PNB- Oriental Royal Mediclaim Policy

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      PNB- Oriental Royal Mediclaim Policy

      Oriental PNB Royal Mediclaim-2017 offers comprehensive coverage, which can be bought by the account holders of Punjab National Bank and its associated banks. Based on the beneficiary and registered account holders, the policy offers three plan variants such as One Account-One Policy, Multiple Account-One Policy and One Person One Policy. The policyholders can cover their medical expenses for a prolonged period since the policy has a lifelong renewal facility.

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      PNB- Oriental Royal Mediclaim- 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

      Those who want to buy Oriental PNB 2017 must consider the following policy coverage for better policy experience:

      • In-patient Treatment: Oriental PNB 2017Insurance Policy covers medical expenses including nursing cost, equipment cost, surgeon’s cost, ICU operations cost, convenience cost and others.
      • Pre-Hospitalization Cover: The policyholders will get coverage for the medical cost for 30 days pre-hospitalization period if the insured individuals are hospitalized for a certain period.
      • Post-hospitalization Cover: The insured will get coverage for medical expenses for 60 days post-hospitalization period as applicable.
      • Organ Donor: The policy will cover expenses and benefits in organ donation when the insured individuals are recipients.
      • Daycare Treatment: Oriental PNB 2017Insurance Policy includes coverage for daycare treatment up to 116 different procedures.
      • AYUSH Treatment: The policyholders will get medical coverage for alternative treatments such as Ayurveda, Unani, Yoga, Siddha, Homeopathy and others.
      • Domiciliary Hospitalization: The policy will offer a maximum of Rs 25,000 during a policy period as medical expense cover for domiciliary treatment.

      Inclusions of the Policy

      The policy also covers the following expenses:

      • Ambulance Charges: Oriental PNB 2017Insurance Policy offers ambulance coverage up to Rs 1000 in a policy period.
      • Cash Allowance: The policyholders can get a daily cash allowance of up to Rs 200 per day. They can get a maximum cash allowance of Rs 1000 during a policy period.
      • Funeral Benefits: In case of death of insured individuals, the insurer would offer a lump-sum of Rs 1000 per insured person as applicable as per company’s discretion.
      • Medical Test Expenses: If the policyholders have an adverse medical history, they would require a pre-acceptance medical test. The policy will cover 50% cost of those medical tests as per company discretions.

      Exclusions of the Policy

      The policy doesn’t cover the following expenses:

      • Any pre-existent diseases until the first three policy years are not covered.
      • Oriental PNB 2017Health Insurance will not cover any injuries made due to war, nuclear weapons, adventure sports etc.
      • Any treatment due to self-injuries or suicide attempts is not covered.
      • Genetic disorders, ENT disorder, diabetes, hypertension and other listed ailments are excluded.
      • Any treatment for obesity, cosmetic surgery, AIDS/HIV, pregnancy, drug addiction, vaccination etc.
      • Oriental PNB 2017Health Insurance will exclude coverage for treatments followed based on un-prescribed medicines, un-recognized medical procedures etc.
      • Expenses related to investigative diagnosis, personal comfort, service charges, doctor's visit charges etc.

      Features & Benefits of the PNB- Oriental Royal Mediclaim-2017

      The policy comes with the following features and benefits:

      • The policy applies to only account holders of Punjab National Bank account holders or any of its associated regional banks.
      • It has three types of plans such as One Account-One Policy, Multiple Account-One Policy and One Person One Policy.
      • The One Account-One Policy plan is issued to the account holders of only one account. In the case of joint account holders, the policy applies to the proposer.
      • Multiple Account-One Policy plan applies to individuals who have more than one bank account.
      • One Person, One Policy plan is applicable under one Bank Assurance Health Insurance Policy of Oriental covering only one person.
      • Oriental PNB 2017Health Insurance has a one-year policy term.
      • It offers tax benefits as per the Income Tax Act 1961.

      Eligibility Criteria

      The minimum eligibility criteria to buy this plan are:

      Type

      Individual or Family Floater

      Minimum Entry Age

      18 years (91 days for dependent children)

      Maximum Entry Age

      79 years

      Number of people covered

       Individual or up to five family members, including the self.

       Up to three dependent children

      Residential Status

      Indian Citizens and Permanent Residents only.

      Information on Cancellation of the Policy

      The policyholders can cancel the policy at any time during the policy period, provided they did not make any claim during that period and cleared all the due premiums.

      In case the new policy is purchased, the policyholders can cancel it within the 30-days free look period by paying charges as applicable.

      The company can cancel the policy at any time by giving 30 days' notice and offer refunds as applicable. However, in the case of fraud, the company will not pay any refund.

      FAQs

      • Q. How to buy the online Oriental PNB Royal Mediclaim policy?

        Ans: The interested individuals must visit the company’s website and register themselves by providing the necessary details. They will get the policy quote. Once they submit the filled-up application form and make the payment, they will buy Oriental PNB Health Insurance. Alternatively, one can also visit the website of policybazaar.com and buy the policy accordingly.

      • Q. How can policyholders port to other insurer's policies?

        Ans: The policyholders are required to buy a retail health policy of the company and continue it for at least one year if they want to port to other insurers' policy.

      • Q. How does the premium rate of the policy vary?

        Ans: The premium rates of Oriental PNB- Oriental Royal Mediclaim-2017 health insurance are fixed for one policy year. The company changes the rates based on company discretions and IRDAI norms. The policyholders will get a notification for any such changes at least three months in advance.

      • Q. When the policy cannot be renewed?

        Ans: The company will not renew the policy in case of fraud, misrepresentation, non-cooperation, or moral hazard practiced by the insured individuals.

      • Q. Is a mid-term inclusion of a family member permitted under this Policy?

        Ans: It is only permitted only in case of a newly married spouse (within 90 days of marriage) or a newborn child (after 90 days of birth) by sending a written notice to the Insurer.

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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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