Oriental Overseas Mediclaim Policy (E&S)

Oriental Overseas Mediclaim Policy (E&S) is a medical emergency policy from Oriental Insurance Company Ltd. that covers medical expenses, arising due to physical injuries, illness, and contagious diseases. Especially designed for students and employed individual travelling abroad, the insured under this policy can avail the best treatment following consultation with the institute’s medical practitioner. Thus, it acts as back-up, ensuring financial coverage for students and employed individuals during a medical emergency overseas.

Eligibility Criteria

The minimum eligibility conditions to buy this policy are:

Type	Individual or Family Floater
Minimum Entry Age	6 months (with parental coverage)
Maximum Entry Age	70 years
Number of people covered	Individual (for employed and students) Family (parents, spouse and children)
Residential Status	Citizens of India, with temporary residence in another country for education, research or employment through an Indian agency

Coverage Offered

Under Oriental Overseas Mediclaim Policy (E&S), one can opt for the Individual or Family Floater option; the sum insured will be paid in US$ currency (US$ 75,000). The insured is required to reside in the same country as intended for mediclaim to be eligible for coverage. The coverage as part of the plan is as follows:

Emergency Medical Treatment -Any sudden illness or hospitalization as eligible for coverage under the policy.
Mental, Emotional, Nervous Ailments Cover-Medical expenses covered for 30 days of continuous in-hospital treatment.
Repatriation for Transport of the Remains-In the event of the death of the insured, transportation of the remains to India and funeral expenses are covered.

Inclusions of the Policy

Other than the basic emergency coverage, the following are included under the Oriental Overseas Mediclaim Policy (E&S) insurance policy:

Licensed Transportation- For efficient transport of the insured passenger to the medical institute, the costs of specific transport such as ambulance and aircraft are included in the policy.
Baggage Costs- One of the biggest worries surrounding overseas travel is loss of baggage. This can result in loss of articles of prime importance, such as clothing, documents, etc. Accordingly, the policy can compensate effectively for losses incurred due to baggage misplacement and loss.
Employee Coverage Waiver- If the insured consults the medical practitioner associated with the educational institute / employer, a waiver of US $50 is offered.
Outpatient Treatment- In the event of emergency outpatient expenses exceeding US $500, the treatment is covered under the policy.

Exclusions of the Policy

The following are excluded from coverage under Oriental Overseas Mediclaim Policy (E&S):

Any pre-existing condition
Any terminal illness
Intentionally self-inflicted injury or suicide
Use of alcohol, intoxicants, and non-prescribed drugs
Damage due to war, invasion, and terrorism
Auditory examination or costs of prescription glasses
Injuries due to sports and mountaineering
Infertility and HRT
Non-emergency hospitalization
Pregnancy, miscarriage, and childbirth
Cosmetic surgery (unless a health emergency)
Treatment for HIV/AIDS
Any injury or illness occurring outside the country of travel

For a complete list of exclusions, please refer to the policy document.

Features & Benefits of the Oriental Overseas Mediclaim Policy (E&S) Insurance

The main features and benefits of Oriental Overseas Mediclaim Policy (E&S) insurance policy:

No waiting period as pre-existing ailments excluded from treatment
Emergency outpatient treatment and hospital expenses
Compensation for baggage and passport loss
Treatment for mental and nervous ailments
Medical emergency occurring up to 12 weeks after policy expiration considered for coverage
Evacuation costs if insured required to return to India due to medical emergency
Travel costs for family of insured in case of India return (family includes parents, spouse, child)
Renewal of policy, if required
For students, compensation of medical emergency resulting in incomplete studies
Cashless claims from licensed medical institutions and practitioners

Information on Cancellation of the Policy

The following are the conditions for cancellation of the Oriental Overseas Mediclaim Policy (E&S):

The person covered by the policy is not regarded as the “insured” as per policy terms
Concealing pre-existing health conditions for which treatment is taken after policy purchase
Failure to travel overseas beyond 14 days of policy purchase upon production of passport

FAQs

Q. What are the added return benefits of Oriental Overseas Mediclaim Policy (E&S) Health Insurance?

Ans: The overseas mediclaim offered by Oriental health insurance is applicable for covering medical emergencies, transport costs, and losses. The policy does not function as a conventional health insurance plan. Therefore, benefits of added returns are not provided to the insured and family.
Q. Can the overseas mediclaim be purchased to avail tax benefits?

Ans: Overseas mediclaim is meant only as an emergency health cover; therefore, tax benefits are not provided.
Q. What is the policy tenure of Oriental Overseas Mediclaim Policy (E&S)?

Ans: The policy tenure lasts for one year. After policy commencement, termination occurs twelve months hence.
Q. How to purchase the online Oriental Overseas Mediclaim Policy (E&S) plan?

Ans: To buy Oriental health insurance online, the customer is required to register on the official website of The Oriental Insurance Company Limited. Details of the insured and/or family are to be entered. After filling up of the application form, the premium amount is to be paid online.
Q. What are the documents to be submitted for making a claim?

Ans: Documents with medical treatment and policy details (name of treating doctor, policy ID with date of commencement), claim form (available with The Oriental Insurance Company Limited), invoices, travel documents, medical certificates, medical prescriptions, and receipts should be submitted for a claim.

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*We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30- minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881.

*Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. Policybazaar does not provide any medical or surgical advice or diagnosis and is not responsible for your interactions / treatment by a medical practitioner/hospital. Please consult a registered medical practitioner for any medical or surgical advice. The Information that you obtain or receive from Policybazaar, and its employees, or otherwise on the Website is for informational purposes only. As per the Insurance guidelines, you are allowed to cancel the policy with-in 30 days from the date of Issuance of policy.This option is available incase of policies with a term of one year or more.

*All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.

**All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.

*₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.

*₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

*₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

*₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

*₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases

*₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.

*₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.

*No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.

*The values taken for effective cost calculation are indicative values and may change as per the selected plan.

*Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.

*Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.

*The scope of coverage may vary from plan to plan.

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Oriental Overseas Mediclaim Policy (E&S)