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For Comparative Insurance Quote: Om Plaza, 430/7, 1st Floor, Sant Nagar, East of Kailash, New Delhi-65
Phone: 011-41324957, 41623784, Mob:+91-8447757651 & 53 Email:
Individual Mediclaim and family Health Insurance Products in India (Single Person)
(1) Comparison of Individual Health Insurance Policies (2) Premium Comparative Chart Individual Health Insurance
(3) Coverage & Exclusion under Individual Insurance (4) Policy Wording/ Proposal Form/ Brochure
(5) Product details of Various Companies for Individual Health Insurance
General/ Health Insurance Companies Products
Apollo Munich Insurance Co. Ltd.
Bajaj Allianz General Insurance Company Limited
Cholamandalam Ms General Insurance Company Limited
Future Generali India Insurance Co. Ltd.
HDFC Ergo General Insurance Company Limited
ICICI Lombard General Insurance Co. Ltd.
IFFCO Tokio General Insurance Co. Ltd.
National Insurance Company Limited
Reliance General Insurance Co. Ltd.
Religare Health Insurance Company Limited
Royal Sundaram General Insurance Co. Limited
Star Health and Allied Insurance Co. Ltd.
Tata AIG General Insurance Co. Ltd.
The New India Assurance Co. Ltd.
The Oriental Insurance Co. Ltd.
United India Insurance Co. Ltd.
Universal Sompo General Insurance Co. Ltd.
(6) Specimen Premium Rates of Insurance Company's
6- Specimen Premium Rates of Insurance Company's
Source: Website of The Oriental Insurance Company Limited
b) Oriental Insurance Co. Ltd.
The expenses on treatment of following ailments/ diseases/ surgeries are not payable if contracted and/ or manifested during the specified period since inception.
i Benign ENT disorders and surgeries i.e. Tonsillectomy, Adenoidectomy, Mastoidectomy ,Tympanoplasty etc. 1 years
ii Polycystic ovarian diseases 1 years
iii Surgery of hernia. 2 years
iv Surgery of hydrocele. 2 years
v Non infective Arthritis. 2 years
vi Undescendent Testes 2 years
vii Cataract 2 years
viii Surgery of benign prostatic hypertrophy 2 years
ix Hysterectomy for menorrhagia or fibromyoma or myomectomy or prolapse of uterus. 2 years
x Fissure / Fistula in anus 2 years
xi Piles 2 years
xii Sinusitis and related disorders 2 years
xiii Surgery of gallbladder and bile duct excluding malignancy 2 years
xiv Surgery of genitor urinary system excluding malignancy 2 years
xv Pilonidal Sinus 2 years
xvi Gout and Rheumatism 2 years
xvii Hypertension 2 years
xviii Diabetes 2 years
xix Calculus-diseases 2 years
xx Surgery for prolapsed inter vertebral disk unless arising from accident 2 years
xxi Surgery of varicose veins and varicose ulcers 2 years
xxii Congenital internal diseases 2 years
xxiii Joint Replacement due to Degenerative condition 4 years
xxiv Age related osteoarthritis and Osteoporosis 4 years
For renewal of existing policies of the company the waiting period will continue to be the one specified under the existing policy. A letter to this effect must be sent to all the existing policyholders well in advance of the renewal date. This benefit shall not be allowed on renewal of policy of other companies', being proposed for insurance now, to our Company.

12. FAMILY PACKAGE POLICY : A Proposer above 45 years applying for Individual Mediclaim Policy (fresh / renewal) shall be covered only under Family package policy, (i.e. alongwith all members of his family) Sum Insured will be dentical for all family members, except as defined in 5 above.
Proposals exceeding sum insured of Rs. 3 lacs in the age band '45 to 60 years 'and Rs. 2 lacs in the age band 'beyond 60 years' shall be accepted only by the Chief Regional Manager /Dy.G.M./ I/c.
A person who had been covered for a higher sum insured prior to his attaining the age of 45 years may continue with the higher sum insured upon attaining the age of 45 years.
13. FAMILY DISCOUNTS: A discount of 10% will be allowed provided all family members of the Insured are covered. A suitable proof in support of family members is to be obtained e.g. attested photocopy of ration card or attested photo with names written.
14. EARLY ENTRY DISOUNT: Is a feature introduced in the modified policy.
If a person takes the Mediclaim Policy before attaining the age of 45 years and and renews it continuously without break, then at each renewal ( till 55 years ) 5% discount subject to maximum of 25% will be given, till he / she reaches the age of 55 years provided incurred claims ratio for all these years in aggregate is less than 50%.
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