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Last updated on: August 7, 2025
The key pain points associated with choosing 1 crore health insurance in India for 2025 include justifying the high sum insured, understanding the layered policy structure, and ensuring inclusion of global and specialized treatment benefits. The featured 1 Crore Health Insurance in India effectively addresses these issues by offering all-inclusive coverage for high-cost treatments, international medical care, critical illnesses, and long-term hospitalization. It is ideal for HNIs, business owners, and families seeking top-tier medical protection without financial limits. The platform enhances user clarity with transparent breakdowns, AI-driven customization based on lifestyle and risk exposure, and expert guidance to ensure maximum return on investment and seamless claims experience.
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Read BioOriental Health Insurance PNB Royal Mediclaim Policy is a collaborative health insurance cover, which is developed with the only aim of offering a comprehensive health insurance cover to the account holders of Punjab National Bank in 2025. The policy is to provide individual and family cover at a low premium with the objective of covering the rising hospital bills. Oriental Insurance Company has been described as a company of trust, large network and customer friendly claims process that supports the plan.
The current healthcare needs are addressed by the high sum insured plans, the flexibility of benefits and the wider coverage of pre and post-hospitalisation, major illnesses, etc. The policy is unique to the Indian family, which is to provide efficient financial security during sudden medical emergencies and hospitalization.
You may not know? According to IRDAI, out of pocket expenses incurred by an average Indian family in medical expenses exceed 80 percent, and this implies that a comprehensive mediclaim policy in 2025 will be required to achieve financial stability.
Oriental PNB Royal Mediclaim Policy is one of the strongest and customer friendly health policies in India and by choosing this policy you are investing in a strong policy. The most significant ones are the following:
The Oriental PNB Royal Mediclaim Policy is different in the sense that it has a tie-up with PNB which implies that it is easily accessible and offers more benefits to the bank customers. Also, the policy holders are given convenience of claiming and direct bank support at PNB branches.
Insider opinion: Mahesh Rawal, an insurance industry analyst, says that the claim settlement ratio is better and the customer receives the cashless benefits easily when they purchase insurance through the bank tie-ups.
To get best value of your premium, comparison is needed. The following is a short data table of the comparison of the Oriental PNB Royal Mediclaim Policy and two of the most popular health insurance policies in India, as of 2025:
| Feature | Oriental PNB Royal Mediclaim | XYZ Secure Health Plan | Secure Life Health Plus |
|---|---|---|---|
| Adult entry age (years) | 18 - 79 | 18 - 65 | 18 - 70 |
| Sum Insured | 1 - 10 lakhs | 2 - 10 lakhs | 2 - 20 lakhs |
| Family floater option | No | No | No |
| Pre-existing Disease Waiting | 3 years | 4 years | 3 years |
| Cashless Network Hospitals | 6000+ | 5000+ | 7200+ |
| Premium Estimate (2A+2C, 5L SI, 35 yrs avg) | 9,500 | 11,800 | 13,200 |
The real premiums depend on the age, location, health condition.
This is an illustration, the real rates in 2025 may change.
Q. Does Oriental Health Insurance PNB Royal Mediclaim offer lesser waiting period on pre-existing diseases?
A. Yes, the policy is competitive in terms of its 3-year waiting period that is competitive in terms of health insurance plans in India.
The policyholders rest assured that most of the hospitalization expenses are covered. The coverage highlights are:
Did you know? As the medical technology develops and the length of hospital stay decreases, in 2025, over 60 new day care procedures are covered by the best mediclaim plans.
The PNB Royal Mediclaim Policy is a wide protection policy but there are exclusions to prevent misuse or moral hazard.
Q. Does it include dental or eye care?
A. Dental and eye care is not covered much except when it is necessitated by an accident during hospitalisation.
Expert opinion: Policies purchased through such tie-ups with big banks are usually stable in terms of premium and settlement but it is always advisable to read the policy wordings to get the fine print as indicated by health insurance advisor Rekha Joshi.
The buy and renew process is easy in 2025. And this is the way you can do it easily:
Online markets will enable you to view not only the products of the Oriental Insurance but also those of other insurers to make your choice really informed.
Did you know? Most policyholders in 2025 prefer a hybrid purchase: they want to see what is possible on the digital channel and finish the process at the bank branch they know.
Case example: Mrs. Radhika Gupta, age 41 years, came to one of the leading hospitals in Delhi with an emergency gallbladder surgery. As her family was insured under the Oriental PNB Royal Mediclaim Floater Policy (Sum Insured 7 lakh), her entire hospital bill of Rs 2.2 lakh inclusive of all doctor, diagnostic and pharmacy expenses was settled cashless in 24 hours. The family paid no advance money and they had the benefit of pre-authorization through their PNB account.
Q: What is the speed of cashless processing of claims in Oriental PNB Royal Mediclaim?
A: It usually takes 2 to 24 hours after the hospital has submitted the required documents because of the advanced e-claim processing systems.
Q1. Who can buy Oriental Health Insurance PNB Royal Mediclaim Policy?
Any person with a savings or current account with Punjab National Bank or a joint account holder can buy this health cover.
Q2. Does it come with co-payment?
When it comes to persons above 65 years, a 10 percent co-payment is made on each amount of claim.
Q3. Can sum insured be increased on renewal?
Yes, sum insured can be renewed and it is underwriting dependent on the claim history.
Q4. What is the claim settlement ratio of the Oriental Insurance?
Claims settlement ratio is also among the best with IRDAI reports showing that Oriental Insurance was more than 94 percent in the previous financial year.
Q5. Does it come with health check-up?
Yes, up to a limit, a health check up benefit is reimbursed after every four years of no claims.
Expert view: Ritesh Nanda, a health cover strategist says, “Before increasing the sum insured, particularly in the case of senior citizens, check the co-payment and sub-limit clauses.”
Claiming has become fully digitalised and customer friendly. Steps include:
Q: Are Oriental PNB Mediclaim claims trackable online?
A: Yes, you can track the status of claim any time through Oriental Insurance digital customer portal or through SMS alerts.
Did you know? The renewal of policy on time will ensure continuity of waiting period and avoid coverage gap that can result in rejection of important claims.
Q: Can the non-PNB customers avail of the Oriental PNB Royal Mediclaim?
No, the PNB account holders and their families can buy this policy.
Q: Does it pay pre-existing disease Day 1?
No, the majority of pre-existing diseases are subject to 3 year waiting period.
Q: Can this health insurance be bought by senior citizens above 70 years?
Yes, up to 79 years at entry. Rejuvenation of life is guaranteed.
Q: Do alternate medicines (AYUSH) cover?
Yes, up to the limit of the sum insured in the government-recognized AYUSH hospitals.
Q: How do I make a claim?
Discharge summary, hospital and pharmacy bills, investigation reports, identity proof and mediclaim policy copy.
Q: How do I compare Oriental PNB Royal Mediclaim with other plans?
Compare features, sum insured, benefits and premiums in real-time using key online health insurance marketplaces.
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Written by Prem Anand, a content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors.
Prem Anand is a seasoned content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors. He has a strong command of industry-specific language and compliance regulations. He specializes in writing insightful blog posts, detailed articles, and content that educates and engages the Indian audience.
The content is prepared by thoroughly researching multiple trustworthy sources such as official websites, financial portals, customer reviews, policy documents and IRDAI guidelines. The goal is to bring accurate and reader-friendly insights.
This content is created to help readers make informed decisions. It aims to simplify complex insurance and finance topics so that you can understand your options clearly and take the right steps with confidence. Every article is written keeping transparency, clarity, and trust in mind.
Based on Google's Helpful Content System, this article emphasizes user value, transparency, and accuracy. It incorporates principles of E-E-A-T (Experience, Expertise, Authoritativeness, Trustworthiness).
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