Oriental Youth Eco Care Plan

Oriental Youth Eco Care Plan

Oriental Youth Eco Care Plan is specifically designed to fulfil the medical requirements of young adults up to 45 years old. It offers an additional sum insured of up to 10% for the treatment of a listed critical illness once in the policy period. The plan also provides a cumulative bonus, either as an increase in the sum insured or a renewal discount

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This Oriental health insurance policy provides coverage for maternity expenses, assisted reproduction treatments, online consultation charges, and modern treatments. Moreover, it comes with HIV AIDS cover, preventive health check-ups, daily hospital cash and organ donor benefit.

Oriental Youth Eco Care Plan: Key Highlights

Benefits of Oriental Youth Eco Care Plan

Here are some of the key benefits of the Oriental Youth Eco Care plan:

1. Additional Sum Insured for Critical Illness

   The Oriental Insurance Company offers an additional sum insured of up to 10% for the treatment of 11 specific critical illnesses once in the policy period.

2. Cumulative Bonus

   Policyholders can avail a 10% cumulative bonus for up to 100% or a premium discount of 2% for every claim-free year with this mediclaim policy.

3. Preventive Health Check-Ups

   This Oriental health insurance plan offers reimbursement for the cost of preventive health check-ups availed once in every three claim-free years.

4. Tax Benefits

   The Oriental Youth Eco Care policy premium is eligible for tax benefits under Section 80D, Income Tax Act.

Oriental Youth Eco Care Plan Eligibility Criteria

Check out the eligibility criteria to buy the Oriental Youth Eco Care plan:

Inclusions of Oriental Youth Eco Care Plan

The Oriental Youth Eco Care plan covers the following medical expenses:

• In-patient Hospitalization Expenses: It pays for the healthcare expenses incurred during hospitalization of a minimum of 24 hours, such as room rent, surgeon fees, ICU charges, etc.
• AYUSH Treatment: It covers the cost of availing in-patient AYUSH treatment through Ayurveda, Yoga, Naturopathy, Unani, Siddha and Homeopathy systems of medicines.
• Pre and Post-Hospitalization Expenses: It pays for the medical expenses incurred by the insured for up to 45 days before hospitalization and up to 90 days from the date of discharge.
• HIV/AIDS Cover:It covers the in-patient and day care medical expenses incurred on the treatment of HIV and AIDS.
• Organ Donor Expenses: It pays for the hospitalization charges of the donor incurred while donating the organ for the insured’s organ transplant surgery.
• Organ Donor Benefit: It covers the medical expenses incurred by the insured while donating an organ.
• Mental Illness Cover:It pays for the in-patient and day care charges incurred on treating a mental illness as advised by a mental health professional.
• Road Ambulance Service Charges: It covers the road ambulance charges incurred during a medical emergency.
• Air Ambulance Cover: It pays for the expenses incurred on transporting the insured to a hospital for the emergency treatment of any disease, illness, or injury by an air ambulance.
• Domiciliary Hospitalization: It covers the cost of domiciliary hospitalization for more than 3 days, where the treatment is done at the patient's home in case hospitalization is not possible.
• Telemedicine/Online Consultation: It pays for the teleconsultation or online consultation charges with a registered medical practitioner.
• Modern Treatment: It pays for the cost of modern treatments, such as deep brain stimulation, bronchial thermoplasty, robotic surgeries, immunotherapy, etc.
• Cataract Treatment: It covers in-patient and pre/post-hospitalization expenses incurred on the treatment of Cataract.
• Additional Sum Insured For Critical Illness: It offers an additional sum insured of up to 10% for the treatment of 11 specified critical illnesses, such as cancer, open chest CABG, etc.
• Day Care Treatments: It pays for the cost of day care treatments, which do not require hospitalization for at least 24 hours.
• Daily Hospital Cash Allowance: It provides a hospital cash allowance for a maximum of 7 days if the insured is admitted for at least 3 days.This cover is available under the Premium variant.
• Medical Second Opinion: It covers the doctor's fees for a second medical opinion taken before or during the treatment of a specified critical illness. This cover is available under the Premium variant.
• Maternity Expenses: It covers the hospitalization expenses incurred on normal childbirth, caesarean childbirth, or lawful medical termination of pregnancy. This cover is available under the Premium variant.
• Assisted Reproduction Treatment (ART): It pays for the charges incurred on treating infertility through assisted reproduction treatments and procedures. This cover is available under the Premium variant.

Exclusions of Oriental Youth Eco Care Plan

The following expenses are not covered under the Oriental Youth Eco Care plan:

• Dental treatments
• OPD charges
• Investigation and evaluation expenses
• Obesity and weight control treatments
• Treatments for alcoholism, drug or substance abuse
• Rehabilitation and respite care treatments
• Change of gender treatments
• Cosmetic or plastic surgeries
• Treatments taken outside India
• Dietary supplements and substances
• Injuries due to hazardous/adventurous sports
• Treatments incurred due to a breach of law
• Unproven treatments
• Self-inflicted injuries

Oriental Youth Eco Care Plan Waiting Periods

Check out the waiting periods for the Oriental Youth Eco Care plan:

Oriental Youth Eco Care Plan: FAQs