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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/partial disablement. Read further to know more about the benefits and exclusions of the personal accident plan by Oriental Health Insurance.
| PLAN DETAILS |
Oriental Personal Accident Policy |
Optima Lite Health Insurance Plan |
| Product Type | Accident Health Insurance | Individual |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
- | Covered |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
- | Covered |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
- | Covered |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
- | Covered |
| Post-hospitalization (Expenses after discharge from the hospital) |
- | Covered |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
- | Not Covered |
| Hospital_network (Number of Hospital Network in city) |
4000 | 15000 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
- | Covered |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
- | Covered |
| Ambulance Charges (Expenses incurred on ambulance charges) |
- | Covered |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
- | Not Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
- | Not Covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
- | Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
- | - |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
- | - |
| Plan Entry Age | N/A | Children: 91 days; Adults: 18 years |
| Plan Premium Entry Age and S/A | 7,368 | - |
| Plan Waiting Period | N/A | 30 days |
| Plan Coverage | - | - |
| Plan Sample Premium | N/A | - |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | N/A | 1/2/3 Years |
| ICU Charges | - | Covered |
| Covid-19 Treatment | - | Not Covered |
| Cataract | - | Covered |
| Automatic Restoration | - | Covered |
| Ayush Treatment | - | Covered |
| Modern Treatment | - | Covered |
| E Consultation | - | Covered |
| Air Ambulance | - | Not Covered |
| Global Coverage | - | Not Covered |
| Claim Ratio | 91.62 | 95.30 |
| Solvency Ratio | -1.03 | 2.00 |
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