Oriental Insurance
Health of Privileged Elders
Decent Choice for 60+: Covers pre-existing complications after 2 years, but you'll need to split the bill each time you're hospitalized. If you have other options, this policy might be a letdown.
Decent Choice for 60+: Covers pre-existing complications after 2 years, but you'll need to split the bill each time you're hospitalized. If you have other options, this policy might be a letdown.
What We Like
This section highlights the strengths and benefits of Health of Privileged Elders policy by Oriental Insurance. It covers what the policy does exceptionally well, including aspects that provide significant value and peace of mind to the policyholder. Here, you will find the major advantages and positive features that make this policy stand out.
Diagnostic Tests Coverage (30 days/60 days): No worries if the doctor has to run a series of diagnostic tests before or after hospitalizing you. The i...
Minor Procedure Full Coverage: If you're hospitalized for less than 24 hours for a minor procedure, the insurer will cover the costs. This includes tr...
Full Coverage for Alternative Treatments: Thinking of getting Ayurvedic, Homeopathic, or other alternative treatments to cure an illness? Your insure...
Domiciliary Cover (20% of Sum Insured): The insurer will pay up to 20% of the sum insured if you are forced to hospitalize at home due to a medical co...
What We Don't Like
This section addresses the limitations and drawbacks of Health of Privileged Elders policy by Oriental Insurance. It highlights areas where the policy may fall short or aspects that could be improved. Understanding these points is crucial for making an informed decision and managing expectations regarding the policy’s coverage and service.
Room Rent Limit (1% for General, 2% for ICU): Your insurer won’t let you stay in a room whose rent exceeds 1% of the sum insured. For ICU, the limit i...
Room Rent Limit (1% for General, 2% for ICU): Your insurer won’t let you stay in a room whose rent exceeds 1% of the sum insured. For ICU, the limit i...
80% Co-Payment: The policy will cover 80% of the final bill, leaving the remaining 20% as your responsibility. This is known as a co-payment.
Coverage After 2 Years: If you're dealing with diabetes, cardiovascular problems, or similar illnesses, the insurer covers all costs related to these ...
Coverage Limits for Specific Illnesses: Your insurance cover won’t be fully available if treated for accident injury, knee replacement, cardiovascular...
No Full Cover Restoration: This policy does not restore full cover after a partial claim within the same year, unlike some policies that offer this be...
No Full Cover Restoration: This policy does not restore full cover after a partial claim within the same year, unlike some policies that offer this be...
Room Rent Limit (1% for General, 2% for ICU): Your insurer won’t let you stay in a room whose rent exceeds 1% of the sum insured. For ICU, the limit i...
80% Co-Payment: The policy will cover 80% of the final bill, leaving the remaining 20% as your responsibility. This is known as a co-payment.
Coverage After 2 Years: If you're dealing with diabetes, cardiovascular problems, or similar illnesses, the insurer covers all costs related to these ...
Coverage Limits for Specific Illnesses: Your insurance cover won’t be fully available if treated for accident injury, knee replacement, cardiovascular...
No Full Cover Restoration: This policy does not restore full cover after a partial claim within the same year, unlike some policies that offer this be...
No Full Cover Restoration: This policy does not restore full cover after a partial claim within the same year, unlike some policies that offer this be...
80% Co-Payment: The policy will cover 80% of the final bill, leaving the remaining 20% as your responsibility. This is known as a co-payment.
Coverage After 2 Years: If you're dealing with diabetes, cardiovascular problems, or similar illnesses, the insurer covers all costs related to these ...
Coverage Limits for Specific Illnesses: Your insurance cover won’t be fully available if treated for accident injury, knee replacement, cardiovascular...
No Full Cover Restoration: This policy does not restore full cover after a partial claim within the same year, unlike some policies that offer this be...
No Full Cover Restoration: This policy does not restore full cover after a partial claim within the same year, unlike some policies that offer this be...
Coverage After 2 Years: If you're dealing with diabetes, cardiovascular problems, or similar illnesses, the insurer covers all costs related to these ...
Coverage Limits for Specific Illnesses: Your insurance cover won’t be fully available if treated for accident injury, knee replacement, cardiovascular...
No Full Cover Restoration: This policy does not restore full cover after a partial claim within the same year, unlike some policies that offer this be...
No Full Cover Restoration: This policy does not restore full cover after a partial claim within the same year, unlike some policies that offer this be...
Coverage Limits for Specific Illnesses: Your insurance cover won’t be fully available if treated for accident injury, knee replacement, cardiovascular...
No Full Cover Restoration: This policy does not restore full cover after a partial claim within the same year, unlike some policies that offer this be...
No Full Cover Restoration: This policy does not restore full cover after a partial claim within the same year, unlike some policies that offer this be...
No Full Cover Restoration: This policy does not restore full cover after a partial claim within the same year, unlike some policies that offer this be...
No Full Cover Restoration: This policy does not restore full cover after a partial claim within the same year, unlike some policies that offer this be...
No Full Cover Restoration: This policy does not restore full cover after a partial claim within the same year, unlike some policies that offer this be...
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