In an era where healthcare costs are continually on the rise ...Read More
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Simran is an insurance expert with more than 4 years of experience in the industry. An expert with previous experience in BFSI, Ed-tech, and insurance, she proactively helps her readers stay on par with all the latest Insurance industry developments.
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Updated on Dec 08, 2025 3 min read
Securing Your Health: Oriental Mediclaim Insurance
In an era where healthcare costs are continually on the rise, having a robust health insurance plan is no longer a luxury but a necessity. One of the oldest health insurance providers in India, Oriental Health Insurance, offers a vast product portfolio. Among the various providers in India, Oriental Insurance stands out as a well-established name, offering comprehensive mediclaim policies designed to provide financial security during medical emergencies. Let’s delve into the multiple benefits of opting for Oriental Mediclaim Insurance.
Oriental Health Plans
Let us take a look at various Oriental Health Plans
| Oriental Health Plans | Sum Insured | Eligibility |
| Oriental Mediclaim Insurance | 1 to 10 L | 18 to 65 Years |
| Oriental Happy Family Floater | 1 to 50 L | 91 Days to 65 Years |
| Oriental Arogya Sanjeevani | 1 to 20 L | 18 to 65 Years |
| Oriental Youth Eco Care | 3 L to 1 Crore | 18 to 45 Years |
| Oriental Health Of Privileged Elders | 1 L to 5 L | 18 Years to NA |
Oriental Health Insurance Mediclaim Inclusions
Let us take a look at the various inclusions of Oriental Mediclaim:
- In-patient Hospitalisation
- Pre and Post-hospitalisation Expenses
- Daycare Procedures
- Domiciliary Hospitalisation
- Organ Donor Expenses
- Ambulance Charges
- AYUSH Treatments
- Daily Hospital Cash Allowance
Oriental Health Insurance Mediclaim Exclusions
Let us take a look at the various exclusions of Oriental Mediclaim:
- Injuries and accidents caused due to illegal activities
- Cosmetic surgeries
- Obesity treatments
- Injuries and accidents due to intoxication
- Nuclear attack, war, etc
- Self-harm
Oriental Mediclaim Insurance Benefits
Beyond comprehensive coverage, Oriental Mediclaim policies come with several features that enhance their appeal:
Lifelong Renewability:
A significant advantage, this feature ensures that your policy can be renewed throughout your lifetime, providing continuous coverage as you age and medical needs potentially increase.Cashless Hospitalisation:
Oriental Insurance has a wide network of 4,500+ empanelled hospitals across India. This cashless facility allows you to receive treatment without immediate out-of-pocket payments, as the insurer directly settles bills with the hospital, offering immense convenience during stressful times.Portability Option:
If you are insured with another company, Oriental Mediclaim policies offer portability, allowing you to switch to their plan without losing accumulated waiting period benefits.Family Discount:
For individuals opting to cover multiple family members under a single policy (like a family floater plan), Oriental Insurance often provides attractive family discounts on the total premium.Tax Benefits:
Premiums paid for Oriental Mediclaim policies are eligible for tax deductions under Section 80D of the Income Tax Act, 1961, offering a financial incentive to secure your health.Voluntary Co-payment Option:
For higher sum insured plans, policyholders may have the option to choose a voluntary co-payment, where they agree to bear a small percentage of the claim amount, in exchange for a corresponding discount on the premium.Swift Claim Settlement Process:
Oriental Insurance is generally known for its structured and efficient claim settlement process, offering both cashless and reimbursement options. Their claim settlement ratio is often a positive indicator of their reliability.
How To Calculate Oriental Health Insurance Mediclaim Premiums?
To calculate premiums for Oriental health insurance mediclaim, follow the steps given below.
- Visit PolicyX.com
- Mention your age, name, and number of family members to be covered
- Select the sum insured cover you require
- Select the city you live in
- Select add-ons as per your requirements
- Click on calculate premiums
How To Buy Oriental Mediclaim Insurance?
Buy Oriental mediclaim insurance as per the steps given below.
- Visit the official website of PolicyX
- Select all the necessary details like name, city, number of members, sum insured, etc.
- Click on compare prices
- Buy suitable Oriental Mediclaim Insurance
Waiting Periods Of Oriental Mediclaim Insurance
Oriental Mediclaim plans come with various waiting periods, including:
- Initial waiting period: 30 days
- Specific waiting periods for certain diseases: 1-2 years
- Pre-existing diseases: 4 years
Conclusion
Oriental Mediclaim Insurance provides a robust safety net against unforeseen medical expenditures. With its comprehensive coverage, convenient cashless facility, lifelong renewability, and various other benefits, it empowers individuals, families, and senior citizens to prioritise their health without the added burden of financial stress.
Before making a decision, it is always advisable to thoroughly understand the policy terms and conditions, compare different plans, and choose one that best aligns with your specific healthcare needs and financial goals.
For any insurance-related queries, advice, and assistance, feel free to schedule an appointment with our Insurance Experts.
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Benefits Of Oriental Mediclaim Insurance: FAQs
1. What are the benefits of Oriental mediclaim insurance?
Oriental mediclaim benefits include telemedicine expenses, inpatient hospitalisation, ambulance charges, mental illnesses, domiciliary hospitalisation, and AYUSH treatment.
2. What is the claim settlement ratio of Oriental Mediclaim Insurance?
The claim settlement ratio of Oriental Health Insurance for FY 2023-24 is 65.08%.
3. How to claim Oriental mediclaim insurance?
Download the claim form from Oriental Insurance Company’s website, fill it accurately with details of the treatment and expenses, and submit it along with the required documents.
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Written By: Simran Kaur Vij
Simran is an insurance expert with more than 4 years of experience in the industry. An expert with previous experience in BFSI, Ed-tech, and insurance, she proactively helps her readers stay on par with all the latest Insurance industry developments.
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