Oriental Insurance is one of the state-owned general insurance service providers in the country. In the health insurance domain, the company focuses on providing affordable health insurance plans for people who belong to the low-income category. Jan Arogya Bima is a policy by Oriental Insurance that provides limited health coverage at an extremely affordable premium cost. Premium costs for this cover start as low as Rs.70. This policy ensures that people below the poverty line have some level of insurance protection against various health hazards.
In order to avail this medical insurance cover, potential customers must fit within the following eligibility criteria.
Some of the key features of Oriental Insurance Jan Arogya Bima Plan can be given as follows.
The benefits offered by Oriental Insurance Jan Arogya Bima Plan can be given in the following table.
|Hospitalisation expenses||Expenses related to room, boarding, nursing, medical practitioner fees, medical appliances, drugs, etc.|
|Domiciliary hospitalisation||Available up to the sum insured limit|
|Pre and post hospitalisation expenses||Coverage only for expenses related to the primary reason for hospitalisation|
|Day care treatment||Available up to the sum insured limit for specific illnesses mentioned in the policy schedule|
There are certain exclusions for which the company will not provide any compensation to the insured. Some of the exclusions of Oriental Insurance Jan Arogya Bima Plan can be listed as follows.
Following an event that may give rise to a claim, the company must be notified immediately without fail. While notifying the company, it is necessary to include details such as policy number, name of the insured, name and address of the medical practitioner or hospital, etc. These details must be provided within a period of 7 days.
In order the claim reimbursement, the insured must submit various documents including medical bills, cash memos, diagnostic reports, etc. along with the claim form. All these documents must be submitted within 30 days of discharge from the hospital. Following the submission of all documents, the company will process the request and verify the validity of all the documents. Once the submitted documents are all verified, the company will provide the claim settlement amount to the insured.
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