Oriental Health Nagarik Suraksha Policy

Eligibility age

1. Minimum - 5 years
2. Maximum - 70 years

1. Minimum - 18 years
2. 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

1. 40% to 100% of Personal Accident Benefit in cases of Partial or Total Disability
2. Cumulative Bonus
3. Funeral or Burial Charges
4. Education Fund Support for children of Insured
5. Remuneration of Hospitalization expenses

Exclusions

1. Illness due to HIV/AIDS
2. Death or disablement resulting from venereal disease or insanity
3. Death or disability resulting from pregnancy or childbirth, etc.
4. Committing any breach of law with criminal intent
5. Whilst engaging in aviation or while mounting into, dismounting from or travelling in any aircraft