Keynotes for Choosing the Ideal Health Insurance Cover from Oriental

Given the rising costs of medical treatment, buying an insurance for you and your family should be an utmost priority in one’s life. A single visit to a private hospital can easily escalate an expense of INR. 1 lac plus. The situation can become even more difficult if you are the single breadwinner for the whole family.

To meet the financial requirements during times of illness, a simple solution is to invest in a health insurance plan at the cost of a small premium. A health insurance plan is a scheme that covers the cost of your medical treatment and enables access to quality health care. The cover provided is determined by the type of policy you have chosen and the premium paid. Additional benefits also include pre and post hospital expenses.

One reliable insurer is the Oriental Insurance Company Ltd. It is one of the oldest and most trusted companies in India. It has 31 regional offices and more than 1800 active branches across the country. The company also has branches in Nepal, Kuwait and Dubai.

To help you understand better, we have curated a list of insurance schemes with their advantages that will enable you to choose an ideal health insurance cover from Oriental Insurance.

Features and Benefits of Oriental Health Insurance

1. The plan entitles you a cover for 7 of your family members - 3 children and 4 adults.
2. Cashless Facility - When you get admitted in a partner hospital, you can avail cashless treatment.
3. Cash Allowance - If you are hospitalised, you get daily cash as per the sum insured.
4. Lifelong Renewal - The health plans offered are lifelong renewable.
5. No initial screening for individuals up to 55 years of age.
6. Health Checkups - The plans offer health check-up after every fourth claim-free year.
7. Pre and Post Cover - The plan covers medical expenses for 30 days prior to hospitalization and 60 days post hospitalization.
8. Maternity Cover - Certain plans offer maternity cover for the mother and child.
9. Quick Claim Settlement - Oriental health offers a smooth, easy and hassle-free claim settlement to the insured.
10. Offers maximum sum insured to its insurance buyers.

Types of Health Plans Offered by Oriental Health Insurance

Oriental health insurance has formulated a variety of plans which provide a comprehensive health coverage for you and your family.

Oriental Individual Mediclaim Plan

This plan is specifically designed to provide cover for individuals. Listed below are its primary features and benefits.

Feature	Benefit
Sum Assured	INR. 50,000 to 10 lakhs
Pre-existing Cover	After a 4 year waiting period
Eligibility	Medical screening is compulsory for people over 45 years
Hospitalisation Cost	Covers 30 days for pre and 60 days for post as hospital charges

*This plan is applicable for individuals till the age of 80 years.

Family Floater Plans

These plans provide an all-inclusive health care protection scheme for your family on a floater basis. A family floater health insurance is one of the best options when it comes to safeguarding the health of your loved ones. Not only does it provide a higher sum insured but in case of hospitalization, the total sum assured can be utilized to meet the medical expenses for the one admitted.

This plan comes in three variants – Silver, Gold and Diamond

Happy Family Floater Silver Plan

Feature	Benefit
Sum Assured	INR. 1 lakh to 5 lakhs
Pre-existing Cover	After a 4-year waiting period
Eligibility	Medical screening is compulsory for people over 60 years
Hospitalisation Cost	Covers 30 days for pre and 60 days for post as hospital charges
Dependents	Dependents between age 3 months and 25 years and adults above age 18 years can be covered under this plan
Allowances	Daily cash allowance and attendance allowance is provided as per the sum insured
Add-on Benefits	Personal Accident Cover

Happy Family Floater Gold Plan

Feature	Benefit
Sum Assured	INR. 6 lakh to 10 lakhs
Pre-existing Cover	After a 4 year waiting period
Eligibility	Medical screening is compulsory for people over 60 years
Hospitalisation Cost	Covers 30 days for pre and 60 days for post as hospital charges
Dependents	Dependents between age 3 months and 25 years and adults above age 18 years can be covered under this plan
Allowances	Daily cash allowance and attendance allowance is provided as per the sum insured
Add-on Benefits	Personal Accident Cover and Life Hardship Survival Benefit