Oriental Insurance

Budget-Friendly Policy: A straightforward policy that is easy on the wallet. However, if you want better benefits, shorter waiting periods for pre-existing conditions, and comprehensive coverage, you might want to look elsewhere.

Book a call

whatWeLike What We Like

This section highlights the strengths and benefits of Mediclaim Insurance Policy policy by Oriental Insurance. It covers what the policy does exceptionally well, including aspects that provide significant value and peace of mind to the policyholder. Here, you will find the major advantages and positive features that make this policy stand out.

You most likely don't have to split the bill

No Co-Payment: The insurer will bear the entire cost of treatment (up to the sum insured) unless you explicitly opted to pay a portion of the bill. If...

Learn More

You always have full cover irrespective of the disease

No Disease-Wise Sub-Limits: If your insurer hasn't explicitly excluded an illness, you can claim the full sum insured for any disease, as this policy ...

Learn More

Day Care treatments covered

Minor Procedure Full Coverage: If you're hospitalized for less than 24 hours for a minor procedure, the insurer will cover the costs. This includes tr...

Learn More

Covers Alternative Medicine

Full Coverage for Alternative Treatments: Thinking of getting Ayurvedic, Homeopathic, or other alternative treatments to cure an illness? Your insure...

Learn More

Pre & Post hospitalization expenses covered

Diagnostic Tests Coverage (30 days/60 days): No worries if the doctor has to run a series of diagnostic tests before or after hospitalizing you. The i...

Learn More

Some coverage if you are forced to hospitalize at home

Domiciliary Cover (?50,000): The insurer will pay up to ?50,000 if you are forced to hospitalize at home due to a medical condition or the hospital ru...

Learn More

whatIsOk What Is Okay

This section outlines the satisfactory but not exceptional aspects of Mediclaim Insurance Policy policy by Oriental Insurance. It includes features and benefits that are adequate and meet standard expectations. While these elements may not be extraordinary, they still contribute to the overall usefulness and reliability of the policy.

No Bonus for being healthy and not claiming insurance

Coverage After 4 Years: If you're dealing with diabetes, cardiovascular problems, or similar illnesses, the insurer covers all costs after a 4-year wa...

Learn More

Free Health Checkups every year

Coverage After 4 Years: If you're dealing with diabetes, cardiovascular problems, or similar illnesses, the insurer covers all costs after a 4-year wa...

Learn More

whatWeDontLike What We Don't Like

This section addresses the limitations and drawbacks of Mediclaim Insurance Policy policy by Oriental Insurance. It highlights areas where the policy may fall short or aspects that could be improved. Understanding these points is crucial for making an informed decision and managing expectations regarding the policy’s coverage and service.

Restrictions on the rooms you can pick and much more

Room Rent Limit (1% for General, 2% for ICU): Your insurer won’t let you stay in a room whose rent exceeds 1% of the sum insured. For ICU, the limit i...

Learn More

Long waiting period for pre-existing diseases

Room Rent Limit (1% for General, 2% for ICU): Your insurer won’t let you stay in a room whose rent exceeds 1% of the sum insured. For ICU, the limit i...

Learn More

Long waiting period for pre-existing diseases

Room Rent Limit (1% for General, 2% for ICU): Your insurer won’t let you stay in a room whose rent exceeds 1% of the sum insured. For ICU, the limit i...

Learn More

Frequently Asked Questions

Medfin offers the latest surgical procedures to ensure that you
recover as fast as possible in the least painful way possible.

The claim settlement ratio for Mediclaim Insurance Policy in 2024 is 99.41%. This high ratio demonstrates the insurer's commitment to efficiently processing claims, offering peace of mind to policyholders.

The Mediclaim Insurance Policy is available for individuals aged 18 to 65 years, with options to include family members.

Yes, pre-existing conditions are covered after a waiting period of 36 months.

Yes, the plan includes maternity benefits after a waiting period of 3 years.

The plan includes wellness benefits such as health check-ups, access to fitness programs, and nutritional counseling.

Confused? Talk to our certified health insurance experts

If you're unsure about how to use your insurance for an upcoming surgery or need help understanding your current coverage, talk to an expert for FREE by clicking here. Book a call now, limited slots available!

Our Most Popular Treatments
Most Popular Treatment Costs
whatsapp-whiteicon
Book appointment Talk To Expert