Oriental PBBY Policy

A comprehensive health insurance policy is always required to fulfill the medical requirements outside India. Oriental PBBY 2017, also known as the Pravasi Bharatiya Bima Yojana is one such policy that covers hospitalization expenses arising from accidental deaths. The policy also compensates for disability, and maternity healthcare. The insurance plan aims to protect Indian emigration workers' interests, who require efficient financial coverage for their health care needs.

Read More

Get insured from the comfort of your home No medicals required

Tell us about you

Oriental PBBY 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
I am a

My name is

My number is

By clicking on 'View Plans' you, agreed to our Privacy Policy and Terms of use
Close
Back
I am a

My name is

My number is

Select Age

City Living in

    Popular Cities

    Do you have an existing illness or medical history?

    This helps us find plans that cover your condition and avoid claim rejection

    Get updates on WhatsApp

    What is your existing illness?

    Select all that apply

    When did you recover from Covid-19?

    Some plans are available only after a certain time

    Eligibility Criteria

    To avail this policy, one must consider the following eligibility conditions first:

    Type

    Individual or Family Floater

    Minimum Entry Age

    18 years

    Maximum Entry Age

    Subject to emigration clearance

    Number of people covered

    Individual, spouse, and dependent children less than 21 years of age

    Residential Status

    Citizens of India migrating overseas (cleared emigration)

    Coverage Offered

    As a mandatory health insurance is required upon emigration clearance, ifone buy Oriental PBBY 2017, he/she can avail the policy as individual and family floater basis with sum insured options depending on the coverage, ranging from Rs 35,000 to Rs 10 lakh.

    The basic coverage is as follows:

    • Accidental Death or Disability Cover-In the event of the insured's death or disability, a sum insured of Rs 10 lakh is offered irrespective of employer or location.
    • Family Floater Hospitalization Cover- The insured's family is entitled to hospitalization cover of Rs 50,000 per annum (maximum of Rs 1 lakh). This includes daycare treatment, room accommodation and ICU charges, expenses for the surgeon, medical practitioner and anesthetist, charges for blood transfusion, oxygen, X-ray, dialysis, chemotherapy, pacemaker, artificial limbs, etc.
    • Pre-hospitalization - Till 30 days prior to admission
    • Post-hospitalization – Till 60 days following discharge
    • Maternity Cover- This is offered to female migrants amounting to Rs 35,000 for a normal delivery (or legal abortion) and Rs 50,000 for Caesarean birth. It is valid for up to two children.
    • AYUSH Treatment Cover- Treatment taken under Ayurveda, Homeopathy, Naturopathy, Unani and Siddha is covered, provided the medical institute is duly accredited and allows the insurance provider to access patient records.

    Inclusions of this Plan

    Besides the basic coverage, Oriental PBBY 2017 insurance policy includes the following:

    • Coverage for the Repatriation of the Remains-In the event of death or disability of the employer, the expenses for the transportation of the remains to the residence will be covered.
    • Legal Expenses- In case the insured wishes to take legal recourse against the employer, such expenses will be included up to Rs 45,000.

    Exclusions of the Plan

    The following are excluded from coverage under Oriental PBBY 2017:

    • Injuries due to self-harm or suicide
    • Aviation activity or adventure sports
    • HIV/AIDS and sexually transmitted ailments
    • Damage due to war or violence in the emigrated country
    • Cosmetic surgery and vaccination
    • Alcohol or drug abuse
    • Dental treatment
    • Genetic disorders and stem cell therapy
    • Obesity and weight management
    • De-addiction treatment
    • Deportation of emigrants
    • Congenital disorders

    For a complete list of exclusions, please refer to the policy document.

    Features & Benefits of the Oriental PBBY 2017 Insurance Policy

    Some of the salient features of this policy are:

    • Hospitalization benefit for the family of insured
    • Maternity benefit for natural and Caesarean births
    • Specific sum insured with coverage for each health parameter
    • Repatriation and airfare expenses in the event of death, disability, or termination of employment in the first 12 months due to medical issues
    • One-way airfare coverage for return to India in the event of a change in employment terms or premature termination of services upon overseas travel
    • The validity of insurance during India visit during the policy period
    • Online Oriental PBBY 2017 renewal upon policy expiration
    • Certificate of disability or death provided by Indian High Commissions overseas acceptable as legal documents for claims
    • Upon extension of employee contract, policy renewal provided as required.

    Cancellation Terms of the Policy

    The cancellation of Oriental PBBY, 2017 health insurance occurs due to the following conditions -

    • The duration of the free look period is 15 days. Cancellation in this period is permitted if –
      • Returning the policy documents if terms not acceptable
      • Not making claims for a medical emergency
    • In the case of concealment or misreporting information by the insured that affects policy coverage and terms, the insurer may cancel the policy.
    • Policy termination upon expiry, or the end of employment contract resulting in a return to India

    Policy cancellation in the free look period results in the refund of the premium payment.

    FAQs

    Health insurance articles

    Recent Articles
    Popular Articles
    PMASBY Scheme: All You Need to Know About Pradhan Mantri Atmanirbhar Swasth Bharat Yojana

    25 Oct 2021

    The PMASBY or the Pradhan Mantri Atmanirbhar Swasth Bharat Yojana...
    Is Dermatology Covered by Health Insurance Plans?

    21 Oct 2021

    The prevalence of dermatology has risen significantly in India...
    Does Health Insurance Cover Orthopaedic Surgery?

    09 Oct 2021

    Orthopaedic health conditions have become quite common in India...
    Claim Settlement Ratio Vs Incurred Claim Ratio - Know the Difference

    07 Oct 2021

    Every health insurance plan comes with unique benefits to attract...
    What Is The Right Age To Purchase A Health Insurance Policy?

    30 Sep 2021

    Every person must have a health insurance policy to deal with...
    Best Health Insurance Plans in India 2021
    Finding the best health insurance plan from so many different health insurance companies can get confusing for many...
    Best Maternity Insurance Plans
    Maternity or pregnancy is an important phase of life, and one needs to prepare in advance to embrace parenthood...
    Top Family Health Insurance Policies in India 2021
    From the air we breathe to the food we eat; everything is intentionally or unintentionally subjected to...
    Health Insurance Claims Ratio- Things You Should Look Before Buying Health Insurance
    There has always been a doubt in customers mind about whether the private company will keep its side of the bargain...
    Best Health Insurance Plans for Senior Citizens in 2021
    Considering the increase in medical inflation in India, buying adequate health insurance for your loved ones has...

    Oriental PBBY 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.
     
    Close
    Download the Policybazaar app
    to manage all your insurance needs.
    INSTALL