Oriental Pravasi Bhartiya Bima Yojana Policy

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Overview


Many of us leave our country for jobs and other reasons. Living in a foreign country is not so simple as there are several difficulties that one has to comr across. Having an appropriate insurance cover will provide you the needful assistance. Oriental Pravasi Bhartiya Bima Yojana Policy is one such cover. It is specially designed to provide assistance to emigrants. This plan is full of features and benefits that will help a policyholder in any foreign country. By owning this policy an insured can provide coverage to his/her family as well. It is designed in a way that can assist you when you need it most. This policy prepares a person to face upcoming unwanted incidents that can occur anytime and provides a peace of mind.

Benefits and Features

Basic Attributes:

This plan is for the emigrant of age 18 to 60 years who are staying abroad for employment. It is available for all citizens who have applied for or have obtained immigration clearance, which is necessary as per the Emigrant Act.

Personal Accident Advantage: Under this plan the insured will get the benefit of personal accident cover which means that in the case of accidental death or permanent disablement, a cover will be provided under the plan.

Medical Cover: Apart from providing medical coverage to the insured, this policy allows his/her family member who is living in India to take advantage of family floater cover. This means the family of the insured, including spouse and two children up to 21 years of age can take quality treatment in case of need within India as per the policy document.

Maternity Benefit: This will also provide maternity cover and the associated treatment taken in hospital will be included.


Expert View

This plan is unique as it is mainly formulated for the emigrants. We know that living in a foreign country is really tough thus we require measures to deal with any unwanted situation that may crop up anytime. This plan is really good as it provides needful support to the insured emigrants and their families in India as well. Add on coverage, maternity benefits, hospitalization cover makes it a must have choice. If you an emigrant then you should go for it without wasting any time.



Why Oriental Pravasi Bhartiya Bima Yojana Policy?

Specially For Emigrants: This policy is specially designed for emigrants. This plan offers a wide and helpful coverage to emigrants and their fanily as well.

Cashless Facility: Cash less facility would be available for the insured emigrant in India only. The insured person has to approach the insurer and the facility will be offered through Third Party Administrator, for treatment within network hospitals only.

Wide Hospitalization Cover: The insured along with his/her family will be liable for the hospitalization cover. Family can get this needful coverage anywhere in India.

Free Look Period: This policy will offer a free look period. The free look period would be applicable at the inception of the fresh policy.

Exceptions:

Expenses in war: This insurance scheme will be not liable to pay for any expense in case of war or any internal conflicts within the country.

Payment of Claim: All claims would be payable subject to terms / conditions and exceptions of the scheme, in Indian currency only.

Cancellation Clause: The Company may allow abolition of the plan in case when the journey is not undertaken subject to the creation of the original passport as a proof. The Company will retain some cancellation charges.