Oriental Nishchint Rahein Happy Cash Policy
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Oriental Nishchint Rahein Happy Cash Policy
Your family's future is best protected when they have the guarantee of comprehensive insurance. The Oriental Happy Cash-Nishchint Rahein Health Insurance protects your loved ones from the additional financial burden in case of a hospitalization. The policy offers daily cash benefits with four options to choose from. This benefit can be availed for a period of 30/60 days as per the preference.
Oriental Nishchint Rahein Happy Cash Policy: Key Highlights
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Pre-existing Illness Cover |
48 months |
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Benefit Period |
30/60 days |
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Daily Cash Benefit |
With 4 options · Rs 500 · Rs 1000 · Rs 2000 · Rs 3000 |
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Free-look Period |
15 days |
Scope of Coverage
The Oriental Happy Cash-Nishchint Rahein Insurance Policy offers the insured 4 options of daily cash benefit: Rs 500, Rs 1000, Rs 2000 and Rs 3000. Individuals under this policy can opt for various cash benefits from the above option.
This particular Oriental Insurance health insurance provides the following coverage:
- Hospitalization Benefit: The policy provides a Daily Cash Benefit (mentioned in the policy certificate). This amount is payable for every completed 24 hours during hospitalization, for a maximum duration of 30/60 days per illness.
- Convalescence Benefit: In addition to the Daily Cash Benefit, a fixed lump sum amount is payable to the convalescence if hospital stay exceeds 30/60 days.
- Women received an increased Daily Cash Benefit with no additional premium.
Inclusions of the Plan
The basic coverage under the Oriental Happy Cash-Nishchint Rahein Insurance Policy is supplemented by the following inclusions that are beneficial to the insured and his/her loved ones:
- The policy gives the insured three options for deductible: no deductible, 1 day and 2 days. The deductible is valid per event.
- The plan provides a higher Daily Cash Benefit for women at no extra premium.
- The insured has the scope to make considerable savings; 5% if on premium if 2 members are covered and 7.5% if more than two members are covered.
- A savings of 10% is guaranteed if the insured member holds any of the Oriental Health Insurance.
- Members of the staff of Oriental Insurance Company can make savings of 33% on the premium.
Exclusions of the Plan
Oriental Happy Cash-Nishchint Rahein Health Insurance does not cover the following medical expenses:
- Pre-existing medical conditions for the first 4 continuous periods
- Any illness within the first 30 days from the new policy's start date, except accidental injuries
- Circumcisions, sex alteration surgery, cosmetic surgery and plastic surgery
- Injury or illness arising from war or war-like operations
- Substance abuse, self-inflicted injuries, sexually transmitted diseases and HIV/AIDS
- Hospitalization for diagnostic or investigative reasons
- Pregnancy, infertility, congenital and genetic issues
- Stem cell treatment
- Correction of eyesight
- Cosmetic or dental surgeries
- Treatment pursued outside the geographical boundaries of India.
Note: For the entire list of exclusions, please refer to the official policy document.
Features and Benefits of the Oriental Happy Cash-Nishchint Rahein Policy
Oriental Happy Cash-Nishchint Rahein provides the insured with the following user benefits that make hospitalization less of a financial strain on the family:
- The policy will pay for any number of hospitalizations during a policy period, subject to any single stay not exceeding the Daily Cash Benefit chosen by the Insured.
- The policy applies for Ayurvedic, Homeopathic and Unani treatment but only in government-approved hospitals or hospitals associated with a medical college.
- The policy comes with a 30-day Free Look Period starting from the policy receipt date to review the policy.
Eligibility Criteria
The policy comes with the following eligibility conditions:
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Type |
Indian & Family Floater |
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Minimum Entry Age |
Child: 3 months Adult: 18 years |
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Maximum Entry Age |
65 years; 75 years for a Retail Policyholder |
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Number of people covered |
Proposer, Legally-wedded spouse, dependent children and parents/parents-in-law (either of them) |
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Residential Status |
Indian Citizens and Permanent Residents |
Cancellation Terms of the Policy
The insured can request a cancellation of the Oriental Happy Cash-Nishchint Rahein after giving the company a notice for 30 days. In this case, Oriental Insurance will allow a premium refund at the organization's short period rate (clearly elaborated in the official policy document). The insurance has made no claim up to the date of the cancellation.
The premium reimbursement rates based on the period of risk covered are as follows:
- Up to 1 month- 1/4thof the annual rate
- Up to 3 months- ½ of the annual rate
- Up to 6 months - 3/4thof the annual rate
- Exceeding 6 months -Full annual rate
FAQs
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Q. Where can I find the complete details if I want to buy Oriental Happy Cash-Nishchint Rahein?
Ans: One can visit the official Oriental Insurance Company website to find the complete details for all products, including sales literature and policy documents.
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Q. What are the components of Benefits in the given policy?
Ans: The term benefits refer to Daily Cash Benefits, Daily Cash Benefit Period and Deductible.
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Q. What are the options for the Daily Cash Benefit Period?
Ans: The insured can select between 30 days or 60 days.
Q. Can I opt for an online Oriental Happy Cash-Nishchint Rahein?
Ans: Yes, the policy can be purchased online. Fill in personal details, calculate your premium and make the payments.
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Q. Are experimental treatments covered in this policy?
Ans: No, any unproven treatment or procedure is not covered by the insurance.
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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. Policybazaar does not provide any medical or surgical advice or diagnosis and is not responsible for your interactions / treatment by a medical practitioner/hospital. Please consult a registered medical practitioner for any medical or surgical advice. The Information that you obtain or receive from Policybazaar, and its employees, or otherwise on the Website is for informational purposes only. As per the Insurance guidelines, you are allowed to cancel the policy with-in 30 days from the date of Issuance of policy.This option is available incase of policies with a term of one year or more.
*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
##On ground claim assistance is available in 114 cities
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.
Policybazaar is a registered Composite Broker |Registration No. 742, Valid till 09/06/2024, License category- Composite Broker| Visitors are hereby informed that their information submitted on the website may be shared with insurers.
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