• Family floater
• Cashless settlement
• Innovative covers offered
• Quick settlement of claims
• Renewal discount
• Cumulative bonus

Contact us on 098254 72919 for buy/ purchase a new policy or renew with Future Generali General Insurance. Avdhoot Investment is Corporate Agent for General Insurance.

What is Mediclaim Policy and what does it cover?
The policy provides for reimbursement of hospitalization/ domiciliary hospitalization expenses for illness/diseases suffered or accidental injuries sustained by the insured during the policy period.

Does Mediclaim cover any expenses besides hospitalization costs?
Mediclaim covers pre-hospitalisation (30 days) and post-hospitalisation (60days) expenses also if they are connected with the sickness / accident for which the hospitalisation takes place.

What is considered as “domiciliary hospitalization” under Mediclaim?
It is that condition of the patient in which he cannot be moved to the hospital or if there is no bed available in any of the hospitals, then the treatment is taken at home and if it is given like the treatment given at the hospital, then in such situation, it is reimbursable.

What is a Cashless Facility?
Cashless Facility is a service wherein the insured can get admitted and can settle all hospitalization expenses at the time of discharge from hospital. The settlement is done directly by the insurance company, that’s why it’s a cashless facility where you are provided with the claim there and then at the time of settling the bills, the hospital directly contacts with the insurance company and settle the claim.

What is a Health Card?
A Health Card is that card which comes along with the policy which would entitle you to get cashless claim at any of the company’s network hospitals.

Am I entitled for cover immediately after I take my policy?
For the first 30 days after your policy is activated, you would not be entitled for any cover for sickness but you can avail of accidental cover immediately.

Do I have to undergo medical Check up while taking health insurance policy?
Medical tests is required after 45 years of age.

Is a Medical check up again required at the time of renewal of the policy?
No, the medical check up has to be taken only once, during the inception of taking a policy and only if you are 46 years of age or above.

What is the Critical Illness policy? And what does it cover?
It is that policy which covers Illness; it is complimentary to a mediclaim policy, being an additional policy which can be taken along with Mediclaim. The Critical Illness policy covers five major illnesses • Cancer.
• Kidney failure.
• Organ transplant.
• Multiple sclerosis and.
• Coronary artery surgery (20 percent of Sum Insured)

When does the Critical Illness policy cover all the five illnesses?
As long as the policyholder was not suffering from any of the illnesses, the pre-existing illness exclusion applies to the Critical Illness policy also.

What is a Floater Policy?
A floater Policy is issued with a single sum insured covering number of individuals. The family is covered for a fixed amount and anyone in the family can avail of the benefit till the limit is exhausted. In short, it is one single policy which takes care of the hospitalization expenses of your entire family.

Do I get a No Claim Bonus under my health insurance if I do not make a claim?
Yes, some plans offer a discount in premium. Others offer an increase in your benefit amount for every claim-free year.

What are the benefits of renewing my health insurance policy?
There should be continuous renewal of the policies. If there is a break in insurance, the insured would lose the benefits of insurance in the event of any contingency. You will be prevented from the benefits of No claim Bonus in a claim free year. Moreover you will not be covered for Pre-existing diseases.

Why should I take Individual health plan or a Family Floater plan if I already have health insurance from my employer?
You are covered with the health insurance policy as long as you are in the employer’s services. If tomorrow, you change your job, then you and your family will be barred of any medical emergency arises when you have not arranged for an alternative health insurance policy. It is at this point of time that an Individual or Family Floater Health Insurance policy will come to your rescue.

Ask to our experts for purchase/ buy insurance. We offers affordable cheaper mediclaim/ health insurance premium rates. U may compare Oriental Insurance ICICI Lombard Genral Insurance with others submitt your business querry online here…

* Your Family Protector- A Mediclaim Insurance policy takes care of the medical expenses of the insured in case of hospitalization due to sudden illness or accident. from Oriental Insurance & ICICI Lombard.
* It also covers pre-hospitalisation and post-hospitalisation for periods of 30 days and 60 days respectively.
* Besides Domiciliary hospitalisation is also covered in mediclaim health insurance plans..

Age limit: Minimum 5 to maximum 80 years to buy/ purchase Mediclaim Policy.

Benefits:

* Reimbursement of medical expenses.
* Discount available on premium on family package, cumulative bonus and health check.
* In case of family package cover, a single member can avail of the entire health insurance policy limits.
* Pre-existing diseases not covered.

Income Tax Benefits:

The premium paid by cheque for mediclaim insurance policy upto a maximum of Rs.10,000 is totally exempt from income tax.

Exclusions:

Except in case of accident, Mediclaim facility is not available in case of illness contracted within 30 days from the commencement of risk.
Pre-existing diseases are not covered.
Treatment for cataracts, benign prostatic Hypertrophy, Hydrocele, Congenital internal diseases, Fistula in anus, Piles, Sinusitis and related disorders for 1st year of policy.
Expenses incurred in respect of any treatment relating to pregnancy or childbirth
AIDS or conditions of similar kind.
Directly or indirectly connected with war or nuclear waste.

Claim Form

Cashless Form

Claims are administered through Third Party Administrators (TPA) whose contact particulars appear on the policy document. Insured can opt for cashless or reimbursement facility for their claims. The proposer has the option to avail TPA services, which is cashless or direct service by Policy issuing Office, which is on reimbursement basis. Oriental Insurance’s TPA in case of Claim E-Meditek Toll Free Help Line in Case of Claim Call 1800-113-242

Compare Mediclaim Premium Rates with Others Ask us for Premium Rates are Officially Declared by The Oriental Insurance Company Ltd. All Premium are only for a single Person. Compare Mediclaim Premium Rates with Other Company.

Back to Orietnal Insurance.

Get 10% Discount on Mediclaim Premium for More than 1 Person. Add Service Tax Extra on your Total Premium. Ask our Oriental Insurance Agent for Premium Rate compare/ comparision here.

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