Oriental Corona Rakshak health insurance

Oriental jan arogya bima policy benefits

• Eligibility for Oriental Corona Rakshak health insurance

  • Entry age between age of 18 years and 65 years

• Benefits for Oriental Corona Rakshak health insurance

  Name	Corona Rakshak Policy, Oriental insurance
  Product Type	Individual/ Floater
  Category of Cover	Benefit based
  Sum insured	Rs 50,000/- (Fifty Thousand) to2,50,000 (Two and half Lakh) (in the multiples of fifty thousand)
  Policy Period	Three and half months (3 ½ months), six and half months (6 ½ months) and nine and half months (9 ½ months) i.e, 105 days, 195 days and 285 days respectively.
  Eligibility	Policy can be availed by persons between the age of 18 years and 65 years. Proposer with higher age can obtain policy for adult members of the family, without covering self.
  Coverage	COVID Cover:Lump sum benefit equal to 100% of the Sum Insured shall be payable on positive diagnosis of COVID, requiring hospitalization for a minimum continuous period of 72 hours. The positive diagnosis of COVID shall be from a government authorized diagnostic centre

• Claims Procedure for Oriental Corona Rakshak health insurance

  Sl No	Type of Claim	Prescribed Time limit
  1.	COVID Cover	Within thirty days of date of discharge from hospital following positive diagnosis for COVID.

  Documents to be submitted for claim:

  The claim is to be supported with the following documents and submitted within the prescribed time limit.

  Covid-19 Cover
  • Duly filled and signed Claim Form
  • Copy of Insured Person’s passport, if available (All pages)
  • Photo Identity proof of the patient (if insured person does not owna passport).
  • Medical practitioner’s prescription advising admission.
  • Discharge summary including complete medical history of the patient along with other details.
  • Investigation reports including Insured Person’s test reports fromAuthorized diagnostic centre for COVID.

• Exclusions under the Oriental Corona Rakshak health insurance

  The Company shall not be liable to make any payment under the policy, in respect of any expenses incurred in connection with or in respect of:

  • Investigation & Evaluation: Expenses related to any admission primarily for diagnostics and evaluation purposes.
  • Any diagnostic expenses which are not related or not incidental to the current diagnosis and treatment
  • Any diagnosis which is not related and not incidental to COVID is not covered in this Policy
  • Any claim with respect to COVID manifested prior to commencement date of this policy or during the waiting period
  • Cover under this Policy shall cease if the Insured Person travels to any country placed under travel restriction by the Government of India.