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Individual Mediclaim Policy
Oriental Individual Mediclaim by Oriental Health Insurance is an affordable health insurance policy designed to cover all your medical expe…
- Family discount
- Voluntary co-payment
- Daily hospital cash
Oriental Health Insurance
Oriental Health Insurance
Oriental Health Insurance, a trusted public sector insurer since 1947, offers a wide range of health plans designed to ...Read More
4,000+
Cashless hospitals
91.62%
Claim settlement
2 Crores
Max sum insured
5
Active plans
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,700 reviews
🏥 4,000+ hospitals
📊 -1.03x solvency ratio
✅ 91.62% claim settlement
What you get with Oriental Health Insurance
The headline features and policy mechanics, at a glance.
Sum insured up to 2 Crores
Coverage scales from entry-level individual plans to high-end family-floater protection.
4,000+ cashless hospitals
Direct billing at network hospitals across 1,000 presence — no out-of-pocket payment at admission.
91.62% claim settlement
Industry-leading approval rate on eligible claims received in the most recent fiscal year.
-1.03x solvency ratio
Well above IRDAI's 1.5× floor — strong indicator of long-term claim-paying ability.
5 active plans
Choose from individual, family floater and senior-citizen variants to match your household.
About Oriental Health Insurance
A quick overview of the insurer — parent group, brand history, and where they sit in the Indian health-insurance market.
About Oriental Health Insurance
The Oriental Insurance Company was formed in 1947 and was a subsidiary of Life Insurance Corporation of India until 1973. In 2003, its holding was transferred to the central government of India, and it began operating as a public sector insurance company.
Oriental Health Insurance policies offer financial assistance for medical emergencies, including hospitalization costs, health check-ups, and critical illnesses. Besides health insurance, the company also provides other insurance products such as travel, motor, home, and personal accident insurance.
Oriental Health Insurance has been recognized as the Best General Insurance - Public in the CNBC TV18 Best Bank and Financial Institution Award. With a comprehensive range of plans, the company offers a much-needed financial cushion during medical emergencies, covering a wide range of medical expenditures incurred due to illness, sickness, disease, or accident to the insured.
Key Highlights:
- 4000+ Network Hospitals
- 3,220,573 Claims Settled
- 91.62% Claims Settlement Ratio
- Sum Insured: Up to ₹2 Crore
- 24x7 Customer Support
Features that set Oriental Health Insurance apart:
- Customer-friendly approach for a versatile health insurance experience
- A comprehensive wellness system to promote a healthy lifestyle
- Over 76 years of service to the nation
- 24/7 Customer service available
- Operations in 3 overseas locations
Choose Oriental Health Insurance Coverage of Your Choice
Select a sum insured option below to compare health plans matching your coverage need.
Video reviews
Walkthroughs from the PolicyX team — pros, cons, real claim experiences, and a recommendation on who should buy.
Oriental Health Insurance
This video talks about Oriental Health Insurance in detail. It talks about the Solvency Ratio, and Claim Support Ratio which helps an individual to analyze the Claim settling ability of the Insurer.
All 5 Oriental Health Insurance plans
Every plan currently being sold by Oriental Health Insurance, shown side-by-side so you can shortlist quickly.
PNB Oriental Royal Mediclaim Insurance Policy
The PNB Oriental Royal Mediclaim policy, introduced by Oriental Health Insurance, provides comprehensive coverage to account holders of Pun…
- Covers family
- High sum insured
- Ambulance cover
Oriental Happy Family Floater Policy
Oriental Family Floater Policy offers versatile coverage options to its policyholders. Oriental Health Insurance designed the plan to align…
- Domiciliary hospitalization
- Pre and post-hospitalization
- Newborn baby expenses
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 organs. Su…
- Accidental death
- Injury
- Permanent total disability
Oriental Bank Saathi Policy
The Bank Saathi Policy of Oriental Insurance is a group health insurance plan designed to provide indemnity to insured individuals and thei…
- Maternity & newborn cover
- Medical second opinion
- Mental illness cover
Quick comparison
Side-by-side across the 3 most-bought Oriental Health Insurance plans on PolicyX.
| Feature | Individual Mediclaim Policy | PNB Oriental Royal Mediclaim Insurance Policy | Oriental Happy Family Floater Policy |
|---|---|---|---|
| Plan type | Individual | Individual and Family Health Insurance | Individual and Family Health Insurance |
| Sum insured | 1 L, 2 L, 3 L, 4 L, 5 L, 10 L, … | 1 Lakh, 2 Lakh, 3 Lakh, 4 Lakh,… | 1 L, 2 L, 3 L, 4 L, 5 L, 15 L, … |
| Entry age | 18 to 65 Years | 18 to 79 Years | 18 to 65 Years |
| Top benefits | Family discount · Voluntary co-payment | Covers family · High sum insured | Domiciliary hospitalization · Pre and post-hospitalization |
What's covered — and what's not
The standard inclusions and exclusions across Oriental Health Insurance plans. Specific plans may add benefits — always check the policy wording before purchase.
✓ Inclusions
- 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.
- 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.
- Oriental health insurance plans cover your hospital expenses like room rent, ICU charges, surgery expenses, doctor consultations, and other such expenses.
- 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.
- 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.
✗ Exclusions
- Oriental health policies will not cover injuries or hospitalization caused by self-harm.
- Oriental Health Insurance plans do not cover any kinds of cosmetic surgeries or treatments.
- Oriental Health Insurance plans will not cover you for hospitalizations or accidents caused due to adventure sports.
- Oriental Health Insurance plans mostly do not cover treatments related to obesity and weight management such as bariatric surgeries.
- Oriental health insurance company plans do not cover individuals or families for hospitalization or injuries caused due to unlawful activities.
Documents required
For policy purchase and claim submission. Have these ready before you start.
- 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
Waiting periods
When specific benefits become claimable after policy start.
What Are The Different Waiting Periods In Oriental Health Insurance Plans?
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 pre-existing diseases (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.
Buy, claim, renew, port — step-by-step
Step-by-step guides for the four moments that matter most in your policy lifecycle. Click a tab to switch.
If you are looking forward to purchasing Oriental Health insurance online, follow these simple steps:
- 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 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.
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 "Services".
- Step 2
Now select "Claim registration" and log in with your mobile number.
- Step 3
Select the "claim type", whether you want to opt for a cashless claim or reimbursement. Click on "authorize" and you will receive an 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 required documents 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.
Follow these 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.
Frequently asked questions
The 14 most-asked questions about Oriental Health Insurance, answered.
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.
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.
Yes, pre-existing diseases are covered after three consecutive policy periods.
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.
The cost of the organ and acquisition of the organ is not covered under Oriental Health Insurance.
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.
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.
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.
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.
Yes. as per Section 80D of the Income Tax Act, you are eligible to avail a tax exemption under Oriental Health Insurance policies.
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.
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.
No, the company does not offer any maternity specific health plan, however, it offer several plan wherein one can avail the coverage against maternity.
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
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Customer satisfaction
Aggregate ratings from 2,700 verified PolicyX customers who bought a Oriental Health Insurance plan.
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PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.
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