Can I pay the premium in instalments for Oriental Arogya Sanjeevani policy?

Yes. You can pay the premium for this policy in Monthly, Quarterly, Half-yearly, or Yearly instalments.

What are the sum insured options under Oriental Arogya Sanjeevani policy?

The policy offers sum insured options ranging from as low as Rs. 1 lakh up to Rs. 5 lakh, in the multiples of 50,000.

Can I add dependent children under Oriental Arogya Sanjeevani policy?

Yes. You can add natural or legally adopted dependent children under this policy if they are aged between 3 months to 25 years. In case the child is aged above 18 years and is financially independent, then he/she will not be eligible for coverage in the subsequent years.

Will I be covered for the grace period under Oriental Arogya Sanjeevani policy?

The grace period is a specified period of time provided to the policyholders immediately following the premium due date during which they can pay the premium to renew their respective policies. No, this policy does not offer coverage for a grace period for which premium has not been paid.

What is the policy term for Oriental Arogya Sanjeevani policy?

Oriental Health Insurance Arogya Sanjeevani Policy is available for one year. The policy needs to be renewed thereafter.

Is there any limit on Cataract treatment covered under Oriental Arogya Sanjeevani policy?

Oriental Health Insurance Arogya Sanjeevani Policy covers Cataract treatment up to a limit of 25% or Rs. 40,000, whichever is lesser for each eye, during a policy year.

Does the policy offer a cumulative bonus to the policyholders?

Yes. If the policyholders do not make any claim during a policy, then they are rewarded with a 5% cumulative bonus. It is offered up to a maximum of 50%.

Is there any waiting period under Oriental Arogya Sanjeevani policy?

Yes. The policyholders need to complete a waiting period of 30 days from the date of policy issuance to be able to avail benefits under Oriental Arogya Sanjeevani Policy.

Are maternity expenses covered under Oriental Arogya Sanjeevani policy?

Oriental Arogya Sanjeevani Policy does not cover maternity expenses traceable to childbirth, but ectopic pregnancy is an exception. Expenses related to lawful medical termination of pregnancy and miscarriage, unless due to an accident are also not covered under this policy.

Can I enjoy portability benefits under Oriental Arogya Sanjeevani policy?

Yes. The policy allows portability benefits.

Oriental Arogya Sanjeevani Health Insurance Wordings

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Highlights

Claim Settlement	Dedicated Team
Claim Settlement Ratio	93.96%
COVID-19 Cover	Yes
Network Hospitals	4,300+
Policies Sold	12,50,812
Renewability	Lifelong

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Oriental Arogya Sanjeevani Policy Brochure

1.68 MB
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Jun 17, 2020

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Oriental Health Insurance Plan List

Critical Illness (1)
Family (2)
Kids (1)
Maternity (1)
Woman (1)
Individual (3)
Parents (1)
Senior Citizen (1)

Name of Plan	Sum Insured
Arogya Sanjeevani PolicyMin: 3 months; Max: 65 yearsPopular	1 Lakh - 5 Lakh	Check Premium
Happy Family Floater PolicyMin: 91 Days; Max: 70 Years	1 Lakh	Check Premium
PNB Oriental Royal Mediclaim 2017Min: 91 days; Max: 79 years	1 Lakh - 10 Lakh	Check Premium
Jan Arogya Bima PolicyMin: 5 years; Max: 70 years	5000	Check Premium
Corona Rakshak PolicyMin: 18 Years; Max: 65 Years	50,000 - 2.5 lakh	Check Premium
Corona Kavach PolicyMin: 1 day; Max: 65 years	50,000 - 5 lakh	Check Premium
Happy Cash Min: 3 Months; Max: No Limit	500/day	Check Premium
HOPE (Health of Privileged Elders)Min: 60 Years; Max: No Limit	1 Lakh	Check Premium
Individual Mediclaim PolicyMin: 18 Years; Max: 70 Years	1 Lakh	Check Premium
OBC Oriental Mediclaim Policy 2017Min: 91 days; Max: 79 years	1 Lakh - 10 Lakh	Check Premium

Oriental Health Insurance Top Up List

Family (1)
Maternity (1)
Top-up (1)

Name of Plan	Sum Insured
Super Health Top-upMin: 91 Days; Max: 70 Years	3 Lakh	Check Premium

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FAQs on Arogya Sanjeevani Policy Health Insurance Plan

Can I pay the premium in instalments for Oriental Arogya Sanjeevani policy?
Yes. You can pay the premium for this policy in Monthly, Quarterly, Half-yearly, or Yearly instalments.
What are the sum insured options under Oriental Arogya Sanjeevani policy?
The policy offers sum insured options ranging from as low as Rs. 1 lakh up to Rs. 5 lakh, in the multiples of 50,000.
Can I add dependent children under Oriental Arogya Sanjeevani policy?
Yes. You can add natural or legally adopted dependent children under this policy if they are aged between 3 months to 25 years. In case the child is aged above 18 years and is financially independent, then he/she will not be eligible for coverage in the subsequent years.
Will I be covered for the grace period under Oriental Arogya Sanjeevani policy?
The grace period is a specified period of time provided to the policyholders immediately following the premium due date during which they can pay the premium to renew their respective policies.

No, this policy does not offer coverage for a grace period for which premium has not been paid.
What is the policy term for Oriental Arogya Sanjeevani policy?
Oriental Health Insurance Arogya Sanjeevani Policy is available for one year. The policy needs to be renewed thereafter.
Is there any limit on Cataract treatment covered under Oriental Arogya Sanjeevani policy?
Oriental Health Insurance Arogya Sanjeevani Policy covers Cataract treatment up to a limit of 25% or Rs. 40,000, whichever is lesser for each eye, during a policy year.
Does the policy offer a cumulative bonus to the policyholders?
Yes. If the policyholders do not make any claim during a policy, then they are rewarded with a 5% cumulative bonus. It is offered up to a maximum of 50%.
Is there any waiting period under Oriental Arogya Sanjeevani policy?
Yes. The policyholders need to complete a waiting period of 30 days from the date of policy issuance to be able to avail benefits under Oriental Arogya Sanjeevani Policy.
Are maternity expenses covered under Oriental Arogya Sanjeevani policy?
Oriental Arogya Sanjeevani Policy does not cover maternity expenses traceable to childbirth, but ectopic pregnancy is an exception. Expenses related to lawful medical termination of pregnancy and miscarriage, unless due to an accident are also not covered under this policy.
Can I enjoy portability benefits under Oriental Arogya Sanjeevani policy?
Yes. The policy allows portability benefits.

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Claim Process at Oriental Health Insurance

Network Hospital
Non-Network Hospital

1
Claim Assistance
For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
2
Claim Intimation
Emergency hospitalisation needs intimation as soon as it occurs and for planned hospitalisation intimate as soon as it occurs prior to admission.
3
Claim Processing
Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
4
Claim Settlement
Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.

1
Claim Assistance
For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
2
Claim Intimation
Emergency hospitalisation needs intimation as soon as it occurs and for planned hospitalisation intimate as soon as it occurs prior to admission.
3
Claim Processing
Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
4
Claim Settlement
Once your request for reimbursement of expenses is approved, the claim will be settled.

Oriental Health Insurance Contact Details

Reach us for help anytime

Insurance Dekho
755 1196 989Mon to Sun 10:00 AM to 7:00 PM
support@insurancedekho.com
Oriental Health Insurance
1800-118-48524x7
csd@orientalinsurance.co.in