NEVER NEVER NEVER choose Oriental Insurance Company, they are the most unethical people and will loot you in every possible way and never approve a claim..There is simply no point in buying insurance from this company.
They do not disclose insurance policy terms during the purchase and will try to find loop holes when it comes to approving a claim.
This is by far the worst insurance company I have ever known for medical insurance.
There is no negative rating otherwise I would choose that.