policy from Oriental Insurance, the following documents would be required

  • Identity proof
  • Age proof of yourself and the members being covered
  • Address proof
  • Photographs

Yes, you can buy as many health insurance plans as you like. There is no restriction on the number of policies that you can buy.

Dependent children are covered until 18 years or 25 years of age. Dependent daughters can be covered until they are married.

No, maternity cover is allowed after a waiting period. The policy might have a waiting period of 24 to 48 months depending on the policy.
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