Key Benefits of Oriental Mediclaim Policy
When it comes to your health, you want to ensure that you're doing everything you can to live a long and healthy life. One way by which you can ensure the same is by having health insurance offered by numerous insurers across India. One of India's standard health insurance options is Oriental Mediclaim Insurance.
It gives you access to some of the best health care professionals in India at an affordable price so that you can seek treatment when necessary.
This article discusses the key benefits of taking Oriental Mediclaim Insurance to ensure you are fully aware of all its benefits before making an informed decision.
What is an Oriental Mediclaim Policy?
Oriental Insurance is one of the top public sector general insurance companies in India. The company provides both individual and corporate available insurance products to safeguard against the possibility of financial consequences. For instance, a health insurance product is one of those the company offers.
An Oriental Mediclaim Policy covers the medical expenses of the policyholder. The benefits of this type of health insurance policy include:
1. Coverage for various medical expenses, including hospitalisation, surgery, and prescriptions.
2. Quick and easy claim process.
3. Coverage for pre-existing conditions.
4. Discounts on healthcare services.
5. Access to a network of participating providers.
Coverage Benefits of Oriental Mediclaim Policy
If you are looking for a health insurance policy that offers comprehensive coverage, an Oriental Mediclaim Policy is a good option. Some key benefits of this policy include:
Coverage for Pre-existing Medical Conditions
Most health insurance policies in India do not cover pre-existing medical conditions. However, with an Oriental Mediclaim Policy, you can get diabetes, hypertension, and heart disease coverage.
Read more - FAQs on Pre-existing Disease Coverage in Health Plans
Pre-hospitalisation Charges
If you need to be hospitalised due to unforeseen circumstances, Oriental Mediclaim Policy will pay for your pre-hospitalisation expenses.
In-patient hospitalisation
You can also receive inpatient treatment at any hospital of your choice under this health insurance policy. Not only will the Oriental Mediclaim Plan provide all hospital charges but also daily allowance towards food and lodging during your stay.
Outpatient Services
The plan also covers outpatient treatments like dialysis, chemotherapy, radiation therapy, etc., so you don't have to worry about additional costs.
Post-hospitalisation
Once you are discharged from the hospital, Oriental Mediclaim Policy will continue to cover your outpatient treatment needs. It will also support any disability or home healthcare needs you may require following discharge from the hospital.
Read more- Why You Must not Ignore Pre and Post-hospitalisation Expenses in a Health Insurance Cover
Ambulance Expenses
If you ever require assistance, Oriental Mediclaim Policy will provide the necessary ambulance facility without charging anything extra. When travelling abroad, the policy will give you free assistance should an emergency occur.
Organ Donor Treatments
Oriental Mediclaim Policy will also offer organ transplant surgeries if you need them.
Surgical Procedures
Even surgical procedures like hip replacement, knee replacement, hernia repair etc., are covered under the Oriental Mediclaim health insurance policy.
Domiciliary Treatments
You can also enjoy domiciliary treatments like physiotherapy, speech therapies, naturopathy etc., which most other types of health insurance policies do not offer.
Your doctor may prescribe home treatments for you to administer, known as domiciliary treatments. Some plans cover these treatments when you cannot be transferred to the hospital due to a lack of beds or can't be moved to a healthcare unit due to your health condition.
Maternity Treatments
Your maternity needs will also be covered under Oriental Mediclaim Policy. For mothers who have given birth recently, the maternity health insurance policy will cover their postnatal follow-up visits and hospital stays after delivery.
As long as the baby is born alive, they can claim maternity benefits even if they do not reside in India at the time of birth.
Alternative Treatments
Oriental Mediclaim Policy also offers alternative treatments like Ayurveda, Yoga, Naturopathy, etc.
Other Benefits of Oriental Health Insurance Plans
Oriental health insurance plans are a great way to protect your finances in an accident or illness. Here are some additional benefits of taking out an Oriental health insurance plan:
Coverage for Pre-existing Conditions
If you suffer from any disease before buying a policy and want to know whether the Oriental health insurance policy covers the same, you would be pleasantly surprised to know that it does, albeit with a waiting period clause. A waiting period means the time for which you won't get covered against a disease. After four consecutive policy periods, Oriental Mediclaim Policy will cover pre-existing diseases.
Sum Insured Restoration
Depending on the health emergency you may face, the sum insured may get exhausted. Should that remains your case, use the restoration facility of Oriental health insurance to refill the insured amount for future health insurance claims.
Premium Discounts
With every Oriental Health Insurance plan, attractive discounts are also available, such as discounts for signing up online, renewing insurance online, signing up for two or more family members, or signing up for a long-term period.
Conclusion
Oriental Mediclaim Insurance offers a comprehensive health insurance policy that covers all aspects of medical treatment, from diagnostics and hospitalisation to alternative therapies. The company also has a team of experienced and knowledgeable customer service representatives to help policyholders with any questions or concerns they may have.
Overall, taking Oriental Mediclaim Insurance Policy is a wise decision for anyone who wants to be prepared for the unexpected and have peace of mind knowing that their health and well-being are taken care of.
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You can buy as many health insurance plans from Oriental Mediclaim Insurance as you want. The company does not restrict the number of plans you can purchase.
You can purchase Oriental Mediclaim Insurance either online or offline. You can visit the company's website and complete a few quick formalities to purchase online. And for the offline option, you can contact the company on its toll-free number to get in contact with the agent, who will then guide you about the whole process, or you can also visit the company's nearest branch.
To buy medical insurance from Oriental Mediclaim Insurance, you will need to submit the following documents:
- Identity proof
- Age proof of yourself and the members being covered
- Address proof
- Photographs
No, Oriental Mediclaim Insurance requires you to wait for a certain period for maternity cover. The policy's waiting period could range from 24 to 48 months. However, the company may not reimburse all. For example, Oriental Family Floater Mediclaim Policy covers maternity expenses at up to 2.5% of the sum insured. If maternity expenses exceed the stated threshold, the amount beyond it is your responsibility.
Dependent children can be covered until they are 18 or 25. If the dependent child is a daughter, she can be covered until married.