Oriental Personal Accident Policy

Overview

The human body is mortal, and we cannot always avoid accidents that could lead to loss of life or body parts like limbs or major organs. Such grievous accidents can greatly shatter a family's future and financial stability.

Oriental Insurance's personal accident policy offers compensation for critical conditions caused by an accident, violence, or external factors that result in temporary or permanent total or partial disablement. Read further to know more about the benefits and exclusions of the personal accident plan by Oriental Health Insurance.

Oriental Insurance Personal Accident Policy: Benefits and Inclusions

Oriental Insurance Personal Accident Policy offers several personal accident plans to cover you through unfortunate circumstances. The policy variants include:

• Gramin Accident Insurance Plan
• Janata Personal Accident Plan
• Nagrik Suraksha Plan
• Personal Accident - Group Plan
• Personal Accident - Individual Plan

Specific Benefits of Personal Accidental Cover

• Accidental Death: If a direct accident or an accidental injury is the sole cause of death to the insured, this policy covers such a condition and offers a payout to the nominee.
• Injury: Accidental injuries, whether severe or mild, such as loss of sight in one or both eyes, limbs, or fractures, are covered.
• Permanent Total Disability: In conditions of total permanent disablement, the insurer will pay out approximately 100% of the sum insured to manage financial or income loss.
• Permanent Partial Disability: If the policyholder has lost any of the mentioned organs that cannot be recovered by any means, compensation will be provided as per the specified percentage.
• Temporary Total Disability: The policy will cover the recovery cost and the financial needs of the insured's family up to a specified limit of the Sum Insured (SI) or 1% per week, up to a maximum of INR 20,000.
• Temporary Partial Disability: If the policyholder loses sight, secondary organs, etc., due to an accident for a specified period, the expenses for treatment will be covered as per the policy documents.
• Mortal Remains Mobility: If the demise of the insured occurs outside their residential region, funeral costs and transportation costs for their body will be reimbursed up to 2% of the base SI or up to INR 2,500.
• Worldwide Accidental Cover: Accidental conditions, as per your policy specifications, are covered worldwide with this plan.

Optional Benefits

• Medical Expenses: By paying an extra premium, you can get extended validity for an admissible claim against medical expenses incurred due to accidents.

Exclusions

• Hospitalization due to war, riot, strike, and nuclear weapons
• Intentional self-injury
• AIDS
• Miscarriage and abortion
• Congenital disease
• Infertility and in vitro fertilization

Final Thoughts

In the case of medical challenges like injuries caused by unfortunate accidents, accidental death, or disabilities (partial or full, temporary or permanent), Oriental Insurance's accidental policy provides crucial support. With your Oriental accident policy, you can be future-ready for any discrepancies or mishaps occurring due to accidents.

Why wait? Check out the details of this plan in the policy wordings attached above on this page.

If you have another query, send us an email at [email protected] or give us a call at 1800 4200 269.