What is the waiting period for pre-existing diseases in Bajaj General Mediclaim Insurance?

Pre-existing diseases are covered after 36 months of continuous coverage from the first policy inception date. Continuity benefits may apply under portability guidelines.

What additional benefits are available in the Platinum Plan?

The Platinum Plan includes recharge benefit, super cumulative bonus, maternity cover, newborn baby cover, and enhanced room eligibility options.

Does Bajaj General Mediclaim Insurance offer cashless claims?

Yes, cashless hospitalization is available at network hospitals associated with Bajaj General Insurance. Pre-authorization and claim approval conditions apply.

OneAssure

Health Insurance

Oriental

Mediclaim Insurance Policy

Mediclaim Insurance

Experience India's most trusted health insurance with Oriental Health Insurance. Get instant cashless treatment at 4500 network hospitals with sum insured up to ₹50 lakhs.

95.49

Claim Settlement Ratio

4500

Network Hospitals

0

Customer Rating

Policy Brochure

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95.49

Claim Settlement Ratio

4500

Network Hospitals

0

Customer Rating

Policy Brochure

Our Verdict

Expert Review: Oriental Health Insurance

Final Verdict

Bajaj General Mediclaim Insurance combines hospitalization cover with maternity benefits, wellness rewards, and recharge benefits in higher variants. It is suitable for individuals and families looking for flexible mediclaim coverage options with long-term protection

About

About Oriental Health Insurance

Bajaj General Mediclaim Insurance under the Health Guard policy is designed to provide financial protection against hospitalization and medical emergencies. The policy is available in Silver, Gold, and Platinum variants with coverage for inpatient hospitalization, daycare procedures, AYUSH treatment, bariatric surgery, organ donor expenses, and preventive health check-ups. Gold and Platinum plans additionally include maternity and newborn baby cover, while the Platinum plan provides recharge benefit and super cumulative bonus. The plan also offers wellness discounts, optional air ambulance cover, and cashless treatment across a wide hospital network.

Bajaj General Mediclaim Insurance under the Health Guard policy is designed to provide financial protection against hospitalization and medical emergencies. The policy is available in Silver, Gold, and Platinum variants with coverage for inpatient hospitalization, daycare procedures, AYUSH treatment, bariatric surgery, organ donor expenses, and preventive health check-ups. Gold and Platinum plans additionally include maternity and newborn baby cover, while the Platinum plan provides recharge benefit and super cumulative bonus. The plan also offers wellness...

Testimonials

Real People. Real Relief

These are the moments that show what we really do. We don't sell you a policy. We stand by you when it matters most.

I want to sincerely thank Sunad for being there for me throughout the entire claim process. He helped me through so many ups and downs, always patient and ready to support when things got tough. I honestly don’t know how I would have managed without his guidance and encouragement. Sunad made a difficult situation feel a lot less stressful, and I’m truly grateful for his kindness and steadfast help.

Prashant Pandey

Mumbai, Maharashtra

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.

Jatin Gala

Mumbai, Maharashtra

My heartfelt thanks to the OneAssure team for making my insurance claim process effortless. Right from the very first interaction, they demonstrated professionalism, clear communication, and an impressive command of the procedures involved. Their swift updates, timely guidance, and persistent follow-through removed all the stress from what could have been a complicated experience.

Anju Renjith

Bengaluru, Karnataka

I am truly grateful for the support and guidance I received in settling my insurance claim. The entire process was handled with great professionalism, clarity, and efficiency. Their prompt response, deep knowledge of the procedures, and consistent follow-ups ensured a smooth and hassle-free experience.Thank you once again for your invaluable help, highly recommended!

Yogesh Meena

Jaipur, Rajasthan

I recently had the pleasure of purchasing health insurance for my parents through this company, and my experience has been exceptional...The team was incredibly patient and took the time to explain every detail to me. No matter how many times I asked questions, they were always calm and thorough in their explanations. Their professionalism and dedication made a significant difference in helping me make an informed decision.

Akash Kumar

West Bengal

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Inclusions and Exclusions

Inclusions and Exclusions of Oriental Insurance Company Limited

Advanced Treatments

Bariatric Surgery
Dialysis
Chemotherapy
Radiotherapy
Prosthetic Devices
Pacemaker Implant
Vascular Stents

Co-payment

Zone-based co-payment applicable
Optional voluntary co-payment available

Cashless Healthcare Providers

Cashless hospitalization available at network hospitals

Waiting Period

Initial Waiting Period: 30 days
Pre-existing Disease Waiting Period: 36 months
Specific Disease/Procedure Waiting Period: 24 months

Daycare Treatment

Covered

AYUSH Treatment

Covered

Room Rent

Normal:Silver Plan: Up to 1% of Sum Insured per dayGold & Platinum Plan (₹3L–₹7.5L): Single Private AC RoomGold & Platinum Plan (₹10L and above): Any Room CategoryICU:Actual ICU expenses covered

Advanced Treatments

Bariatric Surgery
Dialysis
Chemotherapy
Radiotherapy
Prosthetic Devices
Pacemaker Implant
Vascular Stents

Co-payment

Zone-based co-payment applicable
Optional voluntary co-payment available

Waiting Period

Initial Waiting Period: 30 days
Pre-existing Disease Waiting Period: 36 months
Specific Disease/Procedure Waiting Period: 24 months

Exclusions

Not available

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About the company

Oriental Insurance Company started in 1947 in Mumbai. It began as a small insurance provider and grew steadily over the years. Today, it is one of India’s leading public-sector general insurance companies. The company offers a wide range of products, including health, motor, travel, property, and agriculture insurance. Over the decades, Oriental has expanded across India, with many branches and international offices in Nepal, Kuwait, and Dubai. It serves millions of people and has built a strong reputation for reliability. People trust Oriental because it is backed by the Government of India and focuses on customer service. Its policies are...

Oriental Insurance Company started in 1947 in Mumbai. It began as a small insurance provider and grew steadily over the years. Today, it is one of India’s leading public-sector general insurance companies. The company offers a wide range of products, including health, motor, travel, property, and agriculture insurance. Over the decades, Oriental has expanded across India, with many branches and international offices in Nepal, Kuwait, and Dubai. It serves millions of people and has built...