Oriental Health Insurance

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