Oriental Jan Arogya Bima Policy: Benefits, Premium, Renewal

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.

Eligibility Criteria

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

Type	Individual
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.

FAQs

Q. How is the payment of claims made?

Ans: All the claims are done for medical treatments happening in India and are paid only in Indian currency.
Q. How is the final claim made?

Ans: The final claim is made along with the hospital bills or cash memos' receipts within 30 days of discharge.
Q. What is considered as one illness?

Ans: Any illness that relapses within 45 days of consultation or within 105 days of discharge will be considered as one illness under the Policy.
Q. What is the free look period in the Policy?

Ans: This is applicable only for new policies. A period of 30 days, starting from the receipt of the Policy to review all the terms and conditions, is given.
Q. Is psychosomatic illness included?

Ans: All psychiatric or psychosomatic disorders are excluded from the scope of the Policy.

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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Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in

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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.

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##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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Oriental Jan Arogya Bima Policy