Oriental Health Insurance

How Oriental Insurance’s Corona Kavach Policy Can Protect You from COVID-19


How Oriental Insurance’s Corona Kavach Policy Can Protect You from COVID-19

Corona Kavach by Oriental Insurance is a robust health policy that will protect you and your loved ones against the financial burden arising from COVID-19.  In this article, let us show you how this health insurance policy is suitable to fulfill the health requirements of you and your family members. In this article we will talk about the following:-

  • What is covered under the Oriental Corona Kavach policy?
  • Key features of Oriental Corona Kavach Policy
  • What are the exclusions under the Oriental Corona Kavach policy?
  • Oriental Corona Kavach claim settlement procedure
  • Oriental Corona Kavach policy eligibility
  • Oriental Corona Kavach frequently asked questions (FAQs)

What is covered under the Oriental Corona Kavach policy?

Below given are the general inclusions that will be covered or paid for under this policy:-

  • Hospitalization expenses: Oriental’s Corona Kavach plan covers hospitalization expenses of in-patient care arising due to COVID-19. Hospitalization expenses like room, bed charges, nursing, doctor’s fees, etc will also be covered under the policy.
  • Intensive care: This policy covers all Intensive Care Unit (ICU), and Intensive Cardiac Care Unit (ICCU) expenses.
  • Homecare treatment expenses: The plan also covers home care treatment of the policyholder suffering from COVID-19 up to the sum insured for 14 days. Diagnostic tests, doctor’s consultation fees, nursing charges, prescribed medicines, etc are covered under the plan. This plan also pays for medical equipment like PPE kits, oxygen cylinders, pulse oximeters, nebulizers, and so on.
  • AYUSH coverage: Alternative treatments like AYUSH (Ayurveda, Yoga and Naturopathy, Unani, Siddha, and Homeopathy) are covered up to the sum insured limit under the policy.
  • Pre and Post hospitalization: Oriental’s Corona Kavach policy covers 15 days of pre-hospitalization and 30 days of post-hospitalization expenses.
  • Ambulance charges: The policy also pays for road ambulance charges for transferring the patient to the hospital up to Rs 2000 per hospitalization.
  • Daily cash optional benefit: This plan also offers a daily cash benefit as an optional rider which provides extra cushion to the policyholder during a financial crisis. Under this optional rider, the policyholder will receive 0.5% of the sum assured as a daily cash payout during hospitalization.
  • Co-Morbidity coverage: This plan also covers any pre-existing conditions suffered by the policyholder in conjunction with COVID-19. All medical tests, procedures, treatment, etc of the existing medical ailment triggered by COVID-19 shall be covered up to the sum insured.

Key features of Oriental Corona Kavach Policy

Below given are some important key features of Oriental’s Corona Kavach Policy.

  • Sum insured limit: Oriental’s Corona Kavach policy provides a wide range of sum insured options starting from Rs 50,000 up to Rs 5 lacs.
  • Family floater benefit: The company also offers the option to avail of a family floater benefit under which all the members of the family can be protected against COVID-19 under a single policy.
  • Policy tenure: This plan has a tenure of three and half months (3 ½ months), six and half months (6 ½ months), and nine and half months (9 ½ months).
  • Waiting period: This policy has a waiting period of 15 days after which it shall cover hospitalization and medical expenses for COVID-19.

What are the exclusions under the Oriental Corona Kavach policy?

Below provided are a few general exclusions under the Corona Kavach policy:-

  • Experimental/Unproven treatments: Any unproven treatments or experimental procedures that lack medical authentication to prove their effectiveness will not be covered. However, treatments authorized by the government only shall be covered under this policy.
  • Cosmetic procedures: Any cosmetic procedures or surgeries shall not be covered under the policy.
  • Dietary supplements: Any dietary supplements purchased without a doctor’s prescription will not be covered under this policy. However, multivitamins and mineral supplements prescribed by the doctor shall be covered.
  • Treatment outside India: Any treatment availed outside the geographical limit of India will not be covered.
  • Investigation and evaluation tests: Expenses related to any admission primarily for diagnostics and evaluation purposes will not be liable to be paid by the company. Any diagnostic expenses which are not related or not incidental to the current diagnosis and treatment shall not be covered under this policy.

What is Oriental’s Corona Kavach claim settlement procedure

There are two ways the policyholder can file for a claim with Oriental Health Insurance I.e the Cashless claim and reimbursement claim.

For cashless claim

Follow these simple steps laid down for availing cashless treatment:

  • Step 1– The policyholder can avail of cashless treatment when admitted to a network hospital of the company. In case of an emergency inform the insurance company within 24 hours of hospitalization or 72 hours prior to planned hospitalization.
  • Step 2– You will have to duly fill out the claim form available at the hospital and submit it to the TPA department at the network hospital.
  • Step 3– The insurance company will verify all the information and after thorough verification, the company will approve your cashless claim request.
  • Step 4– In case your cashless claim request is not approved by the company due to reasons like unsatisfactory submission of documents, etc, you can avail of the treatment and then apply for reimbursement of the hospital bills from the insurer.

For reimbursement claim

The policyholder will have to avail of a reimbursement claim when admitted to a non-network hospital.

Follow these steps to avail of a reimbursement claim

  • Step 1:- In case of an emergency inform the insurance company within 24 hours of hospitalization or within 72 hours prior to planned hospitalization.
  • Step 2:- Submit all the required documents to the company within 15 days of the discharge date to initiate the claim process.
  • Step 3: The insurance company will then evaluate the claim’s authenticity.
  • Step 4: Once all the supporting documents relating to the claim are proven authentic, the claim will be accepted and the amount shall be reimbursed to the policyholder.

Documents to be submitted for claim

Submit the following documents within 15 days from the date of discharge to the company to initiate the reimbursement claim process.

  • Dully signed and filled authorization form
  • All original medical bills, prescriptions, receipts, reports, etc
  • Original copy of medical reports like x-ray, scans, etc.
  • Photo identification proofs
  • Discharge summary
  • Death certificate ( if applicable)
  • FIR ( if application)

Oriental Corona Kavach policy eligibility criteria

Individuals between the age groups of 18 years and 65 years can opt for Oriental’s Corona Kavach plan. However, under the family floater plan dependent children from day 1 up to 18 years of age shall be covered.

Frequently asked questions about Oriental Health Insurance Corona Kavach

  • What is the minimum age criterion to opt for the Oriental Corona Kavach policy?

    The minimum age to enter the policy is from 1 day for children up to 18 years of age.

  • What is the waiting period under the Oriental Corona Kavach plan?

    There is a waiting period of 15 days from the policy purchase date after which the policy will cover all hospitalization expenses for COVID-19.

  • Is AYUSH treatment covered under the Corona Kavach policy?

    Yes, alternate treatments like Ayurveda, Yoga, Unani, Siddha, Homeopathy, Naturopathy, etc are covered under the plan.

  • Can I avail of tax benefits under the Oriental Corona Kavach policy?

    Yes, you can avail of tax benefits under Section 80 D of The Income Tax Act, 1961, on the premiums paid by you.

  • Is a medical check-up needed before purchasing this policy?

    No, a pre-policy medical check-up before purchasing this policy is not required.

  • Is worldwide coverage available under this plan?

    No, this policy provides coverage for medical treatment availed within the country.

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    Oriental Health Insurance

    Oriental Health Insurance Plans (Top 15 Plans)


    Oriental Health Insurance Plans (Top 15 Plans)

    Oriental health insurance offers a variety of plans to safeguard you and your family’s future. Listed below are the various health insurance plans offered by the Oriental Health Insurance company.

    1. Happy Family Floater Policy
    2. Mediclaim Insurance Policy (Individual)
    3. PNB- Oriental Royal Mediclaim
    4. OBC- Oriental Mediclaim Policy
    5. Mediclaim Insurance Policy (Group)
    6. Oriental Happy Cash – Nischint Rahein
    7. Oriental Super Health Top-up
    8. Pravasi Bharatiya Bima Yojana
    9. Health of Privileged Elders
    10. Arogya Sanjeevani Policy-Oriental Insurance
    11. Overseas Mediclaim Policy (E&S)
    12. Jan Arogya Bima Policy
    13. Oriental Dengue Kavach
    14. Oriental Critical Illness Policy
    15. Corona Kavach and Group Corona Kavach

    1.) Oriental Happy Family Floater policy

    Orientals Happy Family floater policy is a family floater plan that offers coverage to you and your family members under a single sum assured. This plan covers inpatient hospitalization expenses,multiple daycare treatments,pre and post hospotalization charges and much more. You can choose to cover yourself,legally wedded spouse, children and dependent parents under this policy. This plan is available in 3 variants- Silver, Gold and Diamond Plan.

    Key Features

    • Takes care of in-patient hospitalizations expense,multiple daycare treatments, pre and post hospitalizations, ambulance charges and more.
    • Benefit of cover restoration if you exhaust your coverage because of previous claims.
    • Organ donor benefit of up to 10% of the sum insured.
    • Benefit of second medical opinion for 11 major illnesses all round the world between Rs.5,000- Rs. 15,000 depending on the plan selected.
    • Receive daily cash and Attendant allowance benefit of Rs. 600 – Rs. 1000. (for Gold and Diamond plan)
    • Compulsory 10% co payment on ever claim only in the Silver plan.

    Oriental Happy Family Floater policy

    Age Entry

    91 days – 65 years

    Sum Insured

    Rs. 1 lakh – 20 lakh

    2.) Mediclaim Insurance Policy (Individual)

    This is a health insurance plan that provides comprehensive coverage to the insured that safeguards them from hospital related expenditure incurred due to any sickness,illness or any injury.
    You can also cover yourself,your spouse,your children and parents under this policy under family floater basis.

    Key Features

    • Covers reasonable and customary costs in respect of Hospitalization
    • Covers ICU charges,room rent,boarding & nursing expenses,emergency ambulance costs,etc
    • Pays towards anesthesia, Blood, Oxygen, Operation Theater costs,medicines & drugs,etc.
    • Pays 30 days pre and 60 days post hospitalization.
    • Daily cash allowance up to maximum 6 days of hospitalization
    • Covers inpatient Ayush Treatment and Organ donor expense.

    Mediclaim Insurance Policy (Individual)

    Age Entry

    18 years- 70 years

    Sum Insured

    Rs.1lakh- Rs 10 lakh

    3.) PNB- Oriental Royal Mediclaim

    This policy is designed for any account holders of Punjab and National Bank at a low premium cost o protect the from healthcare related expenses.
    This policy can be taken for self along with his family members.

    Key Features

    • Benefit of daily cash benefit during hospitalization only for the primary holder of the policy up to Rs 1,000.
    • The plan covers In-patient Hospitalization expenses in respect of the organ donor provided that the organ donation is for the Insured Person
    • Covers 116 daycare procedures,Ambulance charges, Funeral expense in case of death of the insured max up to Rs 1,000.
    • Covers up to 30 days pre and 60 days post hospitalizations expenses.
    • Covers doctors, surgeons fees, chemotherapy, radiotherapy, medicines, blood, oxygen, etc.

    PNB- Oriental Royal Mediclaim

    Age Entry

    18years -79 years

    Sum Insured

    Rs.1lakhs -10 lakhs

    4.) OBC- Oriental Mediclaim Policy-2017

    Oriental’s Insurance’s OBC Mediclaim policy is made for the account holders of Oriental Bank of Commerce at a affordable premium costs. This particular plans is in 3 variants One account one policy,one person one policy and multiple accounts- one policy.
    This policy can be taken either for the self alone or along with the family under single sum insured.

    Key Features

    • The policy covers inpatient hospitalization,domiciliary hospitalization for the necessary illness or injury
    • Covers 30 days pre and post hospitalization expense along with emergency ambulance costs.
    • Covers for Operation Theater Charges,Chemotherapy,Radiotherapy,Cost of pacemaker,etc.
    • Organ donor expenses can be covered in this policy
    • Daily cash allowance benefit when hospitalized for 24 hours and above

    OBC- Oriental Mediclaim Policy

    Age Entry

    Years 18- 79 years

    Sum insured

    Rs. 1lakh – Rs10 lakh

    6.) Mediclaim Insurance Policy (Group)

    Oriental Insurances mediclaim policy can be purchased by any Corporate group, Organization or company provided there are at least 50 members in the group. This plan provides extensive health coverage to the insured members of the groups safeguarding them from medically related expenses. The members can also choose to extend their coverage to their family members including spouse, children, parents.

    Key Features

    • This policy covers the necessary and customary hospital expenditure of the policyholder.
    • Covers room rent,nursing and boarding,ICU charges
    • Provides Emergency Ambulance cover up to Rs.2000.
    • The plan also covers for Mental illness and HIV
    • Covers advanced and modern technological treatments such as Deep brain stimulation,Oral chemotherapy,Balloon Sinuplasty,etc.
    • Optional Maternity cover along with New born cover available at low premium.
    • Cover In-patient Ayush hospitalization and pre and post hospitalization charges.

    Mediclaim Insurance Policy (Group)

    Age Entry

    18 years onward

    Sum insured

    Rs. 1lakh – Rs10 lakh

    7.) Oriental Happy Cash – Nischint Rahein

    This is a daily cash benefit plan that pays the insured daily lump sum cash allowance when he/she is hospitalized for a maximum period of 24 hours.

    Key features

    • Receive daily cash benefit towards convalescence,when your hospitalization exceeds more than a period of 30 to 60 days.
    • Cash benefit toward in-patient Ayush treatment.
    • 25% additional cash benefit on the hospitalization of a insured female member
    • No medical tests mandatory to avail this policy.
    • The policyholder will receive daily cash upon multiple hospitalizations in the same year.

    Oreintal Happy Cash policy

    Age Entry

    3months – 60 years

    Sum insured

    Rs500 – Rs 3000

    8.) Oriental Super Health Top-up

    This is a Super Top-Up plan which starts covering your medical expenses once you have exhausted the sum insured of your base health insurance policy.

    Key Features

    • Covers inpatient hospitalization expenditures
    • Covers organ donor expense when the insured is the recipient
    • Benefit of Maternity and New born baby cover available
    • Mental illness coverage also available in the policy
    • The plan also covers Modern day advanced treatments like Robotic surgeries, Stereo-tactic radio surgeries, etc
    • Policy coverage can be extended after 70 years of age with paying 10% additional premium

                                                                                    Oriental Super Top-Up plan

    Age Entry

    3 months- 65 years

    Sum insured

    Rs3 lakh  – Rs.30 lakhs

    9.) Oriental Pravasi Bharatiya Bima Yojana

    This plan is designed for any Indian Emigrants going overseas for work related purpose,as well as Indian Citizens who have applied and obtained an emigration clearance as per the Emigrant Act,1983.
    This plan provides accidental death and disability coverage to the insured while working overseas.

    Key Features

    • Lump sum payout of 100% sum insured in case of accidental death of the individual.
    • Lump sum payout of 100% sum insured when suffering from permanent total disablement due to accident.
    • This plan also covers the cost of hospitalization under family floater basis in the event of accident related hospitalization.
    • Maternity coverage available to the insured female under the policy.
    • The policy covers the repatriation expenses in the event of demise of the insured individual.
    • Air transportation cost of the attendant and insured covered in case of death or disability.

    10.) Oriental Health of Privileged Elders (HOPE)

    Oriental’s Health of Privileged plan is exclusively designed for individuals above the age 60 of years,this plan provides coverage towards specific illnesses or conditions in the policy that are prone due to old age.
    The plan provides coverage for accidental injury and multiple treatments such as cardiovascular diseases,chronic renal failure, cancer, orthopedic diseases and more.

    Key Features

    • Covers in-patient hospitalization,domiciliary hospitalization,ambulance expense,etc
    • This plan also covers alternative treatments like Ayush.
    • Covers 30 days pre and 60 days post hospitalization expenditure
    • This policy covers only specified illness in the policy and pays a percentage of Sum assured on the covered condition or illness.

    Oriental Insurance Health of Privileged Elders (HOPE)

    Age Entry

    60 years onward

    Sum insured

    Rs 1 lakh – Rs 5lakh

    11.) Arogya Sanjeevani Policy-Oriental Insurance

    This is a standard Health Insurance policy that is designed to cover Hospitalization Expenses for In-Patient Care or Day Care Treatment incurred for treatment of an Illness/ Injury sustained.
    This plan can be availed on an individual or a family floater basis as well.

    Key Features

    • Covers inpatient hospitalization,multiple daycare treatments, pre and post hospitalization charges, etc.
    • Cumulative bonus of 5% of Sum Insured,Max up to 50% during claim free years.
    • Specified modern and advanced treatments up to 50% of sum insured.
    • Dental treatment and plastic surgery covered, if medically necessitated due to disease and injury.
    • AYUSH Treatment covered up to sum insured.
    • Life-long renewals allowed with no exit age.

                                         Arogya Sanjeevani Policy-Oriental Insurance

    Age Entry

    3months – 65 years

    Sum insured

    Rs. 1 lakh – Rs 20 lakhs

    12.) Overseas Mediclaim Policy (E&S)

    This plan is designed for individuals who are traveling abroad for Education or Employment ,it protects them against any travel or health hazard that can happen overseas.

    Key Features

    • Covers medical expenses in case of an accident or illness
    • Coverage for mental, nervous and emotional disorders is limited to 30 days continuous in-hospital expenses
    • Coverage against accidental death or Permanent Total Disablement due to accident.
    • Covers the cost of repatriation in case of death of the insured.

    13.) Oriental Jan Arogya Bima Policy

    This is a special plan designed for lower income families of the country to provide them with standard health car coverage at a low premium cost.

    Key Features

    • Covers medical expense and inpatient hospitalization
    • Cover domiciliary treatment expenses
    • Pays Diagnostic Materials and X-Ray, Dialysis, Chemotherapy, Radiotherapy, Cost of Pacemaker, Artificial Limbs & Cost of organ
    • Coverage for room rent,ICU charges, nursing and boarding charges.
    • The policy term is of 1 year

    Oriental Jan Arogya Bima Policy

    Age Entry

    3months – 70 years

    Sum insured

    Rs. 5,000/

    14.) Oriental Dengue Kavach

    Oriental’s Dengue kavach policy provides the insured individual lump sum benefit of 100% sum insured on the first positive diagnosis of Dengue fever.
    You can also include to cover your family under this policy.

    Note:- this is only a benefit based policy,it does not cover the cost hospitalization.

    Key Features

    • Receive lump sum benefit on the first positive diagnosis of dengue
    • Waiting period of thirty days from the beginning of the policy

    Oriental Dengue Kavach policy

    Age Entry

    18 years-65 years

    Sum insured

    Rs. 10,000 – Rs. 20,000

    15.) Oriental Critical Illness Policy

    As the name suggests, this policy is crafted to secure the insured against listed critical illnesses or conditions in the policy. Under this the insured will receive 100% lump sum benefit on his first diagnosis of any of the specified life threatening illnesses or conditions such as cancer of specified severity, first heart attack, open heart surgery, paralysis, stroke and more

    This plan comes under 2 variants- plan A and Plan B

    • Plan A- covers 11 critical illnesses
    • Plan B- covers 22 critical illnesses

    Key Features

    • 100% sum insures on first diagnose of any of the specified illness or conditions
    • Medical Second Opinion Benefit max of up to Rs. 10,000

    Oriental Critical Illness Policy

    Age Entry

    18 years – 65 years

    Sum Insured

    Rs 2 lakh- Rs 50 lakh

    16.) Oriental Corona Kavach and Group Corona Kavach

    Corona Kavach policy offers to safeguard you against hospital expenditure incurred due to the treatment of Covid-19.
    This plan can be availed on family floater as well as individual basis.

    Key Features

    • This plan covers inpatient Hospitalizations,home care treatment incurred for treatment for Covid-19 during the policy period.
    • Covers inpatient Ayush treatment.
    • Covers 15 days pre and 30 days post hospitalization expenses.
    • Daily cash benefit for each 24hours of hospitalization for treatment of corona virus.
    • Covers room rent,ICU,oxygen,ventilator costs, etc.

    Author Bio

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