Oriental Health Insurance for Senior Citizens
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Oriental Health Insurance for Senior Citizens
Oriental Health Insurance for senior citizens covers the medical expenses of elderly people aged 60 years and above. The Hope of Privileged Elders (HOPE) plan by the Oriental Insurance Company Limited has been designed exclusively to offer coverage to senior citizens for hospitalization and treatment expenses arising out of specified diseases.
Key Benefits of Oriental Health Insurance for Senior Citizens
Oriental Health Insurance for senior citizens comes with the following key benefits:
- Multiple sum insured options starting from Rs 1 lakh to Rs 5 lakh
- Coverage available on an individual basis
- Up to 50% discount available on opting for voluntary co-payment
- 5% No Claim Bonus offered for every claim-free year up to 20%
- Free health check-up facility after every four claim-free years
- Tax saving benefits on premium available under Sec 80D of the Income Tax Act
Oriental Health Insurance Plans for Senior Citizens
The following table represents the Oriental Health Insurance plan for senior citizens:
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Plan Name |
Sum Insured (Rs) |
Co-Payment |
|
|
Oriental Hope of Privileged Elders Plan |
1 lakh to 5 lakh |
20% |
View Plan |
Eligibility Criteria for Oriental Health Insurance for Senior Citizens
Check out the eligibility criteria to buy an Oriental Health Insurance plan for senior citizens:
|
Categories |
Eligibility Criteria |
|
Minimum Entry Age |
60 years |
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Maximum Entry Age |
No age limit |
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Renewability |
Lifetime |
Choose Health Insurance Company for Senior Citizens
Inclusions of Oriental Health Insurance for Senior Citizens
The inclusions of Oriental Health Insurance for senior citizens are as follows:
- Hospitalization Expenses
- Domiciliary Hospitalization Expenses
- Ambulance Services Charges
- Day Care Procedures
- Pre-hospitalization Expenses
- Post-hospitalization Expenses
- AYUSH Treatment
Exclusions of Oriental Health Insurance for Senior Citizens
Oriental Health Insurance for senior citizens come with the following exclusions:
- Correction of eyesight
- Organ donor expenses
- Convalescence
- Intentional self-injury
- HIV AIDS
- Abuse of drugs or alcohol
- Cosmetic or plastic surgery
- Treatment taken outside India
FAQs
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Q1. Which waiting periods apply to Oriental Health Insurance for senior citizens?
Ans: The Oriental Health of Privileged Elders plan comes with the following waiting periods:
- Pre-existing Diseases Waiting Period – 2 years
- Initial Waiting Period – 30 days
- Listed Ailments Waiting Period – 2 years
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Q2. Do I need to undergo a pre-acceptance health check-up before buying Oriental Health Insurance for senior citizens?
Ans: Yes, senior citizens will need to undergo a pre-acceptance health check-up to buy the Oriental Health of Privileged Elders plan.
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Q3. How can I check the premium chart of Oriental Health Insurance for senior citizens?
Ans: You can check the premium chart of the Oriental Health of Privileged Elders plan by visiting the official website of the insurance company. Alternatively, you can also check the premium for your HOPE policy on Policybazaar.com with the help of a health insurance premium calculator.
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