Oriental Insurance Personal Accident

Oriental Insurance Personal Accident Overview

The Oriental Insurance company limited is one of the leading insurance providers through its copious plans to cover every walk of life for an individual and his family. Oriental Insurance offers an array of Personal accident cover plans to cater the protection needs of various segment of customers.

The various kinds of personal accident plans offered by Oriental Insurance Company are

1. Gramin Accident Insurance Plan
2. Janata Personal Accident Plan
3. Nagrik Suraksha Plan
4. Personal Accident – Group Plan
5. Personal Accident – Individual Plan

1. Gramin Accident Insurance Plan

Plan Features

• A tailored accident protection plan for the rural customers
• Available at an affordable premium and also cast the importance of protection covers for each and every one in the society.
• The policy covers Personal Accident cover Death/Permanent Total Disablement, Loss of Limb(s) & Permanent Partial Disablement occurred in the event of accident.
• Also covers the reimbursement of Hospitalization / Domiciliary Hospitalization expenses for illness / diseases or injury sustained.
• Affordable premium
• Valid on yearly basis and can be renewed periodically.
• Free look period for 15 days allowed reviewing the terms and conditions of the policy and returning the same, if not acceptable.

Exclusions from the plan

• Any Bodily injury as a consequence directly or indirectly of war, invasion, act of foreign enemy, hostilities (Whether war be declared or riot) civil war, rebellion, revolution, insurrection, military or usurped power, confiscations nationalization, civil commotion or loot or pillage in connection herewith.
• Any bodily injury to the Insured person due to confiscation, requisition or destruction by order of any government, public or local authority
• Any bodily injury to the Insured person, consequential loss, legal liability , directly or indirectly caused by or contributed to by or arising from Ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the Combustion of nuclear fuel.
• Any Claim towards the ailment of any disease or accidental injury suffered during participation in dangerous sports/activities.
• Any dental treatment or surgery which is corrective, cosmetic or of aesthetic procedure, filling of cavity, root canal including wear and tear etc unless arising from disease or injury and which requires hospitalization for treatment.

2. Janata Personal Accident Plan

Plan Features

• A comprehensive accidental protection plan for a wide assortment of customers between the age group of 10 years to 80 years.
• Plan benefits covers compensation towards Death/Permanent Total Disablement, Loss of Limb(s) & Permanent Partial Disablement occurred in the event of accident.
• Sum Insured to the quantum of minimum Rs.25, 000/- per person PA to the maximum amount Rs.5, 00,000/- PA with increase in sum insured in the multiple of Rs. 25,000/-
• For sum insured higher than Rs. 2 lakh, income proof is mandatory requirement.
• Affordable premium rate which is Rs.15/- for a sum insured of Rs.25, 000/-.
• Valid on yearly basis and can be renewed periodically.
• Free look period for 15 days allowed reviewing the terms and conditions of the policy and returning the same, if not acceptable

Plan Benefit

Exclusions from the plan

• Any existing disability.
• Death injury or disablement due to intentional self injuries, suicide or attempted suicide.
• Disablement or death under influence of liquor or drug.
• Death or disablement during racing, shooting, big game hunting, mountaineering, ice hockey, winter sports. 
• Insanity.
• Breach of law with criminal intention.
• War group of perils.
• Nuclear group of perils.

3. Nagrik Suraksha Plan

Plan Features

• A comprehensive accident protection plan covering the events of Death/Permanent Total Disablement, Loss of Limbs & Permanent Partial Disablement.
• The benefit cover in the event of disability is subject to the degree of disability which should be not be less than 40% in aggregate for any claim under Personal Accident Plan.
• The plan is exclusively available only to the citizen of India.
• The Plan offers compensation towards the expenses incurred in the carriage of dead body of the Insured to his place of residence and funeral charges for a maximum extent of 2% of the sum insured or Rs 2500, whichever is less.
• Compensation towards the continuity of education for the dependent children in case of death or permanent total disablement of the Insured due to accident
• The plan compensate amount equal to 10% of original Sum Insured or  Rs.5,000 whichever is higher for single dependent child or Rs. 10,000/- whichever is higher for more than one dependent children as education fund.
• Any loss of employment due to permanent total disablement, the insured shall be remunerated an amount equal to 1% of the original sum insured
• Valid on yearly basis and can be renewed periodically.
• Free look period for 15 days allowed reviewing the terms and conditions of the policy and returning the same, if not acceptable.

Exclusions from the plan

• Any Bodily injury as a consequence directly or indirectly of war, invasion, act of foreign enemy, hostilities (Whether war be declared or riot) civil war, rebellion, revolution, insurrection, military or usurped power, confiscations nationalization, civil commotion or loot or pillage in connection herewith.
• Any bodily injury to the Insured person due to confiscation, requisition or destruction by order of any government, public or local authority
• Any bodily injury to the Insured person, consequential loss, legal liability , directly or indirectly caused by or contributed to by or arising from Ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the Combustion of nuclear fuel.
• Any Claim towards the ailment of any disease or accidental injury suffered during participation in dangerous sports/activities.
• Any dental treatment or surgery which is corrective, cosmetic or of aesthetic procedure, filling of cavity, root canal including wear and tear etc unless arising from disease or injury and which requires hospitalization for treatment.

4. Personal Accident – Group Plan

Plan Features

• All inclusive risk covers against the event of insured sustaining injuries, solely and directly from an accident.
• Plan is offered to groups such as employee- employer / associations / SHG or any other formal group.
• The plan is available as Individual cover or family cover.
• Family shall include spouse and two children aged between 3 months and 79 years.
• Attractive discounts for premium payment in group accident cover plans.

Exclusions from the plan

• Any Bodily injury as a consequence directly or indirectly of war, invasion, act of foreign enemy, hostilities (Whether war be declared or riot) civil war, rebellion, revolution, insurrection, military or usurped power, confiscations nationalization, civil commotion or loot or pillage in connection herewith.
• Any bodily injury to the Insured person due to confiscation, requisition or destruction by order of any government, public or local authority
• Any bodily injury to the Insured person, consequential loss, legal liability , directly or indirectly caused by or contributed to by or arising from Ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the Combustion of nuclear fuel.
• Any Claim towards the ailment of any disease or accidental injury suffered during participation in dangerous sports/activities.

Any dental treatment or surgery which is corrective, cosmetic or of aesthetic procedure, filling of cavity, root canal including wear and tear etc unless arising from disease or injury and which requires hospitalization for treatment.

5. Personal Accident Plan - Individuals

Plan Features

• A simplified accident protection cover plan for individuals offered without any medical checkup.
• Lifelong coverage based on successful renewals.
• Available for adult individuals between the age group 18-75 years and for children between the age group of 6 months-18 yrs for children with lifelong renewal facility.
• Free Look Period of 15 to evaluate the terms and conditions of this Policy and in case of any disagreement, policy holder has the option of cancelling the Policy stating the reasons for cancellation.
• 30 days grace Period is offered for renewing the Plan.
• In the event of death caused due to accident or due to any consequence of injury within 12 Months post occurrence of accident is covered up to the full sum insured amount.
• A proportionate compensation for any Injury occurred within 90 Days from the date of the Accident resulting in one of the losses as per Schedule of Injuries.
• Expenses incurred towards emergency Medical services for the urgent treatment of an Injury.
• For the cases of disablement, any expenses is incurred towards home alteration or vehicle modification, including the use of wheelchair, the plan benefits include the same.
  • The Plan offers compensation towards the expenses incurred in the carriage of dead body of the Insured to his place of residence and funeral charges for a maximum extent of 2% of the sum insured or Rs 2500, whichever is less.
  • Compensation towards the continuity of education for the dependent children in case of death or permanent total disablement of the Insured due to accident
  • The plan compensate amount equal to 10% of original Sum Insured or  Rs.5,000 whichever is higher for single dependent child or Rs. 10,000/- whichever is higher for more than one dependent children as education fund.
  • Any loss of employment due to permanent total disablement, the insured shall be remunerated an amount equal to 1% of the original sum insured.
  • Cumulative bonus as an augment of 5 % towards the accidental death and hospitalization benefit is provided for individual personal accident plan for each claim free year for a maximum quantum of 20% of the sum insured as specified in the schedule of insurance.

Exclusions from the plan

• Any Bodily injury as a consequence directly or indirectly of war, invasion, act of foreign enemy, hostilities (Whether war be declared or riot) civil war, rebellion, revolution, insurrection, military or usurped power, confiscations nationalization, civil commotion or loot or pillage in connection herewith.
• Any bodily injury to the Insured person due to confiscation, requisition or destruction by order of any government, public or local authority
• Any bodily injury to the Insured person, consequential loss, legal liability, directly or indirectly caused by or contributed to by or arising from Ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the Combustion of nuclear fuel.
• Any Claim towards the ailment of any disease or accidental injury suffered during participation in dangerous sports/activities.

Any dental treatment or surgery which is corrective, cosmetic or of aesthetic procedure, filling of cavity, root canal including wear and tear etc unless arising from disease or injury and which requires hospitalization for treatment.

How to enroll into Oriental Insurance Personal Accident Plans?

• Online
  • Customer has to logon to www.orientalinsurance.org.in
  • Select Buy Online from the top tab bar menu
  • Select the sub option as Buy new
  • A New pop up window shall give multiple insurance plans
  • Select Personal accident plan and fill up the requisite  details
  • Request Callback– Click the option – “HAVE US CALL YOU”
    • Fill up the required details and the concerned team shall get in touch
    • Visit nearest Branch

Other Online services

Online Premium Payment- Oriental Insurance offers the option to pay the premium of their Personal Accident  insurance plans premium online in a hassle free way.  For payment of the premium, customers have to register first          

Apart from this, customer may use online platform for other services such as

• Renewal of Plans
• Renewal of non Oriental  insurance plans
• Buy new Plans.
• Online Premium Calculator

 Claim Procedure:

In the event of any Death or injury or disablement to the insured covered under various plans, the nominee or insured should inform Oriental Insurance on urgent basis and further lodge the claim as per plans they have availed. Below mentioned are the guidelines for claim lodgment.

• Immediate notice to be given to the plans issuing office.
• Duly Filled Claim form to be submitted with medical certificate and bills.
• For death claim, nominees should submit:
• Death Certificate
• Original Policy
• Claim Form
• Postmortem Report
• Police Report, if complaint is lodged
• Claims of persons presumed to be dead due to drowning may be settled after two years of the submission of the following documents:
• Police report and final investigation report
• Report of findings by Customs/Port Authorities
• Affidavit duly notarized                                                                   

Oriental Insurance Personal Accident - FAQs

1. How to pay a premium? What are the modes of payment available?

The Oriental Insurance Company offers 2 modes of premium payment namely:

• Cash payment at the branch
• Online Payment

For the online payment mode, the policyholder can pay via;

• Credit Card,
• Debit Card
• Net banking

2. How can I check policy status for Oriental personal accident insurance?

You can go to the website to check your policy details if registered.

3. What is the policy renewal process for Oriental personal accident insurance?

You can go for the online renewal on the website of the company. Login with the policy details, select payment mode and finally print/save receipt.

4. What is the company’s process to settle claim for Oriental personal accident insurance?

To settle the claim you can intimate the company by filling a form online.
For further assistance you can visit your nearest branch

5. What is the policy cancellation process for Oriental personal accident insurance?

You can submit the policy documents in your nearest branch. The refunds will be directly credited in your bank account, after deducting applicable cancellation charges.