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.

What does the Overseas Travel Insurance policy cover?
• It covers for medical expenses which also includes cashless facility • It covers for any loss or delay of baggage. • It covers for the loss of passport. • It covers transportation of mortal remains • It covers personal accident. • In addition to hospital expenses it covers hospital cash i.e. daily allowance. • It also covers personal liability • It also covers any other kind of financial emergency due to robbery or theft abroad.

Is there any Medical check-up required for taking the travel insurance policy?
There is no Medical check-up required to take travel insurance policy. But a completed and signed Medical Declaration from the Insured is required as a pre-requisite cover regarding his recent health conditions.

When does the cover begin?
The cover begins on the day specified in the policy schedule or the time you board the conveyance when you leave for overseas journey or the contracted departure date as per the policy, whichever is later

What determines the premium?
Premium is determined by the following factors: • Number of days for which you have arranged your trip • The country you are visiting • Age of the person who is traveling

What is the need of Student overseas travel insurance?
During the time of crises when you are far away from home Student overseas travel insurance policy helps and ensures that your stay and study go smoothly in a foreign land.

How will I benefit if I buy the student overseas policy from India?
Buying a policy from India will cost much less of what you would have to pay if you buy it from an international insurance company because the premium is payable in rupees.

What point do I need to keep in mind while buying the policy?
You must go through the Policy Wordings completely and its exclusions before buying the policy.

How will you cover me if my baggage is lost?
If you loose your baggage, then you will be compensated for the lost items against their market value.

What if my baggage is delayed but not lost then how will you cover that?
You will be given the compensation for emergency items like medicines, clothing and toiletries if your baggage is delayed for more than 12 hours.

Will I get a duplicate passport if it is lost?
Yes, the Expenses incurred towards the procurement of a duplicate / temporary passport are covered under the policy.
If I go abroad particularly to get medical treatment, am I supposed to be reimbursed for the same?
The policy doesn’t cover for the planned Medical Expenses; the insurance has coverage only for accidentss or sickness which happen suddenly when you are traveling abroad.

Do I get the money back if there is no claim?
No, the money is not refunded in case there is no claim.

Ask to our experts for purchase/ buy insurance. We offers affordable cheaper premium rates. U may compare with Oriental ICICI Lomabard Bajaj Allianz General Insurance Compnay others submitt your business querry apply online here.

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…

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.

A personal accident policy indemnifies the insured in case of accidents by taking into account the disability, the accident may have caused to his earning capacity.

Features:

A personal accident policy is an Annual Policy.
It covers death or bodily injury due to accident. The Sum insured is based on earnings and capacity to pay premiums.

Compensation:

The policy is divided into various risk categories and the compensation is awarded to the insured depending on the category that is applicable to him.

Exclusions:

Services on duty with any armed Force.
Intentional self-injury, suicide or attempted suicide, insanity, venereal diseases or the influence of intoxicating drugs.
Medical or Surgical treatment (except in cases where such treatment is necessary within the scope of the policy).
Nuclear radiation or nuclear weapons materials.
Any consequence of war, invasion, act of foreign enemy, hostilities (whether war be declared or not), Civil war, rebellion, revolution, insurrection, mutiny, military or usurped power, seizure, capture, arrests, restraint and detrainments of all kinds, princes and people of whatsoever nation condition or quality.
Childbirth, pregnancy or other physical caused peculiar to the female sex.
Whilst committing any breach of law with criminal intent.online premium comparision.

The Oriental Insurance has a various types of Personal Accident Policy for Death, Disability & Compansation Insurance Cover. How much Maximum and Minimum Sum Assured or Premium Required for purchasing a new Personal Accident Insurance Policies on your All the Family Members cover for Father, Mother, Spouce, Childrens, Dependents Life visit our Contact us page to type your querry.

Contact us for Premium Rates on Personal Accident Insurance Policies for The Oriental Insurance & ICICI Lombard General Insurance Company India.

The Policy Covers : If at any time during the currency of the policy the insured person shall sustain any bodily injury solely & directly from accident caused by external violent and visible means then Company shall pat to insured or his legal personal representative as the case may be sum or sums as per terms / condition of the policy. 

ADDITIONAL BENEFITES FREE OF COST AVAILABLE UNDER ALL TABLES : 

Expenses incurred for carriage of dead body of Insured Person (death due to accident only) to place of residence subject to a maximum of 2% of the CSI or Rs. 2500/- Whichever is less.

EDUCATIONS GRANT :In the event of death or permanent total disablement of the insured du e to accident as defined in the policy, the policy shall also pay following amount as education grant for dependent children. 

 Note :

 (1) Limit of Age is 5-702 years.
(2) The aforesaid limits would apply cumulatively in the event of there being more than one policy on the life of the       insured person.
(3) The Proposer may choose any one or more the above tables.
(4) The Cover is worldwide.
(5) Cumulative Bonus : The Sum payable under item 1 to 4 is increased by 5% each year on renewal of Policy upto a limit       of 50 percent. Earned cumulative bonus will not be lost if the Policy is renewed within 30 days of its expiry.

Family Package Cove :

Family Package Cover can be granted on the following pattern :

 Note :

1. For Children the maximum cover shall be limited to Death and Permanent Disablement (total and partial)i.e. upto Table B benfits only.
2. A discount of 10% may be granted on the gross premium under the Family Package Cover.
3.Where Sum Insured petaining spouse works out to less than the Sum Insured allowable, if such spouse was not earning the Later Sum Insured may be allowed.

Type your Business Querry here.

It protects the auto private motor car vehicle from loss or damage:

* By fire, lightning, self-ignition, explosion, burglary, housebreaking or theft.
* Riot or strike.
* Flood, earthquake, cyclone or inundation.
* Transit by road, air, elevators or lifts.
* Liability for third party’s injury or death, third party property and towards the paid driver too.
* Loss or damage to electrical/ electronic accessories, personal accident cover for the driver and passengers is also available after paying additional premium.

Types of Policies:
There are two types of Policies:

Liability Only Policy:
This covers Third Party Liability for bodily injury and/ or death and Property Damage. Personal Accident Cover for Owner-Driver is also included.

Package Policy:
This covers loss or damage to the vehicle insured in addition to the above.

Term of policy:
No policy is permitted to be issued or renewed for any period longer than twelve months. However, Short Period Cover/ Renewal may be granted for periods less than twelve months.

Claims:
In case of claims the maximum liability will be the sum the vehicle is insured for or the insured’s declared value, which will be the amount payable in case of total loss or constructive total loss (CTL) irrespective of the market value of the vehicle.
Also in case repair costs go over 75 percent of the IDV, it will be taken to be a CTL.

Premium Calculation in case of adverse claims:
Loading on tariff premium rates by 100 percent may be applied for adverse claims experience of the vehicle insured and individual risk perception as per the insurer’s assessment. If the experience continues to be adverse, a further loading of 100 percent on the expiring premium may be applied. No further loading shall apply.Compare premium rates with other company here cheaper/ lower than comparing others in India.

Anti theft device discount:
In case an anti-theft device has been installed in your vehicle expect a discount up to a maximum of Rs 500 on your insurance claulate premium. Avdhoot Investment offers Fastest Claim settlement Services for General Insurance in India within 7 working days.

To Read some  FAQ’s on Auto Motor Vehicle Car Insurance Click here.

Contact our Authorised Agent/ Advisor/ Consultant for renew your policy for Oriental Insurance/ ICICI Lombard Companies Auto Motor Vehicle Third Party Accident Insurance Policy Lower Premium Rate Comparision online. We offers Cheaper Premium Rates Quotes. Apply online here.

Note: Shops that implement manufacturing processes do not qualify for the Shopkeepers’ Insurance policy Merchant Insurance. ( The Oriental Insurance Company Ltd.)

Shop Insurance Risks covered:

• This policy is divided into various sections
• Fire and allied perils (shop building and its contents).
• Burglary and housebreaking.
• Money stored in transit/ counter/ safe
• Pedal cycle
• Plate glass
• Neon and glow signs
• Baggage Insurance
• Personal Accident
• Fidelity of the employees
• The owner’s public liability
• Workmen’s compensation liability
• Interruption of business.

What are the Exclusions?

• Any misdemeanour involving any partner or employee of the insured or his family member as principal or accessory will not be compensated.
• Any loss or damage to the pedal cycle insured if and when it is not securely locked, when unattended or overloaded will not be compensated.
• Regarding plate glass breakage or damage during removal, alteration and/ or repairs, breakage of lettering, breakage or damage to the frames or framework will not be covered.
• Disfiguration or scratching or damage other than a fracture extending through the entire thickness of the glass is not covered.
• Embossed, silvered, lettered, ornamental, curved or any glass that is not plain and of ordinary quality.
• Breakage of glass that is not securely fixed.
• Loss or damage consequent to interruption or delay of business arising from replacement or breakage of glass will not be provided for.
• Regarding neon and glow signs, the liability posed by earthquakes or fusing or burning out of bulbs, short circuits, mechanical or electrical faults is not payable.
• Regarding baggage loss, any loss caused by scratching, breakage of lenses, china, marble, records, brittle and fragile articles, damage caused by mildew, worming, cleaning processes, dyeing, repairing and restoring, theft from unattended and unlocked cars is not payable.
• Regarding fidelity guarantee, any infidelity by a person other than a salaried employee of the insured is not insured.
• Regarding covering third party liability of the insured, any liability assumed by the policyholder as well as injuries caused to animals or vehicles are not payable.
• Regarding covering risks and liabilities towards the Workmen’s Compensation Act, any interest or penalty imposed upon the insured will not be payable.
• Regarding covering loss of business due to interruption caused by fire and allied perils, the insurers are not liable for consequential losses to securities, obligations or documents, stamps, coins, paper money, books of accounts, other business books, computer records, manuscripts, plans, drawings or designs, patterns, moulds or patented designs.Premiums quotes are available on demand.

 How to Take a New Shopkeeper Insurance Policy?

• Take a good look at the Proposal form and identify your requirement for insurance.
• Prepare a list of items desired to be insured, with proper valuation.
• Remember that liability cover is on reimbursement basis and limited to the sum insured selected.
• Ensure that there is no misstatement, or misrepresentation; since the proposal is the basis of the contract.
• The liability of the Company does not commence until the proposal has been accepted and full premium paid.

How to Lodge the Claims in Shop/ Home Owners Policy?

• Give immediate notice of claim.
• Obtain the claim form from the Company (also available on our website) and provide full details of the loss, as sought in the form.
• Do not dispose off / destroy damaged property, if any, till company permits such disposal.
• Take necessary steps to minimize loss and keep the Insurance Company apprised.
• 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.

To Apply for Cheaper online Premium Rates Renew online Compare on Shop Keeper/ Merchant Insurance Policy by The Oriental Insurance Company here…