Oriental OBC 2017 offers comprehensive insurance coverage for both individuals and families. The policy has three variants, namely One Account-One Policy, Multiple Accounts-One Policy and One Person One Policy. However, they differ in terms of overall account and policy management. It benefits the policyholders to increase the assured sum by including more members limiting five members under its coverage. The individual policyholders can achieve optimum benefits by paying premiums at due time and following the policy norms effectively.
Sum Insured |
Rs 1 lakh-10 lakh |
Pre-policy Test |
Not Required |
Renewability |
Lifelong |
Tenure |
1 year |
Pre-existing Illness Cover |
After 3 years |
Oriental OBC Health Insurance offers medical coverage for individuals and family members. It has three types of plans such as One Account-One Policy, Multiple Accounts-One Policy and One Person One Policy. All these plans offer policy coverage, as mentioned below.
Oriental OBC 2017 Insurance Policy includes the following benefits:
If the policyholders buy Oriental OBC Health Insurance, they must consider that it does not offer coverage in the following cases.
Some of the features and benefits of the plan are:
The minimum eligibility criteria to buy this policy are:
Type |
Individual or Family Floater |
Minimum Entry Age |
18 years (91 days for children) |
Maximum Entry Age |
79 years |
Number of people covered |
Individual policyholders or, Family members (maximum five members, maximum of three dependent children) |
Residential Status |
Indian citizens & Permanent Residents |
The company can cancel the policy anytime by offering 30 days' notice. It will refund the premiums as applicable if the policy is terminated. However, in case of any fraudulent activity, the company will not refund any money.
Oriental OBC 2017 Health Insurance has a 15 days free look period within which, the policyholders can return the policy if they disagree with terms and conditions. If the policy is canceled within the free look period, the policyholders will be refunded by deducting applicable charges.
The policyholders can cancel online Oriental OBC 2017 at any time and get the premiums refunded, provided all the premiums are paid.
Ans: The premium amount is charged based on the age and sum assured by the policyholders.
Ans: The policyholders must buy a Retail Health policy and continue for one year before porting to other insurers' policies.
Ans: The policyholders will be able to enhance the assured sum to the next higher slab at the renewal time. They can also increase the sum to a maximum of two slabs higher if they include new policy members. In case they did not claim any reimbursement for the last two years, they can enhance the assured sum to the highest slab.
Ans: The policyholders will not be able to enhance the assured sum if the insured person is more than 60 years old, or they made claims immediately after two preceding policy periods.
Ans: If the policyholder has an adverse medical history, they must undergo a pre-acceptance medical test based on company discretion. In such cases, the company would bear 50% of the cost of the medical tests. (*Standard T&C Apply)
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