Oriental Health Insurance for Parents

Oriental Insurance brings forth health insurance for parents in the form of HOPE policy or Health of Privileged Elders. Specifically designed for individuals aged 60 years and above, the policy covers specific diseases such as Accidental Injury, Knee Replacement, Cancer, Cardiovascular Diseases, Chronic Renal Failure and various others. An excellent choice for parents, HOPE or Health of Privileged Elders policy provides coverage for Ayurvedic, Unani and Homeopathic treatment in govt. hospitals/colleges as well. All in all, it is a great health insurance investment for parents.

Key Features

• Sum insured options - Rs. 1 Lakh to Rs. 5 Lakh
• Coverage available for specific diseases only
• Perfect for people aged 60 years and above
• TPA service available
• Cashless service available through TPA only (limited to Rs. 1 Lakh)
• Compulsory co-payment of 20% on admissible claim amount
• Discount in premium for opting for voluntary co-payment
• Benefit of continuity extended, if already insured with mediclaim policy

Scope of Coverage

• 30 days pre & 60 days post hospitalisation expenses
• Hospitalisation for a minimum period of 24 hours
• Room, boarding, and nursing expenses
• ICU unit expenses & ambulance service charges
• Fees of anaesthetist, surgeon, and others covered
• Cost of anaesthesia, oxygen, operation theatre charges, blood, surgical appliances, and other expenses like such
• Domiciliary hospitalisation expenses covered up to Rs. 20,000
• Accidental Injury, Stroke, Cardiovascular Diseases, Chronic Renal Failure, Cancer, Chronic Obstructive Lung Diseases, and five other diseases/illnesses/injuries covered

Eligibility

HOPE or Health of Privileged Elders comes with a minimum entry age of 60 years. As far as the maximum entry age is concerned, there is none.

Exclusions

• External congenital/genetic conditions
• Domiciliary treatment, treatment outside India
• Refractive error correction, hearing impairment correction & cosmetic dental surgeries
• Organ donor expenses
• War or war like operations

Does HOPE/Health of Privileged Elders policy seem the perfect match for health insurance for your parents requirement? Call at 1800 1205 698 to uncover more about the policy from InsuranceDekho experts.