Oriental Insurance - Nagrik Suraksha Policy
Oriental Insurance is a wholly owned subsidiary of Government of India. With a wide range of insurance products, over 900 offices and large distribution network, Oriental Insurance is one of the largest and general insurance company in India. Besides India, the company also has offices in Nepal, Kuwait and Dubai.
Toll Free line: 1800-11-8485/91-11-33208485
E-mail: csd@orientalinsurance.co.in/support@orientalinsurance.co.in
This policy offers compensation in case of death or bodily injury to the insured person, directly and solely as a result of an accident, by external, visible and violent means.
Unique Features of Oriental Insurance - Nagrik Suraksha Policy
Hospitalization Expenses: In the event you are hospitalised due to an accident, any medical expenses incurred shall be paid as mentioned in the grid.
Carriage of Dead Body & Funeral Charges: In the event of death of the insured person due to an accident outside his/her residence, the company shall pay expenses incurred for transportation of dead body to the place of residence.
Education Fund: In the event of AD or PTD, the company shall pay a lump sum compensation towards childs education.
Loss of Employment Benefit: A lump sum compensation is paid, in the event of loss of employment following an accident resulting in loss of limbs/eyes or permanent total or partial disablement.
Eligibility Criteria for Oriental Insurance - Nagrik Suraksha Policy
| Category | Details | ||||||
|---|---|---|---|---|---|---|---|
| Age Group | Min Entry Age: 5 Years Max Entry Age: 70 Years For Children Min Entry Age: 5 Years Max Entry Age: 19 Years |
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| Renewal Age | Life Long Renewal | ||||||
| Sum Insured | Rs. 1 Lac to Rs. 5 Lacs | ||||||
| Policy Tenure | 1 Year | ||||||
| Family Definition | Individual | ||||||
Product Benefits of Oriental Insurance - Nagrik Suraksha Policy
| Benefits | Description | ||||||||
|---|---|---|---|---|---|---|---|---|---|
| Accidental Death | 100% of Sum Insured | ||||||||
| Permanent Total Disability | 100% of Sum Insured | ||||||||
| Permanent Partial Disability | 40% or more than 40% of Sum Insured | ||||||||
| Loss of Limbs | 100% of Sum Insured | ||||||||
| Hospitalization Expenses | Maximum 20% of Sum Insured | ||||||||
| Carriage of Dead Body & Funeral Charges | 2% of SI or Rs. 2500, whichever is less | ||||||||
| Education Fund | For 1 children (Upto 23yrs)- 10% of SI; Max Rs. 5000 More than 1 children (Upto 23yrs) - 10% of SI; Max Rs. 10000 |
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| Loss of Employment | 1% of the Sum Insured | ||||||||
| Cumulative Bonus | In the event there is no claim, sum insured will be increased by 5% every year, subject to a max. of 50% of the capital sum insured. | ||||||||
Add-ons for Oriental Insurance - Nagrik Suraksha Policy
Not Available
Additional discounts for Oriental Insurance - Nagrik Suraksha Policy
Not Available
Exclusion in Oriental Insurance - Nagrik Suraksha Policy
Accidental Bodily Injury that you meet with or arises out of:
- Payment of compensation in respect of injury as a direct consequence of:
Committing or attempting suicide, intentional self injury.
Under the influence of intoxicating liquor or drugs. - Whilst engaging in Aviation or whilst mounting into, dismounting from or traveling in any aircraft other than as a passenger (fare paying or otherwise) in any duly licensed standard type of aircraft anywhere in the world.
- Death or disablement resulting from Pregnancy or childbirth.
- Death or disablement resulting from Venereal disease or insanity.
- Contracting any illness directly or indirectly arising from or attributable to HIV and/or any HIV related illness including AIDS and/or any mutant derivative or variation of HIV or AIDS.
- Committing any breach of law of the land with criminal intent, etc.
Claim Process for Oriental Insurance - Nagrik Suraksha Policy
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