Oriental Health vs Apollo Munich Health Insurance 2026

Overview

Oriental Health Insurance, a trusted public sector insurer since 1947, offers a wide range of health plans designed to provide financial security during medical emergencies. With over 4000 network hospitals, a 91.62% claim settlement ratio, and 24/7 customer support, Oriental ensures comprehensive and affordable coverage. Protect yourself and your family with plans offering sum insured up to ₹2 Crore.

COMPANY DETAILS

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Oriental Health

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Apollo Munich

Number of health insurance plans	No. of Plans 5 ❯	No. of Plans - ❯
Sum insured	Sum Insured Up to ₹ 2 Crores	Sum Insured Up to ₹ 75L
Claim ratio	Claim Ratio 91.62%	Claim Ratio 98.59%
Network hospitals	Network Hospital 4000+	Network Hospital 12000+
Solvency Ratio	Solvency Ratio -1.03	Solvency Ratio 1.75
Pan India Presence	Pan India Presence 1,000	Pan India Presence 200
Claim Form	Claim Form Available	Claim Form Available
Annual premium (company level)	Annual premium (company level) 9,994.44 Crore	Annual premium (company level) -
Years in operation	Years in operation 1947	Years in operation -
24×7 claim support	24×7 claim support Yes	24×7 claim support No
IRDAI registration number	IRDAI registration number 556	IRDAI registration number -
Claims settled within 3 months	Claims settled within 3 months 90.18	Claims settled within 3 months -
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Finding a reliable insurance company is as critical as purchasing suitable medical insurance plans to avail of all the expected benefits of the policy. Here are the 28 most trusted health insurance providers in India.

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Oriental Health Insurance

Oriental Bank Saathi Policy

The Bank Saathi Policy of Oriental Insurance is a group health insurance plan designed to provide indemnity to insured individuals...

2 Plan Variants
Newborn Baby Cover
Modern Treatment

Maternity & newborn cover
Medical second opinion
Mental illness cover

Illegal activities
Alcoholism
Adventure sports

Tax benefits
AYUSH treatment
Modern treatments

Min entry age: 18 Years
Max entry age: 65 Years
Initial Waiting Period: 30 Days
Sum Insured: Up to 25 L

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Accident Health Insurance

Oriental Personal Accident Policy

The human body is mortal, and we cannot always avoid accidents that could lead to loss of life or body parts like limbs or major o...

Covers you globally
Optional medical cover
Accidental loss compensation

Accidental death
Injury
Permanent total disability

Obesity
Illegal activities
Cosmetic Procedures

Permanent partial disability
Temporary total disability
Worldwide accidental cover

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Individual and Family Health Insurance

Oriental Happy Family Floater Policy

Oriental Family Floater Policy offers versatile coverage options to its policyholders. Oriental Health Insurance designed the plan...

International Cover
Multiple Discount Benefits
E-Consultation Available

Domiciliary hospitalization
Pre and post-hospitalization
Newborn baby expenses

Illegal activities
Alcoholism and drug abuse
Obesity

Tele consultation
Telemedicine
Accidental death benefit

Min entry age: 18 Years
Max entry age: 65 Years
Initial waiting period: 30 days
Sum Insured: Up to 50 Lakhs

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Individual and Family Health Insurance

PNB Oriental Royal Mediclaim Insurance Policy

The PNB Oriental Royal Mediclaim policy, introduced by Oriental Health Insurance, provides comprehensive coverage to account holde...

Individual and Family Floater
AYUSH Cover
Check the Eligibility Criteria

Covers family
High sum insured
Ambulance cover

Illegal activities
Alcoholism and drug abuse
Obesity

Pre and post-hospitalization
Multiple variants
Daily hospital cash

Min entry age: 18 years
Max entry age: 79 years
Initial waiting period: 30 days
Sum insured: Up to 10 Lakh

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Individual

Individual Mediclaim Policy

Oriental Individual Mediclaim by Oriental Health Insurance is an affordable health insurance policy designed to cover all your med...

AYUSH Benefits Covered
Inclusions and Exclusions
Lifetime Renewability

Family discount
Voluntary co-payment
Daily hospital cash

Alcoholism and drug abuse
Obesity
Cosmetic procedures

Personal accident cover
Medical second opinion
Multiple SI options

Min entry age: 18 years
Max entry age: 65 years
Initial Waiting Period: 30 days
Sum Insured: Up to 50 Lakhs

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Compare with Other Insurers

New India Health United India Future Generali Cholamandalam Ms Kotak Mahindra Acko Health Navi Health Digit Health Universal Sompo Tata Aig Bajaj General Star Health Shriram Health Insurance Company Apollo Munich Icici Lombard Iffco Tokio National Health Reliance Health Royal Sundaram Hdfc Ergo Sbi Health Niva Bupa Health Care Health Manipal Cigna Aditya Birla Edelweiss Health Insurance Liberty Health Magma Health Raheja Qbe Galaxy Health Narayana Health Insurance Niva Bupa

New India Health United India Future Generali Cholamandalam Ms Kotak Mahindra Oriental Health Acko Health Navi Health Digit Health Universal Sompo Tata Aig Bajaj General Star Health Shriram Health Insurance Company Icici Lombard Iffco Tokio National Health Reliance Health Royal Sundaram Hdfc Ergo Sbi Health Niva Bupa Health Care Health Manipal Cigna Aditya Birla Edelweiss Health Insurance Liberty Health Magma Health Raheja Qbe Galaxy Health Narayana Health Insurance Niva Bupa

Expert Reviewed

Reviewed By: Raj Kumar

With over 12 years of rich experience in the BFSI domain, with a specialisation in Life and Health Insurance, I have played a pivotal role in simplifying the insurance-buying process and delivering unparalleled service.

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