Oriental Youth Eco Care Policy

The following are the salient features and benefits of the Oriental Youth Eco Care Policy.

• Daily Hospital Cash Allowance

When an insured person is hospitalized and a claim is approved by the policy, the insured person is qualified to receive a daily cash allowance for each consecutive and completed period of 24 hours of hospitalisation, up to a maximum of 7 days per hospitalisation and 14 days per policy period, as specified.

• A Floater with a Floater Cover

Within the same policy, the policyholder has the option to select floater coverage for various groups of family members with varying Sum Insured limitations. For instance, inside the same policy, a policyholder may obtain floater coverage totalling 10 lakhs for themselves, their spouses, and their children.

• Hospitalization Cover

The Policy only covers medically necessary expenses up to the limit of the Sum Insured or specified sub-limit for hospitalisation and/or domiciliary hospitalisation for illnesses or diseases contracted, suffered, or injuries sustained by the Insured Person(s) during the Policy Period.

• Pre and Post Hospitalization

When you buy the Oriental Youth Eco Care policy, the medical costs incurred up to 90 days after hospitalisation and 45 days before hospitalization are covered.

• Air Ambulance

This coverage is only offered in the event of a medical emergency requiring immediate ambulance transport to a hospital or medical facility, which ground transportation is unable to provide.

• Ayush Treatment

The Company will cover medical costs for inpatient care under the Ayurvedic, Yoga and Naturopathic, Unani, Siddha, and Homeopathic systems of medicine up to 25% of the Sum Insured as stated in the policy schedule during each Policy Year.

• HIV/ Aids Cover

The Company shall reimburse the Hospital or the Insured for any medical expenses incurred (including those incurred before and following the hospitalisation) in connection with the Inpatient/Day Care treatment.

• Online Consultation

Expenses expended by the insured for a diagnosis and treatment of a sickness or ailment are covered by the policy through telemedicine, teleconsultation, or online consultation with a licensed physician.

• Organ Donor Expenses

In-patient Hospitalisation is covered by the Policy. Medical costs for the organ donor under the condition that the donation complies with the Transplantation of Human Organs Act 1994 (amended) and/or any other applicable Act, Central or State Rules, or Regulations about the transplantation of human organs.

• Cost Of Health Checkup

If there are no claims reported during the block, the insured is eligible for reimbursement for the cost of a single health checkup performed at the end of every THREE consecutive underwriting years. After three years without filing a claim, the insured individual is eligible for this benefit until the end of the fourth year of the policy.

• Maternity Expenses

A maximum of two deliveries or terminations, or either during the lifetime of the insured person, shall be covered by the company’s payment of medical expenses incurred while the insured person is an in-patient for delivery (including a caesarean section) or a legal medical termination of pregnancy during the policy period.

• Assisted Reproduction Treatment (Art)

Any therapy or procedure involving the manipulation of human oocytes, sperm, or embryos in vitro to establish pregnancy will be covered by ART. The business will cover the cost of assisted reproductive treatment.

• Grace Period

A grace period of 30 days is permitted if the Policy’s renewal is delayed. However, there will be no coverage during the grace period, and any illness or injury picked up during that time will be classified as a pre-existing condition and not covered.