Why Buy Health Insurance Oriental Policies?

In today’s world, it's become necessary to buy a health insurance plan, and among the wide range of insurance companies, the choice must be difficult for you. But don’t worry, in this post you will learn about the Health Insurance Oriental plan and know why it is the best for you. So continue to read and know more!

Oriental Insurance Company Ltd.

The company provides excellent customer service to the policyholders, so there won’t be any delay in meeting the customer needs. Through its prudent underwriting and efficient proper claim management service, you will have no problem in an emergency or regular claim.

The insurer effectively manages your reinsurance operations and helps to make your investments for optimising yield. With the company effective risk management systems, there is a smooth payment service for the claim amount as per the policyholder requirement. All these features makes Health Insurance Oriental a vibrant and dynamic leading non-life insurer.

List of Policies

Now after having a brief introduction of the company, let’s check out its offerings -

Health Insurance Oriental Happy Family Floater Policy -

In this policy, your entire family who resides in India will be covered that includes Self, Spouse, Children, Parents and Parents in-laws. You can purchase this Health Insurance Oriental plan in Silver, Gold and Diamond. The following are the features of the policy:

• Extension to SAARC countries without any additional premium payment

• Under Diamond Plan get a Sum Insured from INR 12 lakh to INR. 20 Lakh

• Insured gets an organ donor benefit when he/she is the donor

• Provide maternity expenses

• New Born Baby Cover

• Survival Benefit

• Sum Insured restoration

• Day Care Procedure

Health Insurance Oriental Personal Accident Policy (Individual)

There is plenty of accident news on tv every day, and we also are exposed to the risks of accidents in our day to day lives. This Health Insurance Oriental policy provides compensation in the event you sustain injuries from an accident that results in death or disablement whether temporary or permanent. Have a look at the policy coverage below:

• If an injury is caused within 12 calendar months of its policy occurrence, the Capital Sum Insured (CSI) which is stated in the schedule will become payable.

• If the injury within these 12 calendar months of its occurrence causes total and Irrecoverable loss of sight of both eyes or, physical separation of two entire hands or two entire feet or either one entire hand and one entire foot, the Capital Sum Insured in the schedule for such cause will become payable.

• If an injury disables the Insured from engaging in any employment or occupation of any description, a lump sum equal to 100% of the Capital Sum Insured will be payable to him.

Health Insurance Oriental Arogya Sanjeevani Policy

This health insurance oriental policy covers the below-listed benefits and it shall be available to all Insured Persons:

• Room Rent, Boarding, Nursing from Hospital or Nursing Home (policy cover up to 2% of the sum insured that is subject to a maximum of INR. 5,000/-, per day expense)

• Intensive Care Unit (ICU) or Intensive Cardiac Care Unit (ICCU) (policy cover up to 5% of sum insured that is subject to a maximum of INR. 10,000/- per day expense)

• Surgeon, Anesthetist, Medical Practitioner, Consultants, Specialist Fee (whether it is paid directly to the doctor, surgeon, or the hospital)

• Anaesthesia, blood, oxygen, operation theatre, surgical appliances, medicines and drugs, and any such similar expenses.

• Cataract treatment

• Dental treatment, if it is necessitated due to a disease or injury

• Plastic surgery, if it is necessitated due to a disease or injury

• All daycare treatments

• Road Ambulance fee that is subject to a maximum of INR. 2,000/- per hospitalisation

Note: Expenses of Hospitalization are payable if it is for a minimum period of 24 consecutive hours. However, the time limit is not applicable in respect of Day Care Treatment. In case you are admitted to a room, ICU, ICCU at a rate above the aforesaid limits, the reimbursement or payment of all other expenses, with the exception of the cost of medicines, will get affected in the same proportion as the admissible room rate bears to the actual rate.

• The Insurer will compensate the medical expenses for inpatient care treatment under Ayurveda, Yoga, Naturopathy, Unani, Siddha and Homeopathy systems of medicines each policy year. For this, a maximum limit of sum insured is specified in the policy schedule.

• The insurer compensates the medical expenses incurred for treatment of Cataract, this subject to a limit of 25% of the Sum Insured or INR.40,000/-.

• The company pays pre-hospitalization medical expenses, related to any admissible hospitalization, for a fixed period of 30 days before hospitalization.

• The company pays post-hospitalization medical expenses, related to any admissible hospitalization where the insured was admitted as an inpatient care, for a fixed period of 60 days from the date of discharge.

Also under this health insurance oriental policy, the following procedures are covered under the policy, for which up to 50% of Sum Insured, specified in the policy schedule, during the policy period:

• Uterine Artery Embolization

• High Intensity Focused Ultrasound (HIFU)

• Balloon Sinuplasty

• Deep Brain Stimulation

• Oral Chemotherapy

• Immunotherapy (where Monoclonal Antibody is given as an injection)

• Intra vitreal injections

• Robotic surgeries

• Stereotactic radio surgeries

• Bronchial Thermoplasty

• The vaporisation of the prostrate (which is also known as the Green laser treatment or holmium laser treatment)

• Intra Operative Neuro Monitoring( (IONM)

• Stem cell therapy: including Hematopoietic stem cells for bone marrow transplant for the covered haematological conditions.

I am Tanuja Koshy working with one of the leading online insurance aggregators as a General Manager. I manage and drive online investments, short term and long term insurance like home insurance, travel insurance, health insurance, term insurance.