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The Oriental Corporate Insurance

Group Mediclaim Policy

Mediclaim Insurance is a cover which takes care of medical expenses following Hospitalization/Domiciliary Hospitalization of the Insured in respect of the following situations: (A) In case of a sudden illness (B) In case of an accident (C) In case of any surgery which is required in respect of any disease which has arisen during the policy period. The major benefit for taking a Group Mediclaim policy is that the insured gets a Group discount; hence the premium per person is lower.

Covered Risks:
This cover is a hospitalization cover and reimburse the medical expenses incurred in respect of covered disease /surgery while the insured was admitted in the hospital as an in patient.The cover also extends to pre- hospitalsation and post- hospitalisation for periods of 30 days and 60 days respectively

Major Exclusions :
Any pre-existing disease,any expense incurred during first 30 days of cover except injury due to accident,all expenses incurred in respect of any treatment relating to pregnancy and child birth. Treatment for Cataracts,Benign prostatic hypertrophy,Hysterectomy, Menorrhagia or Fibromyoma, Hernia,Fitula of anus,Piles, Sinusitis, Asthma,Bronchitis, All Psychiatric or Psychosomatic disorders are excluded from the scope of the cover

Comprehensive Health Insurance Scheme

Under National Common Minimum Programme, Comprehensive Health Insurance Scheme for one district in each state in 2004-05 has been formulated for plementation with community participation.

The Salient Features of the Scheme are:
•  Primary focus of Health Insurance in the Pilot District would be the poorer section of the society i.e. both BPL and Non-BPL. The experience gained from the outcome in implementing the scheme in these Pilot Districts would form the basis for possible expansion and its replication in other districts in future. To focus on the health nsurance needs of the Population by marketing the entire range of existing Health nsurance products catering to the needs of all income groups such as Mediclaim,Bhavishya Arogya, Jan Arogya, Universal Health, Swasthya Bima Policies etc.
•  All the existing Health Insurance products would be marketed to the population in the Pilot District in a holistic manner by mobilizing support from different agencies viz. State Government, Local bodies, Community based organizations, NGOs, Cooperatives and other organizations involved in Social Sector activities.
•  The four Public Sector Insurance Companies would market the product by utilizing the existing marketing channels.
•  The claims settlement process would be simplified depending upon the availability of the Third Party Administrators (TPAs) or through Tie-up arrangements with Service Providers, medical facilities would be provided cash-less, as far as possible.
•  The programme will be undertaken, in one District in each State ideally be the one that have a strong presence of Community Based Organizations and having a reasonable health infrastructure and delivery mechanism.
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