Oriental Personal Accident Policy

Covers you globally
Optional medical cover
Accidental loss compensation

Network hospitals

4000+

Incurred claim ratio

95.49%

Sum insured

Up to 2 Crores

No. of Plans

Solvency Ratio

0.6

Pan India Presence

1,000+

Customized Health Insurance Plan for you.

Get upto 15% Online Discount*

Select Members You Want To Insure

1 Adult

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Other Members

Age of Eldest Member

Oriental Personal Accident Policy

The human body is mortal such that we all can not avoid an accident that could lead us to lose our lives or any part of the body like limbs, or major organs. These accidents could be so grievous that they may greatly shatter our family's future and financial stability.

Oriental Insurance personal accident policy offers compensation against such critical conditions caused by an accident, violence, or external factors that have caused temporary or permanent total/partial disablement. Read further through this page to know more about the benefits, and exclusions of the personal accidental plan by Oriental Health Insurance.

Oriental Health Insurance Detailed Review

Oriental Personal Accident Policy Specifications

To understand Oriental Personal Accident Policy Insurance in detail, take a look at the below table:

Entry Age

N/A

Policy Type

Accident Health Insurance

Sum Insured

N/A

Initial Waiting Period*

N/A Days

Renewability

N/A

Policy Term

N/A

*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.

Oriental Insurance Personal Accident Policy Benefits and Inclusions

Oriental Insurance Personal Accident Policy offers several personal accident plans to cover you through any unfortunate circumstances, the specifications of which are given below. Here are the Oriental Insurance personal accident policy variants: Gramin Accident Insurance Plan Janata Personal Accident Plan Nagrik Suraksha Plan Personal Accident - Group Plan Personal Accident - Individual Plan The table given below illustrates the specific benefits related to personal accidental cover with Oriental Insurance:

Benefits	Specifications
Accidental death	If a direct accident or an accidental injury stands as the sole cause of death to the insured, this policy covers such condition and offers a payout to the nominee
Injury	Accidental injuries whether it's severe or mild, like loss of the sight of eye/s, limbs, fractures, etc are covered
Permanent total disability	In such conditions of total permanent disablement, the insurer will payout approximately 100% of the sum insured to manage the financial or income loss
Permanent partial disability	If there's a condition when the policyholder has lost any of the mentioned organs that may not be recovered by any means will be compensated 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 SI or 1% per week up to a maximum of INR 20,000
Temporary partial disability	If the policyholder loses his/her sight, secondary organs, etc to an accident for a specified period, the expenses for treatment will be covered as per coverage in the policy documents
Mortal remains mobility	If the demise of the insured is caused outside their residential region, the funeral costs and their body's transportation costs will be reimbursed up to 2% of the base SI or up to INR 2,500
Worldwide accidental cover	Accidental conditions as per the specifications of your policy are covered worldwide with this plan
Optional Benefits
Medical expenses	On paying an extra premium, you can get an extended validity for an admissible claim against the medical expenses occurring due to accidents

Oriental Insurance Personal Accident Policy Exclusions

Permanent Exclusions

Permanent diseases or health conditions that are not included under Oriental Insurance Personal Accident Policy are:

Hospitalization out of 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 a medical challenge like injuries caused due to unfortunate accidents, accidental death, or disabilities either partial or full and temporary or permanent, Oriental Insurance's accidental policy saves your day. With your Oriental accident policy, you can be future-ready for any discrepancies or mishaps occurring due to accidents.

What are you giving the second thought then? 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 helpdesk@policyx.com or give us a call at 1800 4200 269.

Explore other Oriental Health Insurance

To cater to the different medical needs of an individual & their family, Oriental Health Insurance offers several Health Plans ranging from senior citizen plans to specialized plans for autistic children, to health insurance for cardiac patients, and many more.Take a look below to Oriental Health Insurance plans explore more:

Group Health Insurance

Oriental Bank Saathi Policy

Oriental Health Insurance Bank Saathi Policy, a group policy by Oriental Insurance Company, is designed to provide indemnity to insured individuals an...

Unique Features

2 Plan Variants
Newborn Baby Cover
Modern Treatment

Oriental Bank Saathi Policy (Pros)

Maternity & newborn cover
Medical second opinion
Mental illness cover

Oriental Bank Saathi Policy (Cons)

Illegal activities
Alcoholism
Adventure sports

Oriental Bank Saathi Policy (Other Benefits)

Tax benefits
AYUSH treatment
Modern treatments

Oriental Bank Saathi Policy (Eligibility Criteria)

Min entry age: 18 Years
Max entry age: 65 Years
Initial Waiting Period: 30 Days
Sum Insured: Up to 25 L

Accident Health Insurance

Oriental Personal Accident Policy

The human body is mortal such that we all can not avoid an accident that could lead us to lose our lives or any part of the body like limbs, or major ...

Unique Features

Covers you globally
Optional medical cover
Accidental loss compensation

Oriental Personal Accident Policy (Pros)

Accidental death
Injury
Permanent total disability

Oriental Personal Accident Policy (Cons)

Obesity
Illegal activities
Cosmetic Procedures

Oriental Personal Accident Policy (Other Benefits)

Permanent partial disability
Temporary total disability
Worldwide accidental cover

Oriental Personal Accident Policy (Eligibility Criteria)

Individual and Family Health Insurance

Oriental Happy Family Floater Policy

Oriental Family Floater Policy offers versatile coverage options to their policyholders. Oriental Health Insurance designed the plan to align with dif...

Unique Features

International Cover
Multiple Discount Benefits
E-Consultation Available

Oriental Happy Family Floater Policy (Pros)

Domiciliary hospitalization
Pre and post-hospitalization
Newborn baby expenses

Oriental Happy Family Floater Policy (Cons)

Illegal activities
Alcoholism and drug abuse
Obesity

Oriental Happy Family Floater Policy (Other Benefits)

Tele consultation
Telemedicine
Accidental death benefit

Oriental Happy Family Floater Policy (Eligibility Criteria)

Min entry age: 18 Years
Max entry age: 65 years
Initial waiting period: 30 days
Sum Insured: Up to 50 L

Individual and Family Health Insurance

PNB Oriental Royal Mediclaim Insurance Policy

PNB Oriental Royal Mediclaim policy introduced by Oriental Health Insurance provides comprehensive coverage to the account holders of Punjab National ...

Unique Features

Individual and Family Floater
AYUSH Cover
Check the Eligibility Criteria

PNB Oriental Royal Mediclaim Insurance Policy (Pros)

Covers family
High sum insured
Ambulance cover

PNB Oriental Royal Mediclaim Insurance Policy (Cons)

Illegal activities
Alcoholism and drug abuse
Obesity

PNB Oriental Royal Mediclaim Insurance Policy (Other Benefits)

Pre and post-hospitalization
Multiple variants
Daily hospital cash

PNB Oriental Royal Mediclaim Insurance Policy (Eligibility Criteria)

Min entry age: 18 Years
Max entry age: 79 Years
Initial waiting period: 30 Days
Sum insured: Up to 10 L

Individual

Individual Mediclaim Policy

Oriental Individual Mediclaim by Oriental Health Insurance is an affordable health insurance policy that is designed to take care of all your medical ...

Unique Features

AYUSH Benefits Covered
Inclusions and Exclusions
Lifetime Renewability

Individual Mediclaim Policy (Pros)

Family discount
Voluntary co-payment
Daily hospital cash

Individual Mediclaim Policy (Cons)

Alcoholism and drug abuse
Obesity
Cosmetic procedures

Individual Mediclaim Policy (Other Benefits)

Personal accident cover
Medical second opinion
Multiple SI options

Individual Mediclaim Policy (Eligibility Criteria)

Min entry age: 18 Years
Max entry age: 65 Years
Initial Waiting Period: 30 Days
Sum Insured: Up to 50 L

Oriental Personal Accident Policy: FAQs

1. Will Oriental Insurance’s accidental policy cover deaths caused due to road accidents?

Yes, specified personal accidents including road mishaps are covered under this policy.

2. Does Oriental Insurance’s accidental personal policy cover worldwide accidental deaths?

Yes, it covers death caused due to an accident outside India as well.

3. Is there any variant for this plan?

Check in the ’specifications’ section of this page to know the names of different variants under Oriental Insurance’s personal accident policy.

Oriental Personal Accident Policy

Oriental Health Insurance Detailed Review

Oriental Personal Accident Policy Specifications

Entry Age

Policy Type

Sum Insured

Initial Waiting Period*

Renewability

Policy Term

Oriental Insurance Personal Accident Policy Benefits and Inclusions

Oriental Insurance Personal Accident Policy Exclusions

Permanent Exclusions

Final Thoughts

Explore other Oriental Health Insurance

Oriental Bank Saathi Policy (Pros)

Oriental Bank Saathi Policy (Cons)

Oriental Bank Saathi Policy (Other Benefits)

Oriental Bank Saathi Policy (Eligibility Criteria)

Oriental Personal Accident Policy (Pros)

Oriental Personal Accident Policy (Cons)

Oriental Personal Accident Policy (Other Benefits)

Oriental Personal Accident Policy (Eligibility Criteria)

Oriental Happy Family Floater Policy (Pros)

Oriental Happy Family Floater Policy (Cons)

Oriental Happy Family Floater Policy (Other Benefits)

Oriental Happy Family Floater Policy (Eligibility Criteria)

PNB Oriental Royal Mediclaim Insurance Policy (Pros)

PNB Oriental Royal Mediclaim Insurance Policy (Cons)

PNB Oriental Royal Mediclaim Insurance Policy (Other Benefits)

PNB Oriental Royal Mediclaim Insurance Policy (Eligibility Criteria)

Individual Mediclaim Policy (Pros)

Individual Mediclaim Policy (Cons)

Individual Mediclaim Policy (Other Benefits)

Individual Mediclaim Policy (Eligibility Criteria)

Oriental Personal Accident Policy: FAQs

1. Will Oriental Insurance’s accidental policy cover deaths caused due to road accidents?

2. Does Oriental Insurance’s accidental personal policy cover worldwide accidental deaths?

3. Is there any variant for this plan?

Explore Oriental Health Insurance

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Written By: Simran Nirala

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