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Claim Procedure for The Oriental Insurance Company Ltd.


Procedure for Reimbursement Claims

Preliminary notice of claim with particulars relating to Policy Number, name of insured person in respect of whom claim is to be made, nature of illness/injury and Name and Address of the attending medical practitioner/Hospital/Nursing Home should be given to the Company/TPA within 7 days from the date of hospitalization in respect of reimbursement of claims from time to time.

Final claim along with hospital receipted original Bills/Cash memos, claim form and documents as listed in the claim form should be submitted to the Policy issuing Office/TPA not later than 30 days of discharge from the hospital. The insured may also be required to give the Company/TPA such additional information and assistance as the Company/ TPA may require in dealing with the claim, from time to time.

Waiver: Waiver of period of intimation may be considered in extreme cases of hardships where it is proved to the satisfaction of the Company/TPA that under the Circumstances in which the insured was placed it was not possible for him or any other person to give such notice or file claim within the prescribed time limit. This waiver cannot be claimed as a matter of right.

Procedure for Cashless Claims:

Claims in respect of Cashless facility will be through the agreed list of Network Hospital / Nursing Home / Day Care Centre and is subject to pre-admission authorization. The TPA shall, upon getting the related medical information from the insured person /network provider, verify that the person is eligible to claim under the policy and after satisfying itself will issue a pre-authorization letter / guarantee of payment letter to the Hospital / Nursing Home / Day Care Centre mentioning the sum guaranteed as payable and also the ailment for which the person is seeking to be admitted as a patient. The TPA reserves the right to deny pre-authorization in case the insured person is unable to provide the relevant medical details as required by the TPA. The TPA will make it clear to the insured person that denial of Cashless facility is in no way construed to be denial of treatment. The insured person may obtain the treatment as per his /her treating doctors advice and later on, submit the full claim papers to the TPA for reimbursement subject to admissibility of claim under terms and conditions of the policy.

Document Checklist

  • Copy of Claim intimation given to Company together with xerox of policy & premium receipt
  • Duly filled Claim Form
  • Hospital Discharge Report/Medical Treatment Report
  • Medical recovery report
  • Original Test Reports(X-Rays/Sonography/ECG etc.)
  • Details of medical expenses original bills/cash memos receipts along with prescriptions
  • Leave certificate from employer
  • Hospital/Nursing Home Registration No. if not registered then treating doctor's certificate about no of beds, availability of qualified doctors, qualified nurses/staff round the clock and fully equiped operation theater in the hospital/Nursing home
  • Police Panchnama/first information report about accident
Download Claim Form