Oriental Jan Arogya Bima Policy: Benefits, Premium, Renewal

Oriental Jan Arogya Bima Policy

Oriental Jan Arogya Bima Policy is a comprehensive health insurance policy that covers the insured for emergency hospitalisation expenses. The policy covers its members for a premium of as low as Rs 70 for male and Rs 50 for female. Under this policy a policy coverage of Rs 5000 is offered per annum.

Eligibility Criteria

The minimum eligibility terms under this policy are as mentioned below:

Type	Individual
Minimum Entry Age	5 years 3months to 5years (one or both the parents must be covered already)
Maximum Entry Age	70 years Can continue beyond if they do not break the renewal process
Members Covered	4; self, Spouse, children, parents
Residential Status	Indian citizens and Residents

Coverage Offered

To buy Oriental Jan Arogya Bima Policy, one can quickly look down on the basic requirements and get their hospitalization expenses covered. Some of the basic coverage offered by the Policy are as follows:

Inpatient Treatment Cover -Inpatient treatment includes all hospital room boarding, nursing expenses, surgeon, anesthesiologist, medical practitioner, consultants, surgical appliances, blood cover oxygen, Operation Theatre charges, and equipment, including pacemaker and other related expenses.
Pre-hospitalization Cover-The Policy covers pre-hospitalization expenses up to 30 days. This will only be provided for the same illness as the insured person was hospitalized for.
Post-hospitalization Cover- The post-hospitalization expenses are incurred up to 60 days from the date of discharge. This will only be provided for the same disease the insured person was hospitalized for.
Domiciliary Hospitalization- This will be applied when the medical treatment requires more than three days of treatment, which in the ordinary course would require treatment at a hospital or nursing home. This will be in circumstances where the patient is not in a condition to be moved to a hospital, or there are no rooms available.

Inclusions of the Policy

Oriental Health Insurance provides diverse coverage for all kinds of medical expenses. Oriental Jan Arogya Bima Policy is also designed on the same grounds. The policy includes the following:

Immediate claim is ensured in cases of covered disease/surgery.
Anesthesia, Oxygen, Blood, Operation Theatre Charges, Medicines & Drugs, X-Ray, Dialysis, Chemotherapy, Radiotherapy, and similar expenses etc. are covered up to the specified limit.
An insured sum of Rs 5,000 is assured for hospitalisation expenses.

Exclusions of the Policy

Some conditions and diseases are not covered under Oriental Jan Arogya Bima Policy. These exclusions are as below:

Pre-existing diseases or complications arising from such pre-existing diseases
Any expenses on the hospitalization in card within 30 days of commencement period of the insurance except in cases of injury
During the first quarter of the insurance, treatment of diseases like cataract, or hernia, benign prostatic hypertrophy
Cost of spectacles and contact lenses and hearing aids
Dental treatment
Injury or diseases that are directly or indirectly caused by or are contributed to by nuclear weapons or materials
Treatment expenses due to disease caused by human t-cell lymphotropic virus Type -III

For a detailed exclusion list, please refer to the policy document.

Features & Benefits of the Oriental Jan Arogya Bima Policy

The details, features, benefits are available online Oriental Jan Arogya Bima Policy website. Some of the benefits and feature of Oriental Jan Arogya Bima Health Insurance Policy are as follows:

Admissible claim related during the period of insurance is Rs 5,000 per person.
Treatments like dialysis or chemotherapy or radiotherapy in which the patients can be discharged before 24 hours will also be considered under the hospitalization benefit section.
Any expenses, including artificial Limbs or the cost of organs, are covered under the Policy.
This premium paid under this Policy is eligible for tax rebate under section 80D of the Income Tax Act 1961.

Cancellation Clauses of the Policy

A 30 -days notice will be sent to the insured person's last known address before the cancellation begins by a registered letter. The company shall respond to the insured with a pro-Rata Premium for an unexpired period of insurance. Such cases will only happen when there is misrepresentation or any malicious suppression of facts intended to mislead the company.

The company shall refund one-fourth of the annual rate up to 1 month, half of the annual rate up to 3 months, and the full annual rate for exceeding six months.

FAQs

Q. How is the payment of claims made?

Ans: All the claims are done for medical treatments happening in India and are paid only in Indian currency.
Q. How is the final claim made?

Ans: The final claim is made along with the hospital bills or cash memos' receipts within 30 days of discharge.
Q. What is considered as one illness?

Ans: Any illness that relapses within 45 days of consultation or within 105 days of discharge will be considered as one illness under the Policy.
Q. What is the free look period in the Policy?

Ans: This is applicable only for new policies. A period of 30 days, starting from the receipt of the Policy to review all the terms and conditions, is given.
Q. Is psychosomatic illness included?

Ans: All psychiatric or psychosomatic disorders are excluded from the scope of the Policy.