Orient Health Insurance - Features & Benefits

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Orient Insurance Company (OIC) was incorporated in 1982 as a part of a well-known AI-Futtaim Group & has since recorded steady growth. The company has recorded the highest net profit among the local insurance providers across the United Arab Emirates for 2 consecutive years i.e. 2010 and 2011.

Counted among the best insurance providers in the UAE market, OIC specializes in offering health insurance at affordable rates to its potential customers. The company offers tailor-made and innovative health insurance plans that provide worldwide coverage along with flexible premium payment options. The company has received service excellence and it always comes out with extraordinary insurance products for offering the best to its potential customers.

Key Features & Benefits of Orient Health Insurance

Given below are the orient health insurance plans and their eminent features & benefits:

1. OrientCare Plus

Orient Health Insurance Company offers OrientCare Plus to provide liquidity in order to meet the financial requirements during a medical emergency. It immediately pay-out upon confirmed diagnosis of the illness that is covered under the plan. Following are the key features and benefits of this orient health insurance plan:

  • Sum Assured/Lump Sum Amount: A lump sum amount is paid out right away post twenty-eight days of diagnosis of the treatment any serious illness that is covered under this health insurance plan.
  • Critical Illness Cover: This Orient Health Insurance plan covers up to 37 serious/critical illnesses.
  • Scope of Coverage: The policyholder gets worldwide coverage.
  • Risk Coverage: The insured can get protection for ten years from the medical plan start date.
  • Plan Currency: Orient Health Insurance offers flexible premium payment options. And the policyholder can make the premium payment in AED/USD/OMR.
  • Free Look Period: The policyholder gets a free look period of 14 days from the policy issuance date.
  • Waiting Period: This medical insurance plan has a waiting period of three months i.e. 90 days from the policy issuance date.
  • Plan term: The Orient Health Insurance Company offers this medical plan for 5 and 10 years only.
  • Medical Tests: There is no medical test required up to AED 275,000 of cover.

2. WomanCare

The Orient Health Insurance Company offers a WomenCare plan to provide medical insurance coverage to females. It is basically a Female cancer plan whose main aim is to cover against seven types of serious illnesses that are female-specific. Following are the key features and benefits of this Orient health insurance plan:

  • Critical Illness Coverage: This is a comprehensive plan that covers 7 types of women’s critical illnesses.
  • Scope of Coverage: The policyholder gets worldwide coverage.
  • Quick Processing: This Orient health insurance plan can be availed easily and quickly as minimum documentation is required.
  • Sum Assured/Lump Sum Amount: A lump sum amount will be paid out right away post twenty-eight days of diagnosis of any serious illness that is covered under this health insurance plan.
  • Plan term: The Orient Health Insurance Company offers this medical plan for a maximum of 5 years.
  • Minimum & Maximum Sum Assured: The minimum sum assured amount is AED 50,000 while the maximum sum assured amount is AED 250,000 under this Orient Health Insurance
  • Free Look Period: The policyholder gets free look period of 30 days from the policy issuance date.
  • Waiting Period: This medical insurance plan has a waiting period of three months i.e. 90 days from the policy issuance date.
  • Plan Currency: The policyholder can make the premium payment in Dirhams (AED) only.

3. Individual & Family Medical Insurance

Health insurance coverage is much-needed for each and every individual because everyone deserves the best health care in an event of a medical emergency. Considering this point in mind, the Orient Health Insurance Company offers individual and family medical insurance in order to fulfill every individual’s medical and financial needs. Below are the different individual and family medical insurance plans:

DHA EPB (Essential Benefits Plans)

  • EMed (Individual Medical insurance Policy for Low Salary Employees)
  • DMed(Individual Medical insurance Policy for non-working dependents)
  • IMed(Individual Medical insurance Policy for investors)

Features and benefits of DHA EPB:

Below mentioned are the key features and benefits of this Orient Health Insurance plan:

  • Scope of Coverage: The policyholder gets coverage in the United Arab Emirates (UAE).
  • Annual Limit: The annual limit is AED 150,000.
  • Network: NEXtCARE PCP clinics are for outpatient services and the NEXtCARE RN3 clinics are for emergency and inpatient services.
  • Conditions for Pre-existing Conditions: Treatment for pre-existing and chronic conditions are excluded for the initial six months of 1st scheme membership.
  • Co-Payment: 20% of the sum assured is payable by the insured.

Northern Emirates Individual Policies (for Northern Emirates Visa-Holders)

  • NEMed
  • NEMed Enhanced

Features and benefits of Northern Emirates Individual Policies:

Below mentioned are the key features and benefits of this Orient Health Insurance plan:

  • Territorial Scope of Coverage: The policyholder gets the coverage in the United Arab Emirates (UAE) excluding the AI Ain Emirates and Abu Dhabi.
  • Annual Limit: The annual upper limit is up to AED 150,000 on aggregates, sub-limits apply.
  • Network: NEXtCARE’s PCP RN3 clinics are for outpatient services.
  • Conditions for Pre-existing Conditions: Treatment for pre-existing and chronic conditions are excluded for the initial 12 months.
  • Co-Payment: 20% of the sum assured is payable by the insured.

Conventional Plans

  • Family Care Plan
  • Health Plus

Features and benefits of Conventional Plans:

Below mentioned are the key features and benefits of this Orient Health Insurance plan:

  • Scope of Coverage: The policyholder gets worldwide coverage.
  • Annual Limit: The annual aggregate limit is up to AED 1,000,000.
  • Network: Silver classic/silver premium/gold/green/silk road.
  • In-patient benefits: The insured get many in-patient benefits such as ambulance services, hospitalization accommodation, organ transplantation service, intensive care unit & coronary artery disease treatment, repatriation cost, etc.
  • Maternity Related Services: Many of the maternity-related services are offered under this plan.
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