Oriental Pravasi Bharatiya Bima Yojana-2017

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      Oriental Pravasi Bharatiya Bima Yojana - 2017

      The Pravasi Bharatiya Bima Yojana 2017 Policy can be availed by all Indian citizens who apply for and obtain emigration clearance and emigrants going abroad for employment purposes. The Pravasi Bharatiya Bima Yojana 2017 Insurance Policy, a product of Oriental Insurance*, offers death and medical coverage for the insured with varying sum assured amounts for different conditions. The policy can be taken for a minimum period of 2 and a maximum of 3 years. After that, the policy can be renewed during the period of the employment contract.

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      Eligibility Criteria



      Minimum Entry Age

      Adult: 18 years

      Children: 21 years

      Maximum Entry Age

      60 years

      Number of people covered

      Individual, spouse and 2 dependent children.

      Residential Status

      Indian citizens and emigrants going overseas for employment have immigration clearance as per the Emigrants Act.

      Coverage Offered

      The Oriental Pravasi Bharatiya Bima Yojana 2017 Policy offers coverage for expenses incurred for the following:

      • Death or Permanent Disability
      • Hospital admission for a minimum of 24 hours
      • Pre-hospitalization for up to 30 days before hospitalization
      • Post-hospitalization expenses for up to 60 days in case of insured emigrant
      • Daycare treatment for listed procedures
      • Maternity cover to women emigrants
      • Telemedicine expenses
      • Advanced Surgeries and Modern Treatments
      • AYUSH treatments are covered without any sub-limit.
      • Cost of transporting mortal remains in case of death of the insured emigrant.
      • Repatriation expenses of insured emigrant
      • Legal expenses relating to the employment of insured emigrants

      Inclusions of the plan

      Given below are the other inclusions of the policy apart from the basic coverage.

      The below procedures will be covered in the Oriental Pravasi Bharatiya Bima Yojana 2017 policyif treated as in-patient care or daycare procedure: 

      • Uterine artery Embolization and HIFU
      • Balloon Sinuplasty
      • Deep Brain Stimulation
      • Immunotherapy
      • Oral Chemotherapy
      • IV Injections
      • Robotic Surgeries
      • Stereotactic Surgeries
      • Bronchial Thermoplasty
      • Vaporization of prostate
      • Stem Cell therapy

      Expenses for Medical Advice from a medical practitioner, including the issue of prescription and follow-up prescription, are included.

      Medical expenses incurred by the insured person for medical treatment due to an illness on a medical practitioner's advice. 

      Exclusions of the plan

      The significant exclusions under the Oriental Pravasi Bharatiya Bima Yojana 2017 Policy are:

      • Treatment of pre-existing diseases
      • Investigation and diagnostic expenses
      • Cosmetic, plastic and similar surgeries
      • Infertility treatments
      • Obesity and weight loss treatments
      • Change of gender procedures
      • Excluded providers
      • Harm or injury caused due to hazardous or adventure sports
      • Cosmetic dental surgeries
      • Injury caused to breach of law or criminal activity.

      Refer to the Policy document for a detailed exclusion list. 

      Features & Benefits

      Given below are the significant features and benefits of the Oriental Pravasi Bharatiya Bima Yojana 2017 plan:

      • The Oriental Pravasi Bharatiya Bima Yojana 2017 Insurance policyis designed to aid emigrants by offering them appropriate health insurance cover while abroad for employment after obtaining emigration clearance.
      • An insurance cover of a minimum of Rs. 10 lakhs is payable to the nominee in case of death or permanent disability of the Indian emigrant.
      • The insurance policy is valid for a minimum period of 2 years or the actual employment period, whichever is longer.
      • The waiting period for pre-existing diseases is 48 months.
      • Cashless reimbursement benefit is offered in Network Hospitals if the treatment is taken in India.
      • The premium paid and the benefits received under this policy are eligible for tax deduction under section 80D of the Income Tax Act 1961*

      *Tax benefit is subject to changes in tax laws 

      Cancellation of Policy

      The company will allow cancellation of the policy if:

      • If a Pravasi Bharatiya Bima Yojana policyis in place with respect to the emigrant insured from another insurer or,
      • When the overseas journey is not undertaken subject to original passport production as proof, the insurance company will retain Rs.101 as cancellation charges.

      Companies can also cancel the policy on the grounds of misrepresentation, non-disclosure of essential information or non-cooperation of the insured person. In this case, no premium will be refunded.


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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. As per the Insurance guidelines, you are allowed to cancel the policy with-in 15 days from the date of Issuance of policy. For more details, please read the Plan Brochure carefully or talk to our advisor at the time of purchase.

      *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.

      ~Source: Google Review Rating available on:- http://bit.ly/3J20bXZ

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      Tax Benefits are subject to changes in tax laws. GST Exemption depends on fulfilment of qualification criteria and submission of relevant documents as required by the insurers. For more details on risk factors, terms and conditions, please read the sales brochure and applicable rules and regulation carefully before concluding a sale.

      STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.

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