Buy Oriental Health Insurance | Compare & Get Online Discounts

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Updated on Jun 11, 2025 8 min read

About Oriental Health Insurance

The Oriental Insurance Company was formed in 1947 and was a subsidiary of Life Insurance Corporation of India till 1973. In 2003, the holding of Oriental Insurance was handed over to the central government of India, and from then onwards, it started working as a public sector insurance company.

Oriental health insurance policies promise to offer financial assistance against medical emergencies, including hospitalization costs, health checkups, critical illness, etc. Apart from health insurance, the company deals in other types of insurance products including travel, motor, home, personal accident, and many more.

Oriental Health Insurance has been recognized as Best General Insurance- Public in the CNBC TV18 Best Bank and Financial Institution Award. With a comprehensive range of Oriental Health Insurance plans, the company offers a much-needed financial cushion in the event of a medical emergency and covers a wide range of medical expenditures incurred due to illness, sickness, disease, or accident to the insured.

4000+

Network
Hospitals

3,220,573

Claims
Settled

91.62%

Claims Settlement
Ratio

UP TO 2 Cr

Sum
Insured

24X7

Customer
Support

What are some of the
Features
that set them apart?

1

Customer-friendly approach for a versatile health insurance experience
2

A comprehensive wellness system to promote a healthy lifestyle
3

76+ years in service of the nation
4

24/7 Customer service available
5

3 Overseas operations

Oriental Health Insurance Detailed Review

Why Do We Exist?

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Best Selling Oriental Health Insurance Plans

Let's take a look at the list of health insurance plans that offer comprehensive protection to you and your family

Individual

Oriental Health Insurance Plans	Eligibility	Approximate Annual Premiums
Individual Mediclaim Policy	Entry Age - Sum Insured - Up to 0	Rs.

Individual and Family Health Insurance

Oriental Health Insurance Plans	Eligibility	Approximate Annual Premiums
PNB Oriental Royal Mediclaim Insurance Policy	Entry Age - Sum Insured - Up to 0	Rs.
Oriental Happy Family Floater Policy	Entry Age - Sum Insured - Up to 0	Rs.

Accident Health Insurance

Oriental Health Insurance Plans	Eligibility	Approximate Annual Premiums
Oriental Personal Accident Policy	Entry Age - Sum Insured - Up to 0	Rs.

Group Health Insurance

Oriental Health Insurance Plans	Eligibility	Approximate Annual Premiums
Oriental Bank Saathi Policy	Entry Age - Sum Insured - Up to 0	Rs.

Key Features Of Oriental Health Insurance

Let us take a look at some unique features of top-selling Oriental Health Insurance policies:

For Individual

Individual Mediclaim Policy

Individual Mediclaim Policy

designed to take care of all your medical expenses related to the Hospitalization/Domiciliary hospitalization of the policyholder in the following conditions

Why Do We Recommend This?

Sudden illnesses
Accidents
Surgery to treat any disease that arises during the policy period

For Individual and Family Health Insurance

PNB Oriental Royal Mediclaim Insurance Policy
Oriental Happy Family Floater Policy

PNB Oriental Royal Mediclaim Insurance Policy

This plan offers comprehensive healthcare benefits to account holders of the Punjab National Bank. It is available on an individual and family floater basis under which you can cover your family members including spouse and dependent children.

Why Do We Recommend This?

High SI available up to 10 L
Policy term of 1 year
3 plan types available

For Accident Health Insurance

Oriental Personal Accident Policy

Oriental Personal Accident Policy

Oriental Insurance’s personal accident policy offers compensation against such critical conditions caused by an accident, violence, or external factors.

Why Do We Recommend This?

Covers accidental death
Injury
Permanent total disability

For Group Health Insurance

Oriental Bank Saathi Policy

Oriental Bank Saathi Policy

Oriental Insurance Bank Saathi Policy is a group policy designed to provide indemnity to insured individuals and their family members. It is a group health insurance policy that covers various medical care expenses.

Why Do We Recommend This?

Two plan variants
Medical Second Opinion
Tax Benefits

Explore other Oriental Health Insurance

To cater to the different medical needs of an individual & their family, Oriental Health Insurance offers several Health Plans ranging from senior citizen plans to specialized plans for autistic children, to health insurance for cardiac patients, and many more. Take a look below to Oriental Health Insurance plans explore more:

Individual

Individual Mediclaim Policy

Oriental Individual Mediclaim by Oriental Health Insurance is an affordable health insurance policy that is designed to take care of all your medical ...

Unique Features

AYUSH Benefits Covered
Inclusions and Exclusions
Lifetime Renewability

Individual Mediclaim Policy (Pros)

Family discount
Voluntary co-payment
Daily hospital cash

Individual Mediclaim Policy (Cons)

Alcoholism and drug abuse
Obesity
Cosmetic procedures

Individual Mediclaim Policy (Other Benefits)

Personal accident cover
Medical second opinion
Multiple SI options

Individual Mediclaim Policy (Eligibility Criteria)

Min entry age: 18 Years
Max entry age: 65 Years
Initial Waiting Period: 30 Days
Sum Insured: Up to 50 L

Individual and Family Health Insurance

PNB Oriental Royal Mediclaim Insurance Policy

PNB Oriental Royal Mediclaim policy introduced by Oriental Health Insurance provides comprehensive coverage to the account holders of Punjab National ...

Unique Features

Individual and Family Floater
AYUSH Cover
Check the Eligibility Criteria

PNB Oriental Royal Mediclaim Insurance Policy (Pros)

Covers family
High sum insured
Ambulance cover

PNB Oriental Royal Mediclaim Insurance Policy (Cons)

Illegal activities
Alcoholism and drug abuse
Obesity

PNB Oriental Royal Mediclaim Insurance Policy (Other Benefits)

Pre and post-hospitalization
Multiple variants
Daily hospital cash

PNB Oriental Royal Mediclaim Insurance Policy (Eligibility Criteria)

Min entry age: 18 Years
Max entry age: 79 Years
Initial waiting period: 30 Days
Sum insured: Up to 10 L

Individual and Family Health Insurance

Oriental Happy Family Floater Policy

Oriental Family Floater Policy offers versatile coverage options to their policyholders. Oriental Health Insurance designed the plan to align with dif...

Unique Features

International Cover
Multiple Discount Benefits
E-Consultation Available

Oriental Happy Family Floater Policy (Pros)

Domiciliary hospitalization
Pre and post-hospitalization
Newborn baby expenses

Oriental Happy Family Floater Policy (Cons)

Illegal activities
Alcoholism and drug abuse
Obesity

Oriental Happy Family Floater Policy (Other Benefits)

Tele consultation
Telemedicine
Accidental death benefit

Oriental Happy Family Floater Policy (Eligibility Criteria)

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

Accident Health Insurance

Oriental Personal Accident Policy

The human body is mortal such that we all can not avoid an accident that could lead us to lose our lives or any part of the body like limbs, or major ...

Unique Features

Covers you globally
Optional medical cover
Accidental loss compensation

Oriental Personal Accident Policy (Pros)

Accidental death
Injury
Permanent total disability

Oriental Personal Accident Policy (Cons)

Obesity
Illegal activities
Cosmetic Procedures

Oriental Personal Accident Policy (Other Benefits)

Permanent partial disability
Temporary total disability
Worldwide accidental cover

Oriental Personal Accident Policy (Eligibility Criteria)

Group Health Insurance

Oriental Bank Saathi Policy

Oriental Health Insurance Bank Saathi Policy, a group policy by Oriental Insurance Company, is designed to provide indemnity to insured individuals an...

Unique Features

2 Plan Variants
Newborn Baby Cover
Modern Treatment

Oriental Bank Saathi Policy (Pros)

Maternity & newborn cover
Medical second opinion
Mental illness cover

Oriental Bank Saathi Policy (Cons)

Illegal activities
Alcoholism
Adventure sports

Oriental Bank Saathi Policy (Other Benefits)

Tax benefits
AYUSH treatment
Modern treatments

Oriental Bank Saathi Policy (Eligibility Criteria)

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

Why Choose Oriental Health Insurance?

Versatile and affordable health insurance plans for every need
24X7 customer support for easy claim settlement
Over 4000 network hospitals all over India
Offers comprehensive coverage at affordable premiums
Tax benefits under Section 80D of the Income Tax Act

What is Covered?

Pre and Post Hospitalization Expenses

Oriental Health Insurance understands the impact of rising medical expenses, thus they have made sure that their insurance products contain pre and post-hospitalization expenses related to in-patient hospitalization.

AYUSH Treatments

Most Oriental Health Insurance plans have in-built alternative treatment covers that you can utilize to your benefit. AYUSH treatments include Ayurveda, Unani, Siddha, and Homeopathy treatments.

Hospitalization Expenses

Oriental health insurance plans cover your hospital expenses like room rent, ICU charges, surgery expenses, doctor consultations, and other such expenses.

Day Care Treatments

Multiple procedures do not require a 24-hour hospitalization. With this in mind, a majority of the Oriental health insurance plans are designed to cover daycare procedures for policyholders.

Domiciliary Hospitalization

On a doctor’s recommendation, a policyholder can avail of medical care in the comfort of their home. Oriental health insurance plans cover domiciliary hospitalization up to specified sub-limits.

What is not Covered?

Self Inflicted Injuries

Oriental health policies will not cover injuries or hospitalization caused by self-harm.

Cosmetic Procedures

Oriental Health Insurance plans do not cover any kinds of cosmetic surgeries or treatments.

Adventure Sports

Oriental Health Insurance plans will not cover you for hospitalizations, or accidents caused due to adventure sports.

Obesity or Weight Control Treatments

Oriental Health Insurance plans mostly do not cover treatments related to obesity and weight management such as bariatric surgeries.

Involvement In Illegal Activities

Oriental health insurance company plans do not cover individuals or families for hospitalization or injuries caused due to unlawful activities.

What Are The Different Waiting Periods In Oriental Health Insurance Plans?

The various waiting periods associated with Oriental Health plans are:

Initial Waiting Period

Begins from the date of purchase and lasts for up to 30 days for most Oriental Health Insurance plans.

Pre-existing Disease Waiting Period

Oriental Health Insurance plans require you to serve specific waiting periods in case you are diagnosed with PEDs such as hypertension, diabetes, or any other.

Survival Period

Like waiting periods, Oriental health insurance plans with critical illness coverage have a survival period. During this period policyholders diagnosed with any listed critical illness must outlive the survival period to enjoy coverage benefits.

Oriental Health Insurance Plans Buying Process

If you are looking forward to purchasing Oriental Health insurance online follow the simple steps below:

Step 1
Visit the PolicyX health insurance page, and enter your details such as name, age, number of members to be covered, and city.
Step 2
Click on 'Get free quotes' and compare Oriental Health Insurance Plans as per your needs.
Step 3
Select and pay premiums online for the purchased Oriental health insurance plan of your choice.
Step 4
Our team of insurance experts at PolicyX will provide you with all the assistance required regarding claims and other queries post-purchase of your Oriental Health Insurance plan.

Oriental Health Insurance Renewal Process

Follow the steps for Oriental Health Insurance policy renewal

Step 1
Visit the official website of Oriental Health Insurance Company
Step 2
Click on the ‘ Quick Renewal’ tab
Step 3
Mention your ‘Policy Number’ and ‘Date Of Birth’

Connect with our insurance experts for Oriental health insurance policy renewal at 1800 - 4200 - 269

Oriental Health Insurance Plan Claim Process Steps

You can file for cashless as well as reimbursement claims for your Oriental Health Insurance Plans by following these easy steps:

Step 1
Visit the website of Oriental Health Insurance, and select the "Claim" option. Then click on the "Services".
Step 2
Now select "Claim registration" and log in with your mobile number.
Step 3
Now select the "claim type", whether you want to opt for a cashless claim or reimbursement. Click on the authorize and you will receive the OTP on the verified number.
Step 4
Get verified with the OTP and fill in the required hospital admission information, select the hospital, and fill in the hospital details in case of a non-network hospital.
Step 5
Upload the documents asked and click on the "review" button.
Step 6
After clicking on the review button you need to submit the intimation for the company to review. You will receive a claim intimation number which you need to note down for future purposes.

Documents Required For Oriental Health Policy Claim Settlement

Submit the following documents when filing for Oriental health claims:

Duly completed and signed claim form, in original
Valid photo-ID proof
Medical practitioner's referral letter and prescription
Original bills, receipts, and discharge cards from the hospital/medical practitioner
Original bills from pharmacy/chemists
Original pathological/diagnostic tests reports/radiology reports and payment receipts
Indoor case papers
First Information Report, final police report, if applicable
Post-mortem report, if conducted
Any other document as required by the company to assess the claim

Health Insurance Premium Calculator

PolicyX.com premium calculator offers premium comparison for some of the best health plans in India. You can input your details and check out some of the most suitable health insurance policies for your specific requirements. This is the easiest, most efficient, spam and gimmick-free way to buy health insurance today.

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More Queries?

If you have any more queries regarding Plans, Renewals, or Claim Procedures, contact our insurance experts at:
1800-4200-269 now!

Explore Oriental Health Insurance

Oriental Health Insurance: FAQs

1. What is the free look period under Oriental Health Insurance?

The company provides a free-look period of 15 days. During this period, the policyholder is free to cancel the policy if he/she does not agree with any of the clauses under the policy.

2. What are the benefits of having a health card issued by the Oriental Company?

The health card is primarily for cashless hospitalization. The insured person or accompanying member can display the card to the hospital. The hospital will verify with the assigned TPA/company, who will authorize the claim for cashless settlement.

3. Are pre-existing diseases covered under the PNB Oriental Royal Mediclaim Insurance Policy?

Yes, pre-existing diseases are covered after three consecutive policy periods.

4. Are diseases like cataracts, Hernia, Piles, or Sinus covered under the Oriental Individual Mediclaim Policy?

Yes, they are all covered. However, the insured must keep the policy active through timely premium payment and wait one or two years to receive a payout.

5. What expenses are not covered in Oriental health insurance Organ Donor cover?

The cost of the organ and acquisition of the organ is not covered under Oriental Health Insurance.

6. How can I file a claim for my Oriental Health Insurance Policy?

For filing a claim, you need to get in touch with the customer support of Oriental Insurance. They will guide you with the further process.

7. What are the modes of premium payment available under the Oriental Health Insurance Policy?

The premiums for Oriental Insurance Mediclaim Policies can be paid in cash at the branch or via online methods. Online payments can be made using net banking, credit, or debit cards.

8. I want to check the policy status of my Oriental Health Insurance Policy. How can I do that?

Log in to the e-Portal with your registered user ID and password if you are a registered policyholder. You may have all the policy-related details after you’ve logged in.

9. What is the maximum number of claims I can make under the Oriental Mediclaim Policy?

There is no limit on the claims you can make in a policy year. However, keep in mind that the claims made should not exceed the sum insured chosen by you.

10. Will I get any tax exemption for the premiums paid under Oriental Health Insurance Policy?

Yes. as per Section 80D of the Income Tax Act, you are eligible to avail a tax exemption under Oriental Health Insurance policies.

11. Is there any child-specific plan under Oriental Health Insurance?

No, the company does not have any specific health insurance plan for children. However, if you want to cover your child, you can cover them in family floater plans.

12. What will happen to my health insurance if I forget to pay my health insurance premiums?

In case you forget to pay your heath insurance premiums on time, the company will offer a grace period wherein you can pay your outstanding premiums.

13. Is there any maternity-specific health plan under Oriental Health Insurance Company?

No, the company does not offer any maternity specific health plan, however, it offer several plan wherein one can avail the coverage against maternity.

14. Where can I register my grievance under the Oriental Health Insurance company?

The company offers a seperate grievance redrealla team that can be contacted via:Grievance Nodal Officers at Head Office and Regional Offices- Smt. Anita Sharma , Chief Manager, Customer Service Department 4th Floor, Aggarwal House Asaf Ali Road, New Delhi-110002. Email: csd@orientalinsurance.co.in

Other Health Insurance Companies

Compare mediclaim policies with other top insurers in India.

Oriental Health Insurance

About Oriental Health Insurance

Oriental Health Insurance Detailed Review

Why Do We Exist?

Compare

Compare

Best Selling Oriental Health Insurance Plans

Individual

Individual and Family Health Insurance

Accident Health Insurance

Group Health Insurance

Key Features Of Oriental Health Insurance

For Individual

Why Do We Recommend This?

For Individual and Family Health Insurance

Why Do We Recommend This?

Why Do We Recommend This?

For Accident Health Insurance

Why Do We Recommend This?

For Group Health Insurance

Why Do We Recommend This?

Explore other Oriental Health Insurance

Individual Mediclaim Policy (Pros)

Individual Mediclaim Policy (Cons)

Individual Mediclaim Policy (Other Benefits)

Individual Mediclaim Policy (Eligibility Criteria)

PNB Oriental Royal Mediclaim Insurance Policy (Pros)

PNB Oriental Royal Mediclaim Insurance Policy (Cons)

PNB Oriental Royal Mediclaim Insurance Policy (Other Benefits)

PNB Oriental Royal Mediclaim Insurance Policy (Eligibility Criteria)

Oriental Happy Family Floater Policy (Pros)

Oriental Happy Family Floater Policy (Cons)

Oriental Happy Family Floater Policy (Other Benefits)

Oriental Happy Family Floater Policy (Eligibility Criteria)

Oriental Personal Accident Policy (Pros)

Oriental Personal Accident Policy (Cons)

Oriental Personal Accident Policy (Other Benefits)

Oriental Personal Accident Policy (Eligibility Criteria)

Oriental Bank Saathi Policy (Pros)

Oriental Bank Saathi Policy (Cons)

Oriental Bank Saathi Policy (Other Benefits)

Oriental Bank Saathi Policy (Eligibility Criteria)

Recommended Videos

Why Choose Oriental Health Insurance?

What is Covered?

Pre and Post Hospitalization Expenses

AYUSH Treatments

Hospitalization Expenses

Day Care Treatments

Domiciliary Hospitalization

What is not Covered?

Self Inflicted Injuries

Cosmetic Procedures

Adventure Sports

Obesity or Weight Control Treatments

Involvement In Illegal Activities

What Are The Different Waiting Periods In Oriental Health Insurance Plans?

Initial Waiting Period

Pre-existing Disease Waiting Period

Survival Period

Oriental Health Insurance Plans Buying Process

Oriental Health Insurance Renewal Process

Oriental Health Insurance Plan Claim Process Steps

Documents Required For Oriental Health Policy Claim Settlement

Health Insurance Premium Calculator

More Queries?

Explore Oriental Health Insurance

Oriental Health Insurance: FAQs

1. What is the free look period under Oriental Health Insurance?

2. What are the benefits of having a health card issued by the Oriental Company?

3. Are pre-existing diseases covered under the PNB Oriental Royal Mediclaim Insurance Policy?

4. Are diseases like cataracts, Hernia, Piles, or Sinus covered under the Oriental Individual Mediclaim Policy?

5. What expenses are not covered in Oriental health insurance Organ Donor cover?

6. How can I file a claim for my Oriental Health Insurance Policy?

7. What are the modes of premium payment available under the Oriental Health Insurance Policy?

8. I want to check the policy status of my Oriental Health Insurance Policy. How can I do that?

9. What is the maximum number of claims I can make under the Oriental Mediclaim Policy?

10. Will I get any tax exemption for the premiums paid under Oriental Health Insurance Policy?

11. Is there any child-specific plan under Oriental Health Insurance?

12. What will happen to my health insurance if I forget to pay my health insurance premiums?