Oriental Health Insurance
With the values that says "An Indian Brand, Owned by Indians, Operated by Indians", Oriental Health Insurance started its operations in 1947...Read More
Network hospitals
4000+
Incurred claim ratio
95.49%
Sum insured
Up to2 Crores
No. of Plans
5
Solvency Ratio
0.6
Pan India Presence
1,000+
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.
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
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
-
Group Health Insurance
Oriental Health Insurance Plans Eligibility Approximate Annual Premiums Oriental Bank Saathi Policy Entry Age - 18 to 70 Years
Sum Insured - Up to 25 LRs. 6,530
-
Accident Health Insurance
Oriental Health Insurance Plans Eligibility Approximate Annual Premiums Oriental Personal Accident Policy Entry Age - N/A
Sum Insured - Up to N/ARs. N/A
-
Individual and Family Health Insurance
Oriental Health Insurance Plans Eligibility Approximate Annual Premiums Oriental Happy Family Floater Policy Entry Age - 18 to 65 Years
Sum Insured - Up to 50 LRs. 2,115
PNB Oriental Royal Mediclaim Insurance Policy Entry Age - 18 to 79 Years
Sum Insured - Up to 10 LRs. 8393
-
Individual
Oriental Health Insurance Plans Eligibility Approximate Annual Premiums Individual Mediclaim Policy Entry Age - 18 to 65 Years
Sum Insured - Up to 50 LRs. 2,933
Key Features Of Oriental Health Insurance
Let us take a look at some unique features of top-selling Oriental Health Insurance policies:
For Group Health Insurance
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
For Accident Health Insurance
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 Individual and Family Health Insurance
Oriental Happy Family Floater Policy
The Oriental Happy Family Floater Policy is a versatile health plan with silver, gold, diamond, and platinum plan variants. The plan offers a high sum insured up to INR 50 Lakhs and a plethora of features.
Why Do We Recommend This?
- Domiciliary hospitalization
- Day Care procedures
- Accidental Death Benefit
For Individual
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
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:
Group Health Insurance
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
Accident Health Insurance
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)
- N/A
Individual and Family Health Insurance
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
Individual and Family Health Insurance
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
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
Recommended Videos
Oriental Health Insurance
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
More Queries?
If you have any more queries regarding
Plans,
Renewals, or Claim Procedures, contact our insurance experts at:
1800-4200-269
now!
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Written By: Simran Saxena
An explorer and a curious person, Simran has worked in the field of insurance for more than 3 years. Travelling and writing are her only passion and hobby. Her main agenda is to transform insurance information into a piece that is easy to understand and seamlessly solves the reader’s query.
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