OBC Oriental Royal Mediclaim Policy

OBC-Oriental Mediclaim Policy-2017 is a health insurance policy for both individuals and family members. 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.

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OBC Oriental Royal Mediclaim 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

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    OBC-Oriental Mediclaim Policy- 2017: Key Highlights

    Policy Variants

    3

    Sum Insured

    Rs 1 lakh-10 lakh

    Day Care Treatment

    116

    Policy Tenure

    1 year

    Renewability

    Lifelong

    Coverage Offered

    OBC-Oriental Mediclaim Policy-2017 offers coverage for the following:

    • In-patient Treatment Cover: Oriental OBC 2017 Insurance Policy covers in-patient treatment by offering coverage for medical expenses, equipment expenses, ICU expenses, administrative expenses and others.
    • Pre-hospitalization: The policy covers the medical expenses of insured individuals for 30 days before hospitalization.
    • Post-hospitalization: The insured individuals will be underpolicy cover for 60 days of post-hospitalization from the date of discharge.
    • Organ Donor: Oriental OBC 2017 Insurance Policy covers expenses and offers benefits if the insured individuals are recipients or donors, respectively.
    • Day Care Treatment: It covers expenses related to 116 daycare medical or surgical procedures conducted within 24 hours at the hospital premises.
    • Domiciliary Hospitalization: The policy covers expenses of up to Rs 25,000 during the policy period. It covers hospital and medical expenses along with appliances cost and drugs and diagnostic material costs.
    • Alternative Treatment or AYUSH: Oriental OBC Health Insurance covers medical and hospitalization expenses related to the treatment under Ayurveda, Homeopathy, Yoga, Unani and others.

    Inclusions of the Policy

    OBC-Oriental Medicalim Policy- 2017 Insurance Policy includes the following benefits:

    • Ambulance Charges: The policyholders can get a maximum of Rs 1,000 as an ambulance charge during the policy period.
    • Funeral Benefits: The policy offers coverage up to Rs 1,000 as a lump sum amount if the death of insured individuals is subject to the hospitalization claims as applicable.
    • Cash Allowance: The policyholders can get a cash allowance of Rs 200 per day of hospitalization, up to a maximum cash allowance of Rs 1000

    Exclusions of the OBC-Oriental Medicalim Policy- 2017

    If the policyholders buy Oriental OBC Health Insurance, they must consider that it does not offer coverage for the following:

    • Any pre-existent disease up to 3 years from the date of policy purchase
    • Any injury due to war, adventure sports, nuclear attacks etc.
    • Suicide or any self-injury
    • Obesity treatment, cosmetic surgery etc.
    • Use of un-prescribed drugs, unregulated medical treatment, unguided diagnosis etc.
    • HIV/AIDS
    • Genetic disorder
    • Doctor's visit charges, ambulance charges etc., as levied by the hospital

    Features & Benefits of the OBC-Oriental Medicalim Policy- 2017

    • The policy has three types of plans such as One Account-One Policy, Multiple Accounts-One Policy and One Person One Policy.
    • One Account-One Policy allows issuing only one account for one policy. In the case of a joint account holder, it will enable anyone of the account-holders to be the proposer.
    • Multiple Accounts Policy allows issuing one policy even if the policyholders have multiple bank accounts.
    • One Person One Policy allows only one person to be insured under one Bank-assurance health insurance policy of Oriental.
    • Oriental OBC 2017 Health Insurance has a lifelong renewal opportunity.
    • The premiums paid in the policy are subject to tax exemption as per the Income Tax Act 1961.

    Eligibility Criteria

    The minimum eligibility criteria of the policy are mentioned below:

    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

    Cancellation of the Policy

    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 OBC-Oriental Mediclaim Policy- 2017 at any time and get the premiums refunded, provided all the premiums are paid.

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    OBC Oriental Royal Mediclaim Policy Reviews & Ratings

    0 / 5 (Based on 31 Reviews)
    (Showing Newest 9 reviews)
    Omkar
    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.
    Angoor
    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.
    Kush
    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.
    Ranveer
    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.
    Kushal
    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.
    Jitendra
    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.
    Rajesh
    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.
    Kuvar
    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.
    Abhijeet
    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.
     
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