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Last updated on: August 7, 2025
The key pain points associated with choosing 1 crore health insurance in India for 2025 include justifying the high sum insured, understanding the layered policy structure, and ensuring inclusion of global and specialized treatment benefits. The featured 1 Crore Health Insurance in India effectively addresses these issues by offering all-inclusive coverage for high-cost treatments, international medical care, critical illnesses, and long-term hospitalization. It is ideal for HNIs, business owners, and families seeking top-tier medical protection without financial limits. The platform enhances user clarity with transparent breakdowns, AI-driven customization based on lifestyle and risk exposure, and expert guidance to ensure maximum return on investment and seamless claims experience.
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Read BioOriental Health Insurance PBBY Policy is a family and individual health cover solution, which is India specific and more so to the needs of the people in the weaker sections. The PBBY is a niche policy of the Oriental Insurance Company Limited and is referred to as Pravasi Bharatiya Bima Yojana. It continues to provide good coverage on different hospitalisations expenses, accidents, and other health contingencies by 2025, and this is why it is a perfect choice to migrant workers and families who wish to cover their healthcare at a reasonable price.
Oriental Health PBBY policy has become relevant in the recent years since the rules have evolved and individuals have become more conscious of the need of health insurance. Its outstanding features are as follows:
| Cover Type | Sum Insured (Rs.) | Sub-limits/Features |
|---|---|---|
| Hospitalisation | 5,00,000 | Room rent, ICU, surgery |
| Personal Accident | 10,00,000 | Permanent disability or death |
| Maternity Benefit | 50,000 | Normal and caesarean delivery |
| Repatriation (Remains) | 50 000 | Insured abroad only |
| Pre/Post Hospitalisation | Up to 30/60 days | Primary claim costs |
Did you know? By 2025, Oriental Health Insurance PBBY Policy has been developed to enable easy settlement of claims in a digital manner and this has saved half of the time on majority of the claims.
Sharad is a technician in Uttar Pradesh who planned to work in a building project in Dubai in 2025. He chose Oriental Health Insurance PBBY because it not only covered his hospital bills in India, but also insured him against accidental injury abroad. His family was covered by the cashless benefit following a minor workplace injury in UAE and they paid bills at an Indian empanelled hospital, which minimized their out-of-pocket expenses.
Employees who would like to travel to other countries on work related issues especially those who would fall under the emigration check required (ECR) category can purchase this policy. Families (spouse and two children under 21) of an insured worker are also covered by the family plan option.
Professional View: According to insurance consultants, PBBY remains one of the cheapest schemes to migrant workers due to its unique overseas benefits and easy claim settlement.
PBBY policy insures you against different medical and accident risks. What falls under its broad coverage terms in 2025 is the following:
| Coverage Area | Details |
|---|---|
| Basic Hospitalisation | Room rent on actual basis (limits are applied) |
| ICU Charges | 2 percent of sum insured per day (policy limits) |
| Surgical Procedures | According to package limits |
| Ambulatory Charges | Covered when needed during the course of hospitalisation |
| Accidental Disability | Full payout as per the policy |
| Death due to Accident | Lump sum benefit to nominee |
| Maternity | One claim lifetime, to restrict |
Did you know? Oriental Health Insurance PBBY does not require pre-policy medical check-up after the age of 60 years, and this makes the younger members of the group easier to enrol.
To help you make a judgment, the following are the main strengths and weaknesses in 2025.
Yes, it is an annual policy that can be renewed easily before the expiry. The continuous renewals ensure that there is no interruption of coverage and policy benefits.
Expert Opinion: According to a survey done in 2025, almost 90 percent of the Oriental PBBY policyholders renewed their policy in time and the reasons were convenient renewal and excellent claim satisfaction.
Both the acquisition of the Oriental PBBY policy in 2025 and the preference of digital channels by the majority of customers is simple:
One can also compare Oriental PBBY with similar policies of other insurers on the most popular online market places. This will allow you to compare the premium rates, covers of the policies and the claim settlement ratio so that you can make a better purchase decision.
Neha, who is going to work in Oman in 2025, used an online comparison platform to compare the Oriental PBBY, government and private health plans. The overseas accident cover of PBBY seemed more comprehensive in her case and she bought it within 15 minutes because of the clear digital records.
You need application form, a valid passport with employment visa, passport-size photo and evidence of emigration status (ECR/ECNR).
Did you know? In 2025, Oriental Insurance will take soft copies and e-KYC to issue policy faster.
It is easy and fast to file a claim at Oriental Health Insurance PBBY:
Claims are usually settled within 10 working days assuming that all the documents are available. Claim status tracking is provided on a 24/7 basis online.
| Type of Claim | Mean Settlement Time |
|---|---|
| Cashless | 1-2 days |
| Reimbursement | 7-10 days |
| International | 10-15 days |
Oriental insurance claim portal allows you to track your claim online at any time by entering the policy and claim number.
Expert Opinion: Policyholders are advised to upload all the required documents on the internet to avoid delaying claims especially those that require reimbursement of hospitalisation in a foreign country.
Oriental Health Insurance PBBY is a special policy with its target audience. Here is a brief comparison of it with standard individual health policies in the table below.
| Feature/Aspect | Oriental PBBY | Standard Health Insurance |
|---|---|---|
| Target Group | Migrant workers, ECR | General public |
| Overseas Cover | Yes (limited) | No (not normally covered overseas) |
| Personal Accident | Included | Frequently add-on/optional |
| Maternity Benefit | Included | Part of some high-level plans |
| Premium (2025 Avg.) | Rs 2,000 - 7,000 | Rs 5,000 - 25,000 |
| Sum Insured | 5-10 lakh | 5 lakh to few crore |
| Renewal Age | Up to 65 years | Some up to 75 years |
| Documentation | Passport, Visa, ECR | ID proof, address |
| Family Cover | Spouse, 2 children | More choices tend to exist |
No Claim Bonus (NCB) is not a direct part of PBBY but the continuous renewal can cause other incentives or discount offers as per the latest guidelines of Oriental Health.
Did you know? The other group employers are able to negotiate loyalty discounts on bulk renewals in 2025 which further lowers the per-policy premiums.
Yes, new born children can be added within the permitted days of birth. Two children and spouses are normally covered but call Oriental Insurance to know the most current add-on or extension options.
Professional Opinion: Since the active policyholders will be more than 15 lakh in 2025, customer support at PBBY has expanded its Hindi and regional language services to enable policy management.
The sum insured is usually Rs 5 lakh hospitalisation and Rs 10 lakh personal accident with optional add-ons.
Yes, as long as your employment status and documentation is up to date, you can renew the policy.
Visit a network hospital, show your e-card/policy details and the claim would be settled at the spot by the hospital with TPA of Oriental.
Maternity cover is available with policy terms and conditions and usually with a small initial waiting period.
They are covered after the waiting period that is usually two years on majority conditions as per 2025 policy version.
Yes, the Oriental Insurance has branches and authorised agents who continue to offer offline policy purchase and renewal.
Such policy is valid throughout its tenure and you will continue to get coverage in terms of original policy in case of hospitalisation and accident in India.
In order to be certain of the accuracy of information and to obtain the latest policy wording, one must always visit the Oriental Insurance Homepage (nofollow), compare health insurance policies across the different insurers through government or regulator-approved online marketplaces and consult a trusted advisor about your specific needs.
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Written by Prem Anand, a content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors.
Prem Anand is a seasoned content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors. He has a strong command of industry-specific language and compliance regulations. He specializes in writing insightful blog posts, detailed articles, and content that educates and engages the Indian audience.
The content is prepared by thoroughly researching multiple trustworthy sources such as official websites, financial portals, customer reviews, policy documents and IRDAI guidelines. The goal is to bring accurate and reader-friendly insights.
This content is created to help readers make informed decisions. It aims to simplify complex insurance and finance topics so that you can understand your options clearly and take the right steps with confidence. Every article is written keeping transparency, clarity, and trust in mind.
Based on Google's Helpful Content System, this article emphasizes user value, transparency, and accuracy. It incorporates principles of E-E-A-T (Experience, Expertise, Authoritativeness, Trustworthiness).
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