Cancellation terms for OroGlee Joy/ Delight Plans

These plans include an insurance component.

The "Non-insurance services" under these plans are "Consultation with necessary IOPA XRays", "Scaling - in the case of Delight Plan only" and "15% discount on treatments"

Free Look Provision

The Free Look Period shall be applicable for new plans and not on renewals or at the time of porting/migrating the linked insurance policy.

The plan holder shall be allowed a free look provision of fifteen days from the date the Policy document and Plan membership card have been made available on the OroGlee website to review the terms and conditions of the Policy and the Plan, and to return the same if not acceptable.

If the plan holder has not made any insurance claim during the Free Look Period and has also not consumed any "Non-insurance service", the plan holder shall be entitled to a refund of the Plan fees paid less Rs 100.

If the plan holder has made any insurance claim during the Free Look Period then the plan holder will not be eligible for any refund

If the plan holder has not made any insurance claim during the Free Look Period, however the plan holder has availed any "Non insurance service" under the plan then the plan holder will be eligible for the refund of the insurance premium amount only

The plan holder may cancel the plan during the Free Look Period by sending a cancellation request to support@oroglee.com using his/ her registered email id on the OroGlee website

Any cashback provided by OroGlee and utilised by the plan holder will be deducted from the refund amount.

Cancellation/ Termination (other than Free Look cancellation)

  1. If the plan holder has not made any insurance claim and has also not consumed any "Non-insurance service", the plan holder shall be entitled to a refund of the Plan fees in accordance with the table below less Rs 100.
  2. If the plan holder has made at least one insurance claim then the plan holder will not be eligible for any refund
  3. If the plan holder has not made any insurance claim, however the plan holder has availed any "Non insurance service" under the plan then the plan holder will be eligible for the refund of the insurance premium amount only in accordance with the table below
  4. Any cashback provided by OroGlee and utilised by the plan holder will be deducted from the refund amount.

Cancellation refund grid:

Covered up to Days Refund of Premium/ Plan fees
7 Up to 90.00%
30 Up to 75.00%
60 Up to 65.00%
90 Up to 50.00%
120 Up to 40.00%
180 Up to 25.00%
240 Up to 15.00%
Exceeding 240 Nil

Fraud with respect to insurance claim

If any insurance claim made by the insured person, is in any respect fraudulent, or if any false statement, or declaration is made or used in support thereof, or if any fraudulent means or devices are used by the Insured Person or anyone acting on his/her behalf to obtain any Benefit under the linked Policy, all benefits under the linked Policy and the premium paid shall be forfeited.

Any amount already paid against claims made under the linked Policy but which are found fraudulent later shall be repaid by all recipient(s)/ policyholder(s), who has made that particular claim, who shall be jointly and severally liable for such repayment to the Insurer.

For the purpose of this clause, the expression "fraud" means any of the following acts committed by the Insured person or by his agent, or the hospltal/doctor/dental clinic/any other party acting on behalf of the Insured person with intent to deceive the insurer or to induce the insurer to issue an insurance policy:

  1. the suggestion, as a fact of that which is not true and which the insured person does not believe to be true;
  2. the active concealment of a fact by the Insured person having knowledge or belief of the fact;
  3. any other act fitted to deceive; and
  4. any such act or omission as the law specially declares to be fraudulent

The Insurer shall not repudiate the claim and/or forfeit the linked Policy benefits, on the ground of fraud, if the Insured person / beneficiary can prove that the misstatement was true to the best of his/ her knowledge and there was no deliberate intention to suppress the fact or that such mis-statement of or suppression of material fact are within the knowledge of the insurer.

Cancellation terms for OroGlee Smile Plan

This is a preventive plan and does not include any insurance component.

Once the plan has been purchased this plan cannot be cancelled and no refund will be provided.