Oriental Health Nagarik Suraksha Policy

A unique insurance plan that covers and hospitalisation insurance policy for an individual or a family. The plan can also provide for a group policy. The beauty of the plan lies in the flexibility with which it address different aspects of health insurance. The policy offers both individual as well as both group cover. It provides cumulative bonus as well.

Features of Oriental Insurance Nagarik Suraksha Policy:

This policy can be for individuals, offering cover for family members and it can also be availed for groups. The basic features of these plans are listed below -

Eligibility age Entry ages for family package –
  • Minimum – 5 years
  • Maximum – 70 years
Entry ages for Individual or Group packages –
  • Minimum – 18 years
  • Maximum – 70 years
Basis Individual (covers dependents and family members) and Group
Premium Premium amounts are decided as per the tier of the city the company belongs to, the number of insured lives and the group size and are also dependent on the discretion of the company
Coverage Under individual policy, family members can be opted for cover as well. Group policy can cover many employees
Policy term For a group, the policy term will be 1 year, while for individuals, it will be within 1 year to 4 years
Renewability Renewable every year subject to age limits
Sum Insured Could be from INR 1 lakh to INR 5 lakhs
Benefits
  • 40% to 100% of Personal Accident Benefit in cases of Partial or Total Disability
  • Cumulative Bonus
  • Funeral or Burial Charges
  • Education Fund Support for children of Insured
  • Remuneration of Hospitalization expenses
Exclusions
  • Illness due to HIV/AIDS
  • Death or disablement resulting from venereal disease or insanity
  • Death or disability resulting from pregnancy or childbirth, etc.
  • Committing any breach of law with criminal intent
  • Whilst engaging in aviation or while mounting into, dismounting from or travelling in any aircraft

*The information listed here is as per the latest data. You should read the policy documents carefully before making a decision on buying a health insurance policy.

Also Read: How to File a Claim with National Insurance?

Other Health Insurance Plans from Oriental:

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GST rate of 18% applicable for all financial services effective July 1, 2017.

Disclaimer: Premiums may vary depending upon factors like age, location and prevailing taxes/GST.

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