Oriental Health of Privileged Elders

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      Oriental Health of Privileged Elders Policy: An Overview

      Extra care is required for the elders and senior citizens, who are more vulnerable to specific diseases, as they age or suffer serious injuries even due to small accidents. A health plan to cover the medical needs of senior citizens is a must to provide them with adequate health facilities when the need arises. The Oriental Health of Privileged Elders plan is one such policy that is offered by Oriental Health Insurance and is designed exclusively for the senior citizens. The health plan covers specific diseases and treatments such as knee replacement, cancer, stroke, cardiovascular diseases etc., along with related hospitalization expenses.

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      Oriental Health of Privileged Elders Policy: Key Highlights 

      Sum Insured

      Rs 1,00,000-Rs 5,00,000

      Pre-Policy Health Check-Up

      Required

      Specific Illness

      11 diseases covered

      Tax Benefits

      Available

      Cashless Service

      Available for claims up to Rs 1 lakh

      Co-Payment

      20%

      Coverage Offered

      One can buy Oriental Health of Privileged Elders plan up to the sum insured ranging from Rs 1 lakh to Rs 5 lakhs on an individual basis with an option of voluntary co-payment after the application of compulsory co-payment. 

      The following basic coverage is offered under the Oriental Health of Privileged Elders insurance policy:

      • In-hospitalization- Any medical treatment that requires more than 24 hours of hospitalization is covered. Expenses incurred on room rent will be covered up to 1% of the sum insured and ICU charges up to 2% of the sum insured for specified diseases.
      • Pre-hospitalization- The plan provides coverage formedical expenses incurred before hospitalization of the insured, up to a maximum of 30 days.
      • Post-hospitalization -The plan provides coverage for medical expenses incurred after hospital discharge of the insured, up to a maximum of 60 days
      • Procedures like Haemodialysis, radiotherapy, eye surgery, accidental dental surgery, prostate surgery, coronary angioplasty, etc., which require hospitalization for less than 24 hours, will be covered for hospitalization benefits without the specified time limits.
      • Diseases covered- The following specified diseases are covered under this policy, providing coverage ranging from 10% to 100% of the sum insured, as per the specified limits:
      • Accidental Injury
      • Knee Replacement
      • Cardiovascular Diseases
      • Cancer
      • Hepato-Biliary Disorders
      • Chronic Obstructive Lung Diseases
      • Stroke
      • Benign Prostate
      • Orthopaedic Diseases
      • Ophthalmic Diseases
      • Chronic Renal Failure

      Inclusions of the Plan

      Apart from the basic coverage offered, the following benefits are also included in the Oriental Health of Privileged Elders health insurance plan:

      • Medical Procedures & Expenses covered- The following treatments are covered, if treated as a part of in-patient care, domiciliary hospitalization or as day care treatment in the hospital: Anaesthesia, Oxygen, Blood, OT Charges, X-Ray, Surgical Appliances, Dialysis, Chemotherapy, Medicines & Drugs, Radiotherapy, Artificial Limbs, Prosthetic devices like a pacemaker, and other laboratory or diagnostic tests, etc.
      • Domiciliary Hospitalization- If the patient cannot be transferred to the hospital due to a critical health condition or shortage of beds at the hospital, medical expenses incurred for domiciliary hospitalization are covered. This will not be applicable for gout, arthritis, chronic nephritis, pyrexia, etc., as per specified conditions.
      • Ambulance Cover- Ambulance charges incurred for hospital transfers are covered up to Rs 1000 or actual expenses, whichever is less.

      Exclusions of the Plan 

      The following treatment and diseases are not covered under the Oriental Health of Privileged Elders insurance policy:

      • Diseases other than specified
      • Pre-existing diseases
      • Hospitalization for evaluation or investigation purpose only
      • Sex change, cosmetic surgeries or cosmetic dental surgeries
      • Infertility treatments
      • Obesity-related treatments
      • Gender treatments
      • Refractive error treatment
      • Excluded providers
      • Adventure sports
      • Substance abuse or alcoholism
      • Breach of law
      • Health hydro or nature clinic treatment

      One can find a detailed list of exclusions in the policy document.

      Features and Benefits of the Oriental Health of Privileged Elders Policy 

      The Oriental Health of Privileged Elders health insurance offers the following key benefits and features:

      • Cashless facility covered
      • Compulsory co-payment up to 20%
      • Voluntary co-payment
      • Renewal benefits include health check-up to a maximum of 1 % of the average sum insured after every four claim-free years
      • 30 day waiting period for all illnesses except for accidents
      • Pre-existing diseases are covered after a waiting period of 24 months
      • AYUSH treatment is covered

      Eligibility Criteria

      Type

      Individual

      Minimum Entry Age

      60 years

      Maximum Entry Age

      No Limit

      Number of people covered

      Senior citizens only

      Residential Status

      Indian citizens and permanent residents

      Cancellation of the Oriental Health of Privileged Elders Policy 

      Please refer to the following rules to cancel the Oriental Health of Privileged Elders insurance policy:

      • One may cancel the policy within a free look period of 30 days. The premium amount will be refunded after deducting any claims incurred by the insurer and any stamp duty charges.
      • If the policy is cancelled after 30 days, the premium amount refunded will be on a short-term rates basis. 

      FAQs 

      Policybazaar exclusive benefits
      • 30 minutes claim support*(In 120+ cities)
      • Relationship manager For every customer
      • 24*7 claims assistance In 30 mins. guaranteed*
      • Instant policy issuance No medical tests*
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      *We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30- minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881.

      *Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. Policybazaar does not provide any medical or surgical advice or diagnosis and is not responsible for your interactions / treatment by a medical practitioner/hospital. Please consult a registered medical practitioner for any medical or surgical advice. The Information that you obtain or receive from Policybazaar, and its employees, or otherwise on the Website is for informational purposes only. As per the Insurance guidelines, you are allowed to cancel the policy with-in 30 days from the date of Issuance of policy.This option is available incase of policies with a term of one year or more.

      *All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.

      **All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.

      *₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.

      *₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases

      *₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.

      *₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.

      *No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.

      *The values taken for effective cost calculation are indicative values and may change as per the selected plan.

      *Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.

      *Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.

      *The scope of coverage may vary from plan to plan.

      ~Source: Google Review Rating available on:- http://bit.ly/3J20bXZ

      ##On ground claim assistance is available in 114 cities

      Tax Benefits are subject to changes in tax laws. GST Exemption depends on fulfilment of qualification criteria and submission of relevant documents as required by the insurers. For more details on risk factors, terms and conditions, please read the sales brochure and applicable rules and regulation carefully before concluding a sale.

      STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.

      Policybazaar is a registered Composite Broker |Registration No. 742, Valid till 09/06/2024, License category- Composite Broker| Visitors are hereby informed that their information submitted on the website may be shared with insurers.

      Policybazaar Insurance Brokers Private Limited | CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana - 122001 Contact Us | Legal and Admin Policies

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