Oriental Critical Illness Health Insurance

Critical Illness Policy offered by The Oriental Insurance Company Limited is a fixed benefit policy that provides lump sum payment benefit if the insured is diagnosed with any of the 22 listed critical illnesses. Some of the critical illnesses that the policy covers you for include cancer of specified severity, coma of specified severity, permanent paralysis of limbs, kidney failure requiring regular dialysis, and stroke resulting in permanent symptoms. The policy comes in two variants, Plan A and Plan B. Plan A covers you for 11 specified illnesses, whereas Plan B covers you for additional 11 critical illnesses apart from the ones covered under Plan B. The policy comes with two term options, i.e. 1 year or 3 years, that you can choose as per your requirement.

You can buy Critical Illness Policy if you are aged between 18 years and 65 years. For people aged up to 50 years, the Critical Illness Policy comes with sum insured options ranging between Rs. 2 Lakh and Rs. 50 Lakh. Whereas for people aged above 50 years, the sum insured options range between Rs. 2 Lakh and Rs. 20 Lakh. Under a single policy, apart from self, you can include spouse, either parents or parents in law, dependent children aged between 18 years and 25 years, and unmarried dependent siblings. There is no exit age under the policy and it comes with lifetime renewability benefit. Also, there is no requirement of pre-insurance medical check up if you are aged up to 45 years.