Oriental Health Insurance
  • Avail COVID-19 Cover
  • Buy instantly via whatsapp
  • 69 Lakh policies sold
Oriental Health Insurance
Buy Policy in just 2 mins

Buy Policy in just 2 mins

Happy Customers

2 lakh + Happy Customers

Free Comparison

Free Comparison

Customized Health Insurance Plan for you.

Get upto 15% Online Discount*

Select Members You Want To Insure

Age of Eldest Member

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 cover a wide range of medical expenditures incurred due to illness, sickness, disease, or accident to the insured.

Why Choose Oriental Health Insurance Company?

The below-mentioned features will help you to evaluate the company's performance and its highlights in an elaborated manner.

  • Network Hospitals:
    Oriental Health Insurance is equipped with 2500+ network hospitals across India that will ensure you cashless hospitalization. With a cashless treatment facility, all medical bills get settled upon the completion of the treatment or after the discharge, which means you can get yourself treated without paying any money from your pocket.
  • Solvency Ratio:
    The solvency ratio of a company helps determine the ability of a company to meet its financial obligations, such as debts and loans. As per IRDAI Annual Report 2020-21, the solvency ratio of Oriental Health Insurance Company is 1.36. The insurance regulator mandates a solvency ratio of 1.5 for every insurance provider in India.
  • Claim Support (Claims Settled within 3 months):
    The claim support ratio helps determine the claim settling ability of the insurance provider.As per the reports of IRDAI 2020-21, Oriental Health Insurance settles 91.22% of claims within 3 months.
  • Annual Premium:
    Annual Premium determines the business volume that refers to the total number of policies sold by an insurer in a year. As per the IRDAI Annual report 2020-21, the annual premium of Oriental Health Insurance is 12,747.42 Crores.
Future Generali Insurance Key Features

Oriental Health Insurance Plans

To cater to the different needs of the customers, the company has come out with a wide range of health insurance plans. Take a look below.

Individual & Family Health Insurance Plans

Happy Family Floater Policy

A comprehensive policy that is designed to secure the healthcare needs of a family. The plan comes in 4 variants and the SI goes up to 20 lacs.

Unique Features

  • Geographical extension to SAARC countries
  • Midterm inclusion allowed
  • Assisted Reproduction Treatment

A one year policy covering medical expenses following hospitalization, domiciliary and otherwise.The plan offers coverage up to 10 Lakhs.

Unique Features

  • Option of voluntary co-payment
  • Mental Illness coverage
  • No Medical examination required

PNB- Oriental Royal Mediclaim

The policy focuses on securing the health of PNB account holders/employees and their families. The SI goes up to 10 lacs and covers 116 day care procedures.

Unique Features

  • Teleconsultation/Telemedicine covered
  • No Pre-medical check-up
  • Funeral Expenses covered

OBC-Oriental Mediclaim Policy

A medical expenses covering policy for the account holders of Oriental Bank of Commerce (OBC) and covers individuals and family. The SI is up to 10 lacs.

Unique Features

  • Teleconsultation/Telemedicine covered
  • 116 Day Care procedures
  • Coverage for funeral expenses

Oriental Happy Cash-Nischint Rahein

The policy offers Daily Cash Benefit during hospitalization. It also provides a 25% extra daily cash benefit for female policyholders at no additional premium.

Unique Features

  • Convalescence benefits
  • Lifelong renewal
  • Coverage for AYUSH

Oriental Aarogya Sanjeevani Policy

Arogya Sanjeevani is a standard health insurance plan that covers hospitalization expenses and comes with a sum insured of Rs 20 Lacs.

Unique Features

  • All daycare expenses covered
  • Cover parents and parents in law
  • Lifelong renewal with no exit age

Oriental Jan Arogya Policy

It provides health insurance coverage to the financially constrained sections of society at very nominal premiums ranging between Rs. 50 to 70.

Unique Features

  • Avail benefit up to Rs 5k
  • Domiciliary Hospitalization covered
  • In-patient hospitalization covered

Specialized Health Plans

Oriental Pravasi Bharatiya Bima Yojana

The policy safeguards the Indian emigrant workers who intend to emigrate or have done so. The policy provides a Sum Insured of 10 lacs.

Unique Features

  • Cover against HIV/AIDS
  • Maternity benefit to female insured emigrants
  • Coverage against Personal Accident

Oriental Super Health Top-up

Oriental Super Top-up policy is an add-on policy that is designed to provide coverage to the insured and his family in case their base coverage is exhausted.

Unique Features

  • Modern treatments and advanced surgeries
  • No Pre-acceptance till 55 years
  • AYUSH treatments without any sub-limits

Oriental Health of Privileged Elders

Designed to offer health insurance coverage to senior citizens aged 60 years and above and comes out with a compulsory co-payment of 20%.

Unique Features

  • Discount on Voluntary Co-payment
  • Loading for new entrants
  • Telemedicine expenses

Oriental Overseas Mediclaim Policy (E & S)

Coverage for medical expenses of various ailments to the policyholders residing outside of India for study and employment.

Unique Features

  • Accidental cover
  • Mental health cover
  • Permanent Total Disablement

Oriental Dengue Kavach Policy

Specially designed to offer coverage on detection of Dengue Fever without any sub-limit/ co-payment. The plan comes with a coverage of up to Rs. 20,000.

Unique Features

  • One premium irrespective of age
  • Family Discount up to 5%
  • Free-look period available

Oriental Overseas Mediclaim Policy- Business and Holiday

A combination of travel and health insurance that contains health benefits and offers coverage against loss during travel abroad.

Unique Features

  • Hijack distress allowance
  • Financial Assistance Emergency
  • Flight Delay Allowance

Oriental Critical Illness Policy

The plan is designed to cover the policyholder who is diagnosed with any of the 22 specified critical illnesses.

Unique Features

  • Personalized Health Advice
  • Two plan options to choose from
  • Coverage of up to 50 Lakhs

Oriental Corona Kavach

Available on both an individual and family floater basis, it protects the policyholder from the expenses incurred due to COVID-19 treatment.

Unique Features

  • Road Ambulance Charges covered
  • Pre & Post hospitalization
  • AYUSH Expenses covered

Group Health Plans

Oriental Mediclaim Insurance Policy (Group)

Group Mediclaim Policy covers a target group, association, institution, or corporate batch of 50 families or 50 persons or more.

Unique Features

  • Maternity expenses covered
  • Domiciliary Hospitalization covered
  • HIV/AIDS Cover

Oriental Insurance Bank Saathi Policy - Group

A group health insurance product for the Bancassurance partners of the company. Prosper can include family and the Sum Insured goes up to 25 lacs.

Unique Features

  • ICU covered
  • Assisted Reproduction Technique covered
  • Newborn baby covered

Why Buy Oriental Health Insurance Plans

Oriental Health Insurance offers a wide range of health plans that shell out several benefits. Below mentioned are some of the benefits that one can avail with Oriental Health Insurance plans.

  • Comprehensive Coverage: Oriental health plans provide comprehensive health insurance coverage options to fulfil all your medical requirements.
  • Daily Cash Benefit: When you are admitted to a hospital, you are eligible for daily cash as per your sum insured amount.
  • Portability Option: If you are not satisfied or happy with the services then, Oriental provides you with the option to port your policy to the other insurer.
  • Tax Benefits:Get the tax benefit on the premiums paid under section 80(D) of the Income Tax Act 1961.

What is Not Covered Under Oriental Health Insurance?

  • Intentional/self-inflicted injury.
  • Drug abuse/substance abuse/intoxication.
  • Alcohol consumption.
  • War/biological injuries/nuclear/chemical war.
  • Breach of law with criminal intent.
  • Insanity or Venereal disease.
  • Adventurous sport or any hazardous activity
  • Injuries arising from ionizing radiations or contamination by radioactivity

How To Buy Oriental Health Insurance?

Oriental Health Insurance Company has made the process of buying health insurance easy and convenient. Just follow the below steps and buy secure the healthcare needs of your loved ones today:

  • Visit the official website of Oriental Insurance Company.
  • Scroll down and choose the health policy you wish to buy.
  • On the next page, fill in the required details and calculate the premium.
  • Once done, you will get the payment details.
  • Make an online payment and your policy document will be sent to your registered email address.

What Is The Claim Process Of Oriental Health Insurance?

There are two processes to register a claim: Cashless and Reimbursement process.

Cashless Claim Process

In case if you want to avail of a cashless claim and are admitted to a network hospital then follow the below steps:

  • For availing of cashless treatment, the Oriental health insurance claim application form is required to be authorized by the network hospital.
  • The insurance company checks the information related to the medical condition and then analyzes if the claim is eligible for you or not.
  • After which the insurer reviews the medical information and determines whether that policyholder is eligible or not.
  • When the insurance company is satisfied with the information, at that time, the policyholder can avail cashless treatment. The insurer settles all the medical expenses directly with the network hospital.

Reimbursement Claim Process

In case of emergency hospitalization, the insurer must be informed within 24 hours of hospitalization or getting admitted to the hospital.

  • Fill the claim application form.
  • Attach all the medical documents and submit all other required documents to the insurance company within 15 days of discharge from the hospital.
  • Then, after the approval or the rejection from the insurer, the reimbursement claim is processed.

Documents Required To File A Reimbursement Claim Under Oriental Insurance Mediclaim Policy:

  • Duly filled claim form.
  • Recovery report.
  • Hospital discharge summary.
  • Pharmacy bills, receipts, and discharge reports along with the prescription.
  • Indoor case papers and duly-filled claim form Original Test Reports (x-rays/sonography/ECG, etc.)
  • A valid photo ID proof
  • Copy of claim intimation given to the Company.
  • The company may ask for any other documents if required.

What Is the Renewal Process Of Oriental Health Insurance?

The oriental health insurance must be renewed every year to enjoy its benefits. The company has come out with an online process, which makes it easy to renew your plan from the comfort of your home. The Oriental health insurance renewal process is mentioned below.

  • Visit Oriental Insurance's website and submit your request online by clicking on the 'Renew Online' option displayed on the menu bar.
  • Enter the policy number and click on the 'Renew Now' button to proceed further.
  • Specify the policy details.
  • Deposit the premium via available payment modes. A policy renewal notification will be shared with you.

How To Contact Oriental Health Insurance?

Oriental House, A-25/27, Asaf Ali Road, New Delhi - 110002



Health Insurance Articles

Oriental Health Insurance: Frequently Asked Questions

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 PNB Oriental Royal Mediclaim Insurance Policy?

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

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

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

5. What kind of 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 specif 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.

11. What will happen to my health insurance if I forgot to pay my health insurance premiums?

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

12. 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.

13. 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

Oriental Health Insurance Reviews

Read what our customers have to say about Oriental Health Insurance Company

Customer Review Image



June 9, 2022

I purchased an insurance plan from oriental insurance and I am happy to be a part of this organization.

Customer Review Image

Simran C


October 19, 2021

happy with the claim settling speed....they responded within no time and were super efficient during the whole process

Customer Review Image

Sukhi singh


October 18, 2021

good service...in fact super quick repsponse time of the customer support team...they have knowledge and are effective

Customer Review Image



October 8, 2021

i raised my claims and they covered most of my surgery expenses ...they truly want to help which is the greatest thing about them

Customer Review Image

Himesh Nigam


September 8, 2021

Man I was pleasantly surprised with the customer agent I spoke to at Oriental...so detailed and thoruough about every query I had...going to get a health plan super soon!

Customer Review Image

Harma Bajwa


September 8, 2021

all the death benefits that were promised to us were delivered. my husband s deathn has not been easy but the quick support from Oriental was really helpful

Customer Review Image

Karim Suleiman


September 8, 2021

I was very very doubtful about insurance in general becaus lots of frauds happening around. however, Oriental has been the most supportive throughout my father s death and gave us the benefits...

Customer Review Image

Siddharth Sharma


September 8, 2021

guys i would 1000% recommend this insurer... when I first bought it, its support staff was great. and wehne it came to settling my recent medical bills, they stuck to their words

View All Oriental Health Insurance Reviews