Eligibility Criteria For OIC’s Individual Mediclaim Policy:-   

a) The Oriental Insurance Company’s Individual Mediclaim Policy is available to any proposer between the ages of 18 to 65 years for treatment taken in India.        The proposer can also get his family covered under this policy.

b) Maximum Entry age for any member, is 65 years however, this can be extended up to 70 years. In such case, an additional premium of 10% (including on all      future renewals) will be charged on applicable rates, including on Optional PA cover.

c) Sum Insured is available from Rs.1lac to Rs.50 lacs only.

d) Pre-existing diseases covered after four consecutive renewals also. Lifelong renewals allowed  In this plan.

e) 10% Family discount allowed (including on PA cover) if more than one person is covered under the policy.

f) Option of voluntary co-payment of 10% and 20% with corresponding premium discount of 10% and 20% respectively on SI of Rs.2 lacs and above.                        Voluntary  co-payment does not apply on PA section.

g) There is no need of any medical examination for person’s up to the age of 55 years.

h) In case of fresh covers of above age 55 years then, 50% of the Pre-insurance medical check-up cost reimbursable, subject to acceptance of the Proposal.

i) Benefit of Daily Hospital Cash allowance in case of more than 2 days of continuous hospitalization.

j) Hospitalization expenses incurred for donating an organ by the donor (excluding cost of organ) to the insured person, is covered

k) Ambulance charges covered

l) Optional Personal Accident cover available for SI from Rs.2 lacs to Rs.10 lacs.

m) Also available in-built covers – Medical second opinion, Air ambulance, OPD benefit for dental and ophthalmic cover and additional sum insured for critical illness available to insured persons with sum insured slab of Rs. 25.0 lac and above.

n) 30 days grace period is allowed for payment of renewal premium.

o) Premium adjustment at renewal, for the duration of OMP cover taken from Oriental.

p) Discount of 5.5% in premium if TPA services not opted for.