Orient Health Insurance

An Overview of Orient Health Insurance

Let's take a look at some key details regarding Orient Insurance Dubai and its medical insurance — 

Top Orient Health Insurance Plans

Listed below are the major Orient Health Insurance plans -

• EMed - This health insurance plan covers domestic workers or employees with a gross monthly income of up to AED 4,000. It adheres to the compulsory medical insurance requirements applicable to Dubai Visa holders. 
• DMed - This is an individual health insurance plan that is designed for non-working dependents or ageing parents. 
• IMed - It is an individual health insurance plan designed to offer medical coverage to investors in the UAE.
• NEMed - This individual health insurance plan is a standard package that covers visa holders in the Northern Emirates (including Ajman, Fujairah, Sharjah, Ras Al Khaimah, and Umm al Quwain). It covers employees with a monthly income of AED 15,000, spouses, and children. 
• Family Care Plan - This Orient Health Insurance plan covers more than one family member for a fixed sum insured in lieu of an annual premium. The plan tends to cover two or more family members if they get hospitalised or are diagnosed with a disease. 
• Health Plus - This is a traditional Orient Health Insurance plan that offers global coverage, covers all family members, and offers fixed medical benefit limits in lieu of an annual premium. Administered by Nextcare, this plan can be bought by UAE residents.

Best Orient Health Insurance Plans

Some of the Orient health insurance price list are tabled below along with their features — 

Disclaimer: The Orient medical insurance premiums mentioned above may vary based on individual profiles, including factors such as age, marital status, emirate of residence, and more. The given premiums assume an individual who is single, born in 1994, based in Dubai, with a monthly income between AED 6001-7000, no pre-existing medical conditions, and no existing health insurance in the UAE.

Key Features of Orient Health Insurance

Orient health insurance is a top choice among UAE residents. Here are some of the noteworthy features of these Orient health plans — 

1. Co-Payment Options: Some Orient insurance plans include co-payment options. This means you pay a portion of your medical expenses, which helps in lowering your overall premium costs. 
2. Extensive Network List (TPA): Orient medical insurance utilises the NeXtCARE network, including GN+, GN, RN, RN2, RN3, and PCP. 

NeXtCARE provides a wide network of healthcare providers and you can easily access high-quality medical care. These networks offer a range of facilities from general clinics to specialised hospitals. 

1. Worldwide Coverage: Many Orient health policies offer worldwide coverage. This helps you stay protected globally, whether for emergencies or elective treatments.
2. High Medical Cover Limits: Orient health insurance plans provide high medical cover limits, ranging from AED 150,000 to AED 1,000,000. These high limits ensure you are well protected against significant medical expenses, including surgeries, hospital stays, and other treatments.
3. Maternity Coverage: The plans include comprehensive maternity coverage, which encompasses both inpatient and outpatient maternity services. It includes your prenatal visits, delivery, and postnatal care. 
4. Quick Policy Issuance: Policies for Orient health insurance Dubai can be issued and activated within 3-5 working days after receiving all the required documents. With this quick turnaround time, you can promptly get coverage without unnecessary delays.
5. Types of Coverage: Orient offers three types of coverage: clinic only, clinic with specialist, and clinic plus hospital access. You can choose the level of care you need — from basic consultations to comprehensive medical services. 
6. Cashless and Reimbursement Claim Processes: Orient medical insurance provides both cashless and reimbursement claim processes. 

With cashless claims, you can receive treatment at network hospitals without paying upfront. Reimbursement claims, meanwhile, allow for treatment at any facility, with expenses claimed back later

Why Should You Choose Orient Health Insurance?

With Orient medical insurance, you get numerous benefits tailored to meet your healthcare needs. Listed below are some reasons to choose this insurance —

1. Affordable Starting Premiums: Orient health plans start with premiums of around AED 1,000. Moreover, as per your requirements and the extent of coverage, the premium can vary. This way, you can choose a plan that fits your budget.
2. Comprehensive Inpatient  Cover: Orient health insurance company provides extensive inpatient coverage, including hospital stays, surgeries, and necessary treatments. It makes sure that you receive the best care during hospitalisation .
3. Multiple Health Insurance Products: Orient Insurance Dubai offers a variety of health insurance products to suit different needs and budgets. This includes basic essential plans, comprehensive plans, and specialised plans for investors and senior citizens. 
4. Emergency Medical Treatment Coverage: With Orient’s health insurance, you are covered for emergency medical treatments. You can receive prompt and effective care during medical emergencies, which reduces the financial burden during unexpected situations.
5. Medical Evacuation and Repatriation Cover: Orient plans include coverage for medical evacuation and repatriation. Thus, in case of a serious illness or injury, you can be transported to a suitable medical facility or repatriated to your home country for further treatment.
6. Customised Health Insurance Products: Orient Insurance Dubai offers customised health insurance products tailored to your specific needs. Whether you require individual, family, or senior citizen health insurance, there is a plan designed to meet your unique requirements.
7. Regional and Worldwide Coverage: Depending on the plan you choose, it can offer both regional and worldwide coverage. 
8. Critical Illness Coverage: Some Orient medical insurance policies provide critical illness coverage. This includes financial protection against serious illnesses like cancer, heart disease, and more. 

How to Renew Orient Health Insurance Plan?

Every year, you need to renew your health insurance policy to continue enjoying coverage. For a simple renewal process, you can visit policybazaar.ae and complete the process in a few simple steps. 

If you initially got your Orient health insurance plan through Policybazaar.ae, you can log into the portal and complete the renewal process there. If you are buying or renewing your health insurance policy via Policybazaar.ae for the first time, follow the steps below — 

1. Go to the ‘Get a Quote’ section on top of the page or tap on the ‘Get Quotes’ tab given on this page.
2. Fill out the lead form with your details.
3. While filling out the form, click on ‘Yes’ for the question ‘Do you have any existing health insurance in the UAE?’
4. Choose your previous insurer’s name.
5. Proceed to the health insurance quotes page, where you can review and select a health policy that best suits your needs.
6. Complete the renewal process by following the on-screen instructions. 

Claim Process for Orient Health Insurance Plans

Orient medical insurance plans offer a seamless and efficient claim process. They allow cashless claims at network hospitals and reimbursement claims at non-network hospitals. 

Important: The claim is settled after applying copayments. 

Two Types of Orient Health Insurance Claims 

1. Cashless (Direct Billing at Network Hospitals): With cashless claims, you can receive treatment at network hospitals without paying upfront. The insurance company settles the bill directly with the hospital. 

This way, you can receive timely medical care without the hassle of immediate payments.

1. Reimbursement Claims: For treatments at non-network hospitals, you will need to pay the medical expenses upfront and later apply for claim reimbursement from Orient Insurance Dubai. 

Reimbursements are made based on the plan's terms, either at 80% or 100% of the costs, depending on network availability and the reasonableness of charges.

Key Considerations While Filing an Orient Health Insurance Claim

1. Within the Network: Direct billing is available. Reimbursement can be but it is settled at 80% of the usual and customary rates of the chosen network.
2. Outside the Network in Countries Where NEXtCARE is Not Present: Reimbursement at 100% of actual costs (subject to reasonableness) or 100% of the usual & customary rates of the network, whichever is less.
3. Outside the Network in Countries Where NEXtCARE is Present: Reimbursement at 80% of actual costs (subject to reasonableness) or 80% of the usual & customary rates of the network, whichever is less.

Steps for Claim Registration

1. Visit the claims section on the official Orient Insurance website.
2. Select the UAE section.
3. Click on non-motor claim intimation.
4. Fill out the required details of your policy and claim.
5. Submit the form.

To retrieve your claim status and information, follow the steps above and click on the retrieve option instead of the claim intimation option on the claims page.

Important

If you purchased your policy through Policybazaar.ae, you can also get claim assistance directly from us. Simply get in touch with our support team — we will provide you with claim assistance within 30 minutes. Policybazaar.ae is committed to offering exceptional service and support for a smooth and hassle-free health insurance claim process. 

Looking for Expert Advice on Health Insurance?

With so many health insurance options available, selecting the right policy can be confusing. You might also find it challenging to decode health insurance jargon and determine the extent of coverage you need. To simplify this process, Policybazaar.ae offers outstanding support. 

We help you choose a plan that aligns with your needs and budget. You can reach out to us at 042472904 or communication@policybazaar.ae. 

With 24/7 customer service and consultations with insurance experts, we make the entire buying process simple and easy. Our dedicated team is always ready to assist you, help you make informed decisions, and secure the best possible coverage.

Orient Health Insurance FAQ's

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