Group Mediclaim Policy

Oriental Insurance Group Mediclaim Insurance Policy:
Brief Description :
Mediclaim Insurance is a cover which takes care of medical expenses following Hospitalisation/Domiciliary Hospitalisation of the Insured in respect of the following situations: (A) In case of a sudden illness (B) In case of an accident (C) In case of any surgery which is required in respect of any disease which has arisen during the policy period. The major benefit for taking a Group Mediclaim policy is that the insured gets a Group discount, hence the premium per person is lower.

Covered Risks :
This cover is a hospitalisation cover and reimburse the medical expenses incurred in respect of covered disease /surgery while the insured was admitted in the hospital as an in patient.The cover also extends to pre- hospitalsation and post- hospitalisation for periods of 30 days and 60 days respectively

Major Exclusions :
Any pre-existing disease,any expense incurred during first 30 days of cover except injury due to accident,all expenses incurred in respect of any treatment relating to pregnancy and child birth. Treatment for Cataracts,Benign prostatic hypertrophy,Hysterectomy, Menorrhagia or Fibromyoma, Hernia,Fitula of anus,Piles, Sinusitis, Asthma,Bronchitis, All Psychiatric or Psychosomatic disorders are excluded from the scope of the cover

Call us for Oriental Insurance Group Mediclaim Insurance Policy for Lowest & Cheaper Premium Rate Comparison with Others.

Overseas Insurance Policy

The Overseas Mediclaim Travel Insurance policy protects the insured party against medical expenses that he/she might have to incur during his/her overseas trip. Any Indian resident traveling abroad can take this policy. Group/Individuals can apply for this Oriental Insurance & ICICI Lombard Policy INDIA.

Benefits:

• The policy is basically provides for medical expenses of the insured during his/her stay abroad.
• The policy also covers personal accident, total loss of checked baggage, delay of checked baggage, loss of passport and personal liability, at no additional premium.
• The policy can be taken for a period of 0 to 180 days, with an option to extend further.

Repatriation Benefits: If the insured is required to be sent back to the home country on account of sickness suffered, the expenses incurred therewith are also paid.

All the expenses are reimbursed in the local currency of the country visited.

 Exclusions:  This insurance policy will not pay any claims arising from

• Any treated or existing diseases prior to one year of commencement of risk, whether undeclared or not.
• Travel against medical advice, travel for treatment, terminal prognosis or awaiting special treatment.
• Cosmetic surgery, pregnancy-related costs, AIDS.
• War or nuclear perils are not include.
• Suicide or attempted suicide is not include.
• Benefits recoverable from any other scheme.
• Examination/ treatment in India are not include.
• Expenses incurred outside country of study or posting. However this does not prejudice emergency evacuation on medical grounds. compare online premium here.

 For FAQ’s on Overseas Insurance Click Here.

We offers cheaper premium rates on Oriental Insurance Overseas Travel Insurance Policy Rates than others. Submit your Business Querry Apply online Premium Rate Comparision on Overseas Insurance for the Oriental Insurance & ICICI Lombard General Insurance here.

House Hold Insurance Policy

The Householders Insurance policy is a package policy offering several individual policies together at an economical rates for the Oriental Insurance Company & ICICI Lombard India.

What does it cover:

It offers a package of following policies:
Fire Insurance
Burglary
All Risks Insurance
Plate Glass Insurance
Break down of Domestic Appliances (Electrical and mechanical failures)
Television including VCR & VCP and music systemsPedal cycle Insurance
Personal baggage insurance
Personal accident
Public liability & Employers Liability.

What is the Benefits

Only one proposal form is to be filled for several individual policies. The cumbersome procedure of filling several forms is eliminated.

HOUSE-HOLDER INSURANCE

1. Identify the items that need to be insured.
2. List them with their values. Ensure that the value is the full value.
3. SI for liability is on reimbursement basis and is limited to the amount chosen.
4. Ensure that there is no misstatement, or misrepresentation since the proposal is the basis of the contract.
5. The liability of the Company does not commence until the proposal has been accepted and full premium paid.

CLAIMS

1. Give immediate notice of claim.
2. Obtain the claim form from the Company (also available on our website) and provide full details of the loss; as sought in the form.
3. Do not dispose off / destroy damaged property, if any, till company permits such disposal.
4. Take necessary steps to minimize loss and keep the Insurance Company apprised.
5. Please ensure that no bribe is given to anyone on account of settlement of claim. Please report any such demand immediately to the Oriental Insurance Company.

Contact us for cheaper/ lower premium rates on House Hold Insurance Policy Finding how to Buy or Purchase compare/ Apply online here for The Oriental Insurance Policy. Ask for Premium Rates Comparision of Oriental Insurance with other Company or Renew Online here.