Q1. Does an Oriental Critical Illness policy cover hospitalization expenses?

Ans: No. An Oriental Critical Illness policy does not provide coverage for hospitalization expenses.

Q2. Is death benefit available under the Oriental Critical Illness policy?

Ans: No. The Oriental Critical Illness policy does not provide any death benefit.

Q3. Are cashless claims available under the Oriental Critical Illness policy?

Ans: No cashless claims are available under the Oriental Critical Illness policy because it provides a lump sum amount on the diagnosis of a critical illness. You can use this lump sum amount to pay for hospitalization, OPD, day care treatment as well as other medical expenses.

Q4. Can I change my Oriental Critical Illness plan type after buying?

Ans: Yes. You can change from Plan A to Plan B under your Oriental Critical Illness policy after four consecutive claim-free policy renewals.

Q5. Can I add my wife to my Oriental Critical Illness policy before renewals?

Ans: Yes. You can add your legally wedded spouse to your Oriental Critical Illness policy in the middle of the policy term. However, this will increase your premium on a pro-rata basis.

Oriental Critical Illness Policy Online in India

Oriental Critical Illness Policy

The Oriental Critical Illness policy is designed to provide coverage for 22 critical illnesses. It pays a lump sum benefit to the policyholder if he/she is diagnosed with these ailments. The policy is available in two types where Plan A covers 11 critical illnesses and Plan B provides coverage for 22 critical diseases.

Categories	Specifications
Sum Insured	Rs 2 lakh to Rs 50 lakh
No. of Critical Illness Covered	22
Policy Tenure	1 year, 3 years
Incurred Claim Ratio (2020-21)	112.51%
Pre-policy Medical Check-up	Not required for up to 45 years
Pre-existing Diseases Waiting Period	4 years
Initial Waiting Period	90 days
Survival Period	30 days
Discount	10% family discount, 10% online digital payment discount

Benefits of Oriental Critical Illness Policy

Take a look at the key benefits of buying an Oriental Critical Illness policy:

Coverage for 22 Critical Illnesses

This policy makes a lump sum payment to the insured in case of the diagnosis of 22 critical illnesses, including cancer, heart attack, coma, stroke, third-degree burns, benign brain tumour, kidney failure, etc.

Sum Insured Enhancement

In case no claims have been raised in the last two years, the policyholder can enhance the policy sum insured to the next eligible slab at the time of renewals.

Tax Benefits

The premium paid to buy or renew an Oriental Critical Illness policy can be claimed for tax deductions under Section 80D of the IT Act.

What is Covered by Oriental Critical Illness Policy?

An Oriental Critical Illness Insurance policy covers the following expenses:

Critical Illness Benefit – It pays a lump sum amount equal to the sum insured of the policy on the diagnosis of one of the 22 listed critical illnesses depending on the plan type.

Optional Cover:

Medical Second Opinion Benefit – It covers the cost of obtaining a second medical opinion on the diagnosed critical illness for up to 1% of the sum insured to a maximum of Rs 10,000 for up to Rs 20 lakh sum insured and Rs 20,000 for a sum insured of above Rs 20 lakh.

What is Not Covered by Oriental Critical Illness Policy?

The following medical expenses are not covered by the Oriental Critical Illness policy:

Genetic disorders
Cosmetic treatment or plastic surgery
Infertility and sterility
HIV AIDS
Pregnancy
Self-inflicted injury and suicide
Treatment for drug abuse and alcohol addiction
Cosmetic dental surgeries
Treatment taken outside India

Eligibility Criteria of Oriental Critical Illness Policy

Check out the eligibility criteria to buy an Oriental Critical Illness policy in the table below:

Parameters	Eligibility Criteria
Minimum Entry Age	18 years
Maximum Entry Age	65 years
Coverage Type	Individual and family
Relationships Covered	Self, spouse, dependent children, parents, parents-in-law, unmarried siblings
Renewability	Lifelong

FAQs

Q1. Does an Oriental Critical Illness policy cover hospitalization expenses?

Ans: No. An Oriental Critical Illness policy does not provide coverage for hospitalization expenses.
Q2. Is death benefit available under the Oriental Critical Illness policy?

Ans: No. The Oriental Critical Illness policy does not provide any death benefit.
Q3. Are cashless claims available under the Oriental Critical Illness policy?

Ans: No cashless claims are available under the Oriental Critical Illness policy because it provides a lump sum amount on the diagnosis of a critical illness. You can use this lump sum amount to pay for hospitalization, OPD, day care treatment as well as other medical expenses.
Q4. Can I change my Oriental Critical Illness plan type after buying?

Ans: Yes. You can change from Plan A to Plan B under your Oriental Critical Illness policy after four consecutive claim-free policy renewals.
Q5. Can I add my wife to my Oriental Critical Illness policy before renewals?

Ans: Yes. You can add your legally wedded spouse to your Oriental Critical Illness policy in the middle of the policy term. However, this will increase your premium on a pro-rata basis.

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Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in

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