If you plan to purchase health insurance, there are many options open to you. Oriental Health Insurance is one of the best options available in the market today. There are various health plans offered to you by Oriental Insurance. You can choose from Individual Mediclaim Policy, Group Mediclaim Policy, Comprehensive Health Insurance Scheme, Universal health Insurance Scheme, Swasthya Bima Policy, Overseas Mediclaim Business and Holiday, Overseas Mediclaim Employment and Study, etc. These plans comes up with lots of features and benefits that suits every individual needs.
These plans covers the insured person for hospitalization expenses in respect of sudden illness, accident or surgery. It includes room rent, boarding expenses, surgeon fees, specialist fees, consultant fees, anesthetists, nursing expenses, operation theatre charges, intensive care unit charges, cost of medicines and drugs, blood, oxygen, surgical appliances, diagnostic materials, x-ray, dialysis, chemotherapy, radiotherapy, artificial limbs and other similar expenses. The domiciliary hospitalization expenses are also covered under these plans.
All pre and post hospitalization expenses are covered. The pre-existing diseases are also covered after 4 continuous policy years. In the event of emergency, ambulance charges are covered for transporting the insured person from residence to hospital or from one hospital to another hospital.
Oriental Health Insurance plans are available on cashless hospitalization basis. It means the insured person can avail the treatment at any network hospitals through TPA service. The insured needs to provide the ID Card to the network hospital to avail cashless hospitalization facility.
The optional benefits are available by paying additional premium. Personal Accident and Life Hardship Survival can add with your basic health cover to avail extra benefit. The benefit of Daily Hospital Cash Allowance is provided under the Gold plan.
Tax benefit is available under section 80D, 80DD and 80DDB of the Income Tax Act,1961.
