Oriental Jan Arogya Bima Policy

Oriental Jan Arogya Bima Policy is a comprehensive health insurance policy that covers the insured for emergency hospitalisation expenses. The policy covers its members for a premium of as low as Rs 70 for male and Rs 50 for female. Under this policy a policy coverage of Rs 5000 is offered per annum.

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Oriental Jan Arogya Bima Policy

All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
*Tax benefit is subject to changes in tax laws. Standard T&C Apply

Get insured from the comfort of your home No medicals required
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    Eligibility Criteria

    The minimum eligibility terms under this policy are as mentioned below:



    Minimum Entry Age

    5 years

    3months to 5years (one or both the parents must be covered already)


    Maximum Entry Age

    70 years

    Can continue beyond if they do not break the renewal process


    Members Covered

    4; self, Spouse, children, parents

    Residential Status

    Indian citizens and Residents

    Coverage Offered

    To buy Oriental Jan Arogya Bima Policy, one can quickly look down on the basic requirements and get their hospitalization expenses covered. Some of the basic coverage offered by the Policy are as follows:

    • Inpatient Treatment Cover -Inpatient treatment includes all hospital room boarding, nursing expenses, surgeon, anesthesiologist, medical practitioner, consultants, surgical appliances, blood cover oxygen, Operation Theatre charges, and equipment, including pacemaker and other related expenses.
    • Pre-hospitalization Cover-The Policy covers pre-hospitalization expenses up to 30 days. This will only be provided for the same illness as the insured person was hospitalized for.
    • Post-hospitalization Cover- The post-hospitalization expenses are incurred up to 60 days from the date of discharge. This will only be provided for the same disease the insured person was hospitalized for.
    • Domiciliary Hospitalization- This will be applied when the medical treatment requires more than three days of treatment, which in the ordinary course would require treatment at a hospital or nursing home. This will be in circumstances where the patient is not in a condition to be moved to a hospital, or there are no rooms available.

    Inclusions of the Policy

    Oriental Health Insurance provides diverse coverage for all kinds of medical expenses. Oriental Jan Arogya Bima Policy is also designed on the same grounds. The policy includes the following:

    • Immediate claim is ensured in cases of covered disease/surgery.
    • Anesthesia, Oxygen, Blood, Operation Theatre Charges, Medicines & Drugs, X-Ray, Dialysis, Chemotherapy, Radiotherapy, and similar expenses etc. are covered up to the specified limit.
    • An insured sum of Rs 5,000 is assured for hospitalisation expenses.

    Exclusions of the Policy

    Some conditions and diseases are not covered under Oriental Jan Arogya Bima Policy. These exclusions are as below:

    • Pre-existing diseases or complications arising from such pre-existing diseases
    • Any expenses on the hospitalization in card within 30 days of commencement period of the insurance except in cases of injury
    • During the first quarter of the insurance, treatment of diseases like cataract, or hernia, benign prostatic hypertrophy
    • Cost of spectacles and contact lenses and hearing aids
    • Dental treatment
    • Injury or diseases that are directly or indirectly caused by or are contributed to by nuclear weapons or materials
    • Treatment expenses due to disease caused by human t-cell lymphotropic virus Type -III

    For a detailed exclusion list, please refer to the policy document.

    Features & Benefits of the Oriental Jan Arogya Bima Policy

    The details, features, benefits are available online Oriental Jan Arogya Bima Policy website. Some of the benefits and feature of Oriental Jan Arogya Bima Health Insurance Policy are as follows:

    • Admissible claim related during the period of insurance is Rs 5,000 per person.
    • Treatments like dialysis or chemotherapy or radiotherapy in which the patients can be discharged before 24 hours will also be considered under the hospitalization benefit section.
    • Any expenses, including artificial Limbs or the cost of organs, are covered under the Policy.
    • This premium paid under this Policy is eligible for tax rebate under section 80D of the Income Tax Act 1961.

    Cancellation Clauses of the Policy

    A 30 -days notice will be sent to the insured person's last known address before the cancellation begins by a registered letter. The company shall respond to the insured with a pro-Rata Premium for an unexpired period of insurance. Such cases will only happen when there is misrepresentation or any malicious suppression of facts intended to mislead the company.

    The company shall refund one-fourth of the annual rate up to 1 month, half of the annual rate up to 3 months, and the full annual rate for exceeding six months.


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    Oriental Jan Arogya Bima Policy Reviews & Ratings

    0 / 5 (Based on 31 Reviews)
    (Showing Newest 9 reviews)
    Chennai , October 26, 2021
    Great features
    I have got day care hospitalization feature under the mediclaim policy which i have purchased from the policybazaar. It offered me lifelong renewability Cover. It includes tax exemption benefits, cashless hospitalization and many other facilities. overall i like my plan.
    Kolkata , October 26, 2021
    Trustworthy website
    I rarely trust the online purchasing because of the possibility of fraud but Policybazaar has built my trust up. I went through the online process when I was taking care health insurance from here and i found this website trustworthy.
    Surat, October 26, 2021
    Helpful staff
    I rarely trust the online purchasing because of the possibility of fraud but Policybazaar has built my trust up. I went through the online process when I was taking care health insurance from here and i found this website trustworthy.
    Pune, October 26, 2021
    Low cost plan
    Such a simple and easy process to buy a policy was provided to me by Policybazaar. Someone suggested me to check the health plans on Policybazaar website. i went through a lot of plans and i found the right plan here. i bought star health insurance at low cost.
    Jaipur, October 26, 2021
    Good Coverage
    I have bought Bajaj Allianz Health Insurance for my family and by taking a health plan, I have secured my entire family. I have got coverage against medical expenses and buying my policy online has saved my money as I did not have to pay agent fees.
    Lucknow, October 26, 2021
    Affordable plan
    A friend of mine told me about Policybazaar. He said that he has found an affordable health plan deal in Policybazaar. I went to Policybazaar to buy the same plan. I wanted a family health plan so I took Aditya Birla health insurance and it has covered every member of my family.
    Kanpur, October 26, 2021
    Easy to compare
    Last week i went to Policybazaar for taking health plan for my family. An executive explained the policy very well and showed me various plans out of which i chose digit health insurance and it has covered me and my wife.
    Nagpur, October 26, 2021
    Good plan
    I was able to compare the various plans easily on the website of Policybazaar. At first, i was confused about what i should choose as so many options were given there but then i bought sbi general health insurance for my parents. I got really good senior citizen health plan.
    Allahabad, October 26, 2021
    Hassle free experience
    I had an amazing and hassle free experience with policybazaar. Everything has beem very smooth when i was purchasing health insurance from policybazaar. Their team assisted me in well mannered way.
    Download the Policybazaar app
    to manage all your insurance needs.