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What Is Special About Individual Mediclaim Policy?

Oriental Individual Mediclaim Health Plan is a standard health insurance plan designed especially for individuals having different Sum Assured ranges, benefits and discounts which makes the plan quite flexible.

Features of Oriental Individual Mediclaim Health Insurance Policy

Check the features and coverage of Oriental Individual Mediclaim Health Insurance plan below:

Ambulance Charges

Rs 2,000 per hospitalisation, max upto Rs 4,000


10% of each claim

Daily Cash Allowance

0.1% of cover amount, max up to 6 days

Day Care Procedures

More than 30 procedures covered

Treatment At Home

Covered up to Rs. 50000

No Claim Bonus

5% of cover amount for every claim free year, max up to 26%

Exclusions of Oriental Individual Mediclaim Health Insurance Policy

Oriental Individual Mediclaim plan does not cover the following:

Ayush treatment

Cover restoration

Free health check-up

Maternity expenses

New born treatment

Opd expenses

Other Plans From Oriental

Oriental health insurance offers 1 health insurance plan. The premium of these plans starts from Rs. 1506/yr. The sum insured ranges from Rs. 1 Lakh - 50 Lakh. Details of the comprehensive coverage provided by the following 1 Oriental health insurance plan is listed below:

Calculate Individual Mediclaim Plan Premium

Use the Oriental health insurance premium calculator to estimate your health insurance premiums.

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Oriental Claim Settlement Ratio




Industry Average

Health claim settlement ratio is the percentage of claims settled against the total claims received by the insurance company in a given fiscal year. Oriental has a claim settlement ratio of 90.18%, as compared to the industry average of 94.21%.

Oriental Claim Process

Oriental supports both cashless claims and reimbursement claims. This section covers the information on how to check Oriental health insurance claim status, fill Oriental health insurance claim form, and the claim settlement process.

Cashless claims are when you seek treatment at a hospital which is tied-up with the insurance company. In this case, the company pays your hospital bills directly to the hospital.

Reimbursement claims are when you take treatments at a non-networked hospital. In that case, you would have to pay the medical bills yourself and then get them reimbursed from the insurance company. The claim process involves the below-mentioned steps

  1. You have to inform the TPA (Third Party Administrator) of the insurance company immediately about the claim
  2. If you are undergoing a planned hospitalisation, the information should be given 3-4 days in advance. In case of emergency hospitalisation, the TPA should be informed within 24 hours of your hospitalisation
  3. You would have to fill up a pre-authorisation form and submit it to the TPA. The TPA would forward this form to the insurance company based on which your claim would be approved
  4. Once the claim is approved by the insurance company, you can take treatments and the insurance company would handle the medical costs
  5. After you are discharged from the hospital, you should collect the discharge summary and all relevant medical bills and reports. You should, then, fill up the claim form and submit the form with all the documents so that the claim is settled

You can also make your health insurance claim through Turtlemint.Turtlemint has an internal claims department which handles customers claims.You just have to inform Turtlemint by calling up its toll-free number 1800 266 0101 or send an email at claims@turtlemint.com. Once the company is involved, its claim experts would get your claims processed so that you can get an easy and a quick settlement.

Oriental Health Insurance Renewal Process

Renewal Process for Oriental Health Insurance Policy - Online

Renewing your Oriental Health Insurance policy online is a straightforward process:

Step1: Go to the official Oriental Insurance website and choose ‘Renew’ option

Step 2: Enter your existing policy number when prompted and click ‘Renew Now’ to proceed with premium payment and Oriental health policy renewal

Step 3: After completing the online payment, you'll receive an email confirmation for your renewed health insurance policy

Renewal Process for Oriental Health Insurance Policy - Offline

For those preferring offline renewal, you have two options:

  • Call Oriental Insurance's toll-free number,1800-118-485, and communicate your renewal requirements or visit a Branch to renew your policy in person
  • Another way to renew is with the help of Turtlemint and our expert insurance advisors.For instant policy renewal, visit www.turtlemint.com or renew your Oriental Health Plan by downloading the Turtlemint App here

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