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

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
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:


    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.


    Health insurance articles

    Recent Articles
    Popular Articles
    12 Tips to Avoid Common Health Problems During Summers

    12 May 2022

    India experiences a hot and dry summer season that lasts for up to...
    Read more
    Does Medical Insurance Cover Hearing Aids?

    12 May 2022

    The number of people who require hearing aids continues to grow...
    Read more
    Are Accidental Injuries Covered by Health Insurance in India?

    12 May 2022

    Accidents are unpredictable. Getting injured in an accident not...
    Read more
    6 Most Effective Ways to Prevent Viral Fever

    12 May 2022

    A change in weather can bring respite from the scorching summer...
    Read more
    Does Health Insurance Cover Death?

    06 May 2022

    Life is unpredictable and so is death. A lot of people lose their...
    Read more
    PMJAY Scheme: Ayushman Bharat Yojana Eligibility & Registration Online
    Prime Minister Shri Narendra Modi announced the launch of (PMJAY) Ayushman Bharat Yojana in his Independence...
    Read more
    Best Health Insurance Plans in India 2022
    Finding the best health insurance plan from so many different health insurance companies can get confusing for many...
    Read more
    Best Maternity Insurance Plans
    Maternity insurance offers comprehensive coverage for medical expenses incurred during pregnancy, including the cost...
    Read more
    Best Health Insurance Plans for Senior Citizens in 2022
    Considering the increase in medical inflation in India, buying adequate health insurance for your loved ones has...
    Read more
    10 Major Benefits of Ayushman Bharat Yojana
    Pradhan Mantri Jan Arogya Yojana (PM-JAY) is the second component under Ayushman Bharat Scheme. PM Narendra Modi...
    Read more
    Download the Policybazaar app
    to manage all your insurance needs.