Health Insurance Oriental Health Insurance Overseas Mediclaim Business and Holiday
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Oriental Overseas Mediclaim Business and Holiday
The Oriental Overseas Mediclaim Business and Holiday Insurance Plan is a specialised business and vacation insurance policy that will give you coverage for unanticipated events that could happen while you are travelling abroad for business or vacation. With a minimum and maximum entry age of 6 months and 60 years, the policy offers coverage for the costs associated with receiving medical care for an illness, disease, or injury sustained abroad. The policy is in effect as of the day you purchase it and ends on the sooner of the final day of the number of days mentioned in the plan or your return to India. The maximum number of persons that may be covered under a policy shall be 7 inclusive of the insured and his/her lawful spouse, dependent children, and his/her dependent parents.
Read on to know more about the Oriental Overseas Mediclaim Business and Holiday Insurance Plan in a detailed manner!
Coverage Details
Here are the coverage details for the Oriental Overseas Mediclaim Business and Holiday Insurance Plan.
Parameters | Details |
Travel Extension | The policy’s maximum number of travel days that may be insured during a single trip is 180 days. |
Annual Multi-Trip Insurance | After receiving the policy paper, you have 15 days to study the terms and conditions. |
Baggage | If more than one bag has been checked in, the maximum amount payable per bag is 50% of the appropriate value insured. |
Benefits of Overseas Mediclaim Business and Holiday Insurance Policy
Here are the salient features and benefits of considering the Oriental Overseas Mediclaim Business and Holiday Insurance Plan.
- Hospital Daily Allowance
The plan will pay you or the insured person the sum listed in the schedule for each day the insured person spends in a hospital, up to the maximum amount, if the hospitalisation lasts more than 48 hours.
- Dental Emergency Expenses
This insurance will only cover dental services for the emergency alleviation of dental discomfort, up to the benefit amount specified in the policy schedule per occurrence.
- Medical Evacuation
When an insured person is seriously injured or ill and there is no adequate local care available, the policy pays for the costs of an emergency medical evacuation ordered by a doctor, including medically appropriate transportation and necessary medical care while en route to the nearest suitable hospital, with the prior approval of the OSP’s medical advisors.
- Loss Of Checked Baggage
This policy will pay up to the limit of coverage indicated in the schedule, less any applicable deductible if the insured person experiences a permanent total loss of checked baggage while you are a ticketed passenger on the common carrier and the baggage was in the care (not hired), custody, and control of a common carrier due to theft, misdirection by a common carrier, or non-delivery at its destination.
- Delay Of Checked Baggage
If the insured person experiences a delay of more than 12 hours from the scheduled arrival time at the destination for baggage delivery, this insurance will pay up to the limit of coverage shown in the schedule for necessary emergency purchases of replacement items for more than the deductible shown on the policy schedule.
- Loss Of Passport
If the insured person experiences a delay of more than 12 hours from the scheduled arrival time at the destination for baggage delivery, this insurance will pay up to the limit of coverage shown in the schedule for necessary emergency purchases of replacement items for more than the deductible shown on the policy schedule.
- Repatriation Of Mortal Remains
If you pass away due to a bodily injury or illness while the insurance is in effect, the policy will pay benefits up to the amount specified in the policy schedule or schedule of benefits, or the actual costs incurred, whichever is lower, for covered expenses reasonably incurred to repatriate your body from the place of death to India.
- Hijack Distress Allowance
If an air or sea common carrier carrying you or the insured person is hijacked while you are travelling abroad during the insurance period for longer than 12 hours and the trip is disrupted, the policy will pay each insured person up to the maximum amount per day as per the coverage shown in the schedule.
- Personal Liability
Given that the incident occurs while the insured person is travelling abroad during the Period of Insurance, the policy will pay up to the limit specified in the schedule if the insured person is found to be legally liable to a third party under statutory liability provisions in private law for an incident that results in death, injury, damage to one’s health, or damage to one’s property.
- Flight Delay
If your journey is delayed for more than 12 hours because of a covered hazard, the plan will reimburse reasonable additional expenses for the delay up to the maximum specified in the policy schedule or the schedule of benefits.
Exclusions Under the Oriental Overseas Mediclaim Business and Holiday Insurance Plan?
Listed below are the things not covered under the Oriental Overseas Mediclaim Business and Holiday Insurance Plan.
- This insurance is not intended to offer an indemnity for medical services when the need for them results from a pre-existing condition, as that term is defined in the section below on general conditions.
- Any illness for which the insured individual received medical attention or sought advice from a doctor in the year before the trip’s start.
- This coverage does not cover medical expenses that cost more than US$100 unless the insured person interacts with “WTA Travel Services/Heritage” in the way described.
- No claim resulting from the insured person’s involvement in winter sports, skydiving, hand gliding, bungee jumping, scuba diving, or mountaineering will be compensated.
- Losses resulting directly or indirectly from participating in any illegal or criminal activity will not be covered by any claims.
- Any loss for which your real or attempted commission of an unlawful act, your intentional involvement in such an act, your violation or attempted violation of the law, or your resistance to arrest was a significant cause shall not be covered by any claim.
- No compensation will be made for any loss, harm, or damage incurred directly or indirectly by terrorists, terrorist organisation members, drug dealers, or manufacturers of nuclear, chemical, or biological weapons.
- No claims for routine physical examinations or any other exams where there is no demonstrable impairment of normal health will be paid.
- No payment will be made for services rendered by unlicensed healthcare providers or in unlicensed facilities.
- No reimbursement will be made for costs associated with weak, strained, or flat feet, corns, calluses, or ingrown toenails.
- Theft that is not reported within 24 hours of finding the proper police authority, and an official report is not produced.
How To Buy Oriental Overseas Mediclaim Business and Holiday Insurance Plan?
The ability of the Oriental Overseas Mediclaim Business and Holiday policy to cover potential accident or medical treatment costs incurred while travelling is one of the key benefits of choosing it. Oriental Insurance will cover expenses up to the maximum amount indicated in the insurance policy in the event of any accident, dental work, or medical care.
The purpose of the Oriental Overseas Mediclaim Business and Holiday Insurance Plan is to protect you from any unexpected personal medical costs that might occur while you’re on vacation. The advantages include expenses for things like lost baggage claims, delayed or cancelled flights, etc. If you are looking to buy Oriental Overseas Mediclaim Business and Holiday Insurance Plan, listed below are the steps to follow.
- Go to Oriental Insurance’s official website.
- At the top, an orange banner shows the “Buy Online” button. When you hover your mouse over it, “Overseas Mediclaim Policy” will appear under “Travel Policies.” Simply click it.
- When you click on it, gaps where you must input your birthdate, gender, plan type, plan category, trip type, purpose of visit, sum insured plan, country of visit, journey start date, journey end date, passport number, relationship, and more will display. You must also enter the assignee’s information and other medical information.
- You may need to scroll a little bit down the page after properly entering all the required information before clicking “Calculate Premium” and selecting the “Agree” option.
- The information about the premium and the prospective premium payment amount will then be shown. Click the “Continue” link a little farther down after that.
- After that, you must complete your KYC. Fill out the form with your information, including your occupation, address, state, city, and pin code, as well as the information for your nomination. Then, enter your email address. Fill out each field completely and truthfully. Select “Agree” in the declaration box after you have checked all the information. Choose “Continue” from the menu after that.
- You can complete the transaction with your credit/debit card, Net Banking, EMI, or UPI on the payment page that opens after you click it.
- After selecting your preferred payment option. Click “Proceed to Pay” after that. The policy materials and a message will be sent to you through email and your registered mobile number as the final step.
How To File a Claim for the Oriental Overseas Mediclaim Business and Holiday Insurance Plan?
If you are looking to file a claim for the Oriental Overseas Mediclaim Business and Holiday Insurance Plan, follow these steps.
- ‘WTA Travel Services’ must be notified right away by the insured person or his representative. As much information about the illness, accident, or event as is known should be provided to “WTA Travel Services” by the insured person or his agent, including the name of the treating physician, the name and phone number of the hospital, the OMP policy number, and the date of issue.
- ‘WTA Travel Services’ or ‘Heritage’ should be called upon return to the Republic of India and a claim form should be filled out for claims that exceed the deductible.
- Invoices, travel documentation, and any other pertinent information must be forwarded to “WTA Travel Services” or “Heritage” with a clear statement of the provision of this policy under which a claim is being made.
- Please take note that if medical attention has been sought, all bills and receipts, as well as medical certificates describing the nature of the illness or damage, should be sent to “WTA Travel Services” or “Heritage.”
- ‘WTA Travel Services’/’Heritage’ must be notified of a claim no later than 30 days following the conclusion of an insured trip.
Documents To be Submitted in Support of the Claim;
- A letter from the doctor requesting that a member of the patient’s family or a close relative stay with them during their hospital stay and provide them with extra assistance. The minimal amount of hospitalisation time must be specified on the certificate.
- The hospital’s discharge report includes information such as the patient’s admission date, discharge date, and if a family member or close friend was present for all of the patient’s hospitalisation days.
- Original ticket used by the family member or close relative for travel to and from.
- Likewise, any other document that may be properly suitable for the claims that are prioritised under this provision of the policy.
Renew Oriental Overseas Mediclaim Business and Holiday Insurance Plan
A dedicated overseas insurance plan like Oriental Overseas Mediclaim Business and Holiday Insurance Plan offers some incredible benefits, including coverage for personal accidents, lost baggage, and flight cancellations. To protect yourself from any potential difficulties you may encounter while travelling, you must renew your travel insurance policy before leaving. If you are looking to renew the Oriental Overseas Mediclaim Business and Holiday Insurance Plan, listed below are the tips to follow.
- Visit the official website of Oriental Insurance.
- The “Renew” element of the banner is at the top. Just click it.
- Your policy number must then be entered on a new page that will then open. Make sure you type it in properly. Next, pick “Renew Now” from the list.
- In the next step, the insurance renewal premium must be paid. You can then renew your insurance with a credit or debit card.
- When you make the payment, a message containing information about your insurance will be sent to your registered phone number and email address.
Frequently Asked Questions
No, domestic travel is not covered by the Oriental Overseas Mediclaim Business & Holiday Travel Insurance coverage.
No, the Oriental overseas mediclaim business & holiday travel insurance policy doesn’t cover Consequential loss.
The Oriental Insurance Company offers internal surveyors to ensure that the policyholder receives prompt services.
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