Oriental Hospital Cash Insurance Policy

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      Oriental Hospital Cash Insurance Policy

      Oriental Hospital Cash policy provides coverage for incidental expenses, such as lodging, conveyance, food, etc. which are generally not covered by a regular health insurance plan. This policy by the Oriental Insurance Company Ltd. can be purchased separately besides your base health insurance  plan.

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      Overview

      The Oriental Happy Cash policy provides a fixed daily hospital cash benefit to the insured for a maximum of 30 or 60 days of hospitalization per illness. It also provides a fixed lump sum amount as a convalescence benefit in case the total days of hospitalization goes beyond the opted number of hospital cash days i.e. 30/60 days.

      Moreover, if the insured is a female, she will get an additional 25% daily cash benefit at no additional costs. For example, if the insured woman has opted for a hospital cash amount of Rs 1000 per day, she will get 25% extra daily cash benefit i.e.Rs 1250 per day.

      The Oriental Hospital Cash policy offers a hospital cash amount of Rs 500/1000/2000/3000 per day as chosen by the policyholder. It also comes with an optional deductible of 1 day and 2 days, which can be chosen by the policyholder. However, opting for a deductible is not mandatory under the policy.

      Oriental Hospital Cash Policy Eligibility Criteria 

      Criteria

      Specifications

      Minimum Entry Age

      18 years

      03 months (children)

      Maximum Entry Age

      65 years (75 years in case of base health policy from Oriental Insurance)

      25 years (children)

      Hospital Cash Amount

      Rs 500/ 1000/2000/3000 per day

      Number of Hospital Cash Days

      30/60 days

      Additional Benefit

      25% additional daily cash benefit for women

      Policy Term

      1 year

      Pre-existing diseases waiting period

      4 years

      Deductible

      1 day/ 2 days (Optional)

      Renewability

      Lifelong

      Discount

      Family discount and loyalty discount

      Key Features of Oriental Hospital Cash Policy

      The Oriental Happy Cash policy from Oriental Health Insurance comes with the following features and benefits:

      • It provides a daily cash benefit for each day of hospitalization.
      • It comes with a convalescence benefit paid in a lump sum.
      • It offers an additional 25% daily cash benefit to females.
      • It comes with deductible options of 1 day and 2 days.
      • It offers savings on premium with the help of loyalty discount and family discount.

      Inclusions of Oriental Hospital Cash Policy

      Take a look at the various coverage offered under the Oriental Hospital Cash policy:

      • Hospitalization benefit- Offers a daily cash benefit for each day of hospitalization up to a maximum of 30/60 days
      • Convalescence benefit- Offers a lump sum benefit in case the total hospitalization days goes beyond a maximum of 30/60 days
      • Increased daily cash benefit for females- Offers additional 25% hospital cash benefit per day to females

      Exclusions of Oriental Hospital Cash Policy

      The following medical expenses are not covered by Oriental Happy Cash policy:

      • Injuries resulting from war or war-like operations
      • Treatment taken outside India
      • Cosmetic surgery or plastic surgery
      • Pregnancy and related expenses
      • Claims arising due to substance abuse
      • Stem cell therapy
      • Self-inflicted injuries
      • Cosmetic dental surgeries
      • Sex change surgery

      The above list of exclusions is not complete. Refer to the Oriental Hospital Cash policy brochure for the detailed list.

      FAQs

      Policybazaar exclusive benefits
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      • 24*7 claims assistance In 30 mins. guaranteed*
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      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

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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. As per the Insurance guidelines, you are allowed to cancel the policy with-in 15 days from the date of Issuance of policy. For more details, please read the Plan Brochure carefully or talk to our advisor at the time of purchase.

      *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.

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      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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