Oriental Health Insurance

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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 control of Oriental Insurance was given to the central government and from then, it started working as a public sector insurance company.

Oriental health insurance policy promises 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, among others. Oriental Health Insurance has been recognized as Best General Insurance- Public in the CNBC TV18 Best Bank and Financial Institution Award.

Key Features Of Oriental Health Insurance

Nowadays health insurance has become a necessity for you and your family by helping you overcome the rising medical bills incurred at the time of hospitalization. Besides, having a medical insurance plan offers you peace from financial burdens and stress. However, with the availability of several options in the market, people often get confused and buy the wrong policy due to a lack of awareness.

To provide in-depth information on policy plans and make the selection process easier for you, PolicyX.com has shortlisted top health insurance companies out of 29 insurance companies based on several factors such as claim support, network hospitals, and market share.

Oriental Health Insurance is a trusted and popular health insurance company among customers but before opting for it for you and your family, let's have a quick review.

  1. Lifetime Renewability

    Oriental Health Insurance provides the option of lifetime renewability that saves your pocket from financial burdens.

  2. Network Hospitals

    Nowadays, having health insurance along with a cashless facility is a blessing in disguise during medical emergencies. Fortunately, Oriental Health Insurance is empanelled with 2300+ network hospitals across India that will ensure you hassle-free cashless hospitalization without any financial stresses. 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 and you do not have to arrange funds at the time of medical emergency. Oriental Health Insurance is a public insurer company and the network hospitals in comparison to general insurance companies are not that vast. So we have prepared a graph below of all the public insurers to network hospital lists. Let's have a look.

    Network Hospitals of Oriental Health Insurance with other public insurers

    Network Hospitals of Oriental Health Insurance with other public insurers

    **Data from IRDAI Annual Reports

    Now how to search for network hospitals enlisted with Oriental Health Insurance Company. We have made it convenient for you. You can now check the Oriental health Insurance network hospital list with PolicyX.com as per your state and your city.

    Just think, what if you are hospitalized in a non-network hospital that is not empanelled with your insurer? It may cost you huge. But, don't worry. Oriental offers a reimbursement option, allowing you to file for the reimbursement of the treatment cost you have paid in the hospital.

  3. Claim Support (Within 3 Months)

    Claim support is another crucial factor to consider while selecting a reliable insurance company. The claim support ratio helps determine the claim settling ability of the insurance provider and how the insurance company settles the claims of the insured person at the time of a medical emergency. This is one of the factors on which the company is rated by the authorities.

    We at PolicyX.com considered claim support (within 3 months) as a vital factor when comparing and selecting health insurance companies.

    IRDAI standardizes the claim support and publishes it annually in the first month of every year. As per the reports of IRDAI 2019-20, Oriental Health Insurance settles 92.71% of claims within 3 months, which indicates that the company cares about its customers' requirements and is trustworthy.

    Let's understand the claim support of public insurers with the help of a graph.

    Claim support (within 3 months) of Public insurers

    Claim support (within 3 months) of Public insurers

    **Data from IRDAI Annual Reports

    If your company is not able to settle your claims in the set time, then the whole purpose of buying the policy is wasted. So it becomes important for you to select a company based on their low or high claim support and to ensure that your insurer has a good claim support percentage before opting for any health insurance plan. Moreover, it is important to check if the insurance company could settle claims for the last few years as well. For your better understanding, see the graph.

    Claim support (within 3 months) of Oriental Insurance for 2016-2020

    claim support (within 3 months) of Oriental Insurance for 2016-2020

    **Data from IRDAI Annual Reports 2019-20

    This graph shows the claim paying ability of an insurer within 3 months for the last four financial years. A higher claim support percentage ensures a hassle-free and smooth claim settlement process.

  4. Solvency Ratio

    The solvency ratio of a company helps determine the ability of a company to meet its financial obligations, thus providing financial protection to you and your family. Additionally, it also determines the company's size. The solvency ratio is published in IRDAI Annual reports for four months.

    IRDAI mandates maintaining a healthy solvency ratio of 1.5 for every insurer. As per IRDAI Annual Report 2019-20, the solvency ratio of Oriental Health Insurance Company is 1.38, which fulfills the criteria and standards of IRDAI. This is considered a healthy solvency ratio and also indicates its good claim paying ability.

    Solvency Ratio of Oriental Insurance Company

    Solvency Ratio of Oriental Insurance Company

    **Data from IRDAI Annual Reports

    For your better understanding, we assessed the solvency ratio of the last four years and as per our results, Oriental health insurance has always matched the set standards of IRDAI in terms of solvency ratio, and it is found to be a financially sound company. The graph also shows that the company has sufficient resources to pay off the claims to the customers. Hence you can go to this company if you are considering the solvency ratio as one of the factors for selecting a good insurance company.

    As we have discussed above that IRDAI publishes solvency of four months for a year. Let's discuss the solvency of 2019-20 from June 2019-March 2020.

    Solvency Ratio of Oriental Insurance of FY 2019-20

    Solvency Ratio of Oriental Insurance 2019-20

    **Data from IRDAI Annual Reports 2019-20

    Let's compare the solvency ratio of Oriental Health Insurance with other public sector insurers.

    Solvency Ratio of Oriental Health Insurance and other public sector insurers

    Solvency Ratio of public sector insurers

    **Data from IRDAI Annual Reports

  5. Market Share

    Market share is the parameter that one considers while selecting an insurance company. It determines the business volume that refers to the total number of policies sold by an insurer. Oriental Health Insurance has shown significant growth in the last few years. As per the IRDAI Annual report 2019-20, the annual gross premium is 4642.63 Crores whereas, for 2018-19, it was 4047.71 crores, which shows good growth in its business volume. We have prepared a graph that compares the annual gross premiums of Oriental Health Insurance Company from 2016 to 2020.

    Annual Gross Premium of Oriental Health Insurance for FY-2016-20

    Annual Gross Premium of Oriental Health Insurance for FY-2016-20

    **Data from IRDAI Annual Reports

    The bar graph shows the Annual premium of Oriental Health Insurance from the Financial year 2016-20. The significant growth has been witnessed from 2016-20 but there is a slight decline in the market share growth from 2017-2019. This decline is not a big concern as in other years it shows a sizable grip on the sector. Oriental Insurance Company shares 9.1% of the insurance market.

    Pie chart showing the Market Share of Oriental Insurance and other companies

    Market Share of Oriental Insurance and other companies

    **Data from IRDAI Annual Reports

    It is also important to see how many companies match up to Oriental Insurance's market share. According to the above-discussed pie chart, Oriental commands 9.1% of market share in comparison to other insurers.

    We have summarized the above information in the table below:

    Head Office New Delhi
    Regional Offices 29
    Total Number of Employees 13500
    Network Hospitals 2300+
    Annual Gross Premium (2019-20) 4642.63 Crores
    Market Share 2019-20 (in%) 9.1
    Claim Support (within 3 months) 92.71
    Renewability Lifelong
    Solvency Ratio 1.38

    **Last Updated on May, 2021

Benefits of Oriental Health Insurance

This comprehensive health insurance policy protects you and your family by offering various benefits to provide you relief from additional financial expenses.

Before buying this policy, it is always recommended to go through all the terms and conditions of the policy. Here are the major benefits:

  1. Comprehensive Coverage

    Oriental health plans provide comprehensive health insurance coverage options to fulfill all your medical requirements.

  2. Daily Cash Benefit

    When you are admitted to a hospital, you are eligible for daily cash as per your sum insured amount.

  3. 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.

  4. Claim Process

    The claim settlement process is quick and hassle-free.

  5. Amazing Discounts

    Oriental offers a loaded amount of attractive discounts that help you in investing more and more.

  6. Tax Benefits

    Get the tax benefit on the premiums paid under section 80(D) of the Income Tax Act 1961.

What Are The Types of 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.

Plan Name Type of Plan Who to Buy?
Happy Family Floater Policy Family Health Insurance Happy Family Floater plan protects your entire family (self, spouse, children, parents, and parents-in-law).
PNB Oriental Royal Mediclaim Insurance Policy Mediclaim Health Insurance This plan provides coverage to individuals up to the age of 79 years and not more than 80 years.
Group Mediclaim Policy Mediclaim Health Insurance The cover can be bought for a group of 50 families or 50 persons or more.
Individual Mediclaim Policy Mediclaim Health Insurance This plan is specifically designed for you and your family who want coverage against emergency hospitalization and medical emergencies.
Oriental Happy Cash Policy- Nischint Rahein Family Health Insurance Happy Cash policy protects your family's future from additional financial stress at the time of hospitalization.
Oriental Super Health Top Up Top-up Health Insurance This plan provides coverage to your entire family.
Family members include spouse, parents, parents-in-law, dependant children (90 days to 18 years)
Pravasi Bhartiya Bima Yojana Policy Overseas Insurance Scheme This plan aims to safeguard the Indian emigrant workers who are falling under the Emigration check required category.
The health of Privileged Elders Senior Citizen Insurance This Policy is specifically designed for people of 60 years and above.
Jan Arogya Bima Policy Medical Insurance Policy This plan covers the poorer sections of society.
Arogya Sanjeevani Policy- Oriental Family Health Insurance Arogya Sanjeevani Plan offers wider coverage for your entire family at affordable premium rates. It also covers basic medical expenses.
Overseas Mediclaim Policy (B&H) Overseas Mediclaim It provides coverage to those who are facing loss during travel abroad.
Overseas Mediclaim Policy (E&S) Overseas mediclaim This plan provides coverage against travel and health emergencies.
Corona Kavach Policy COVID-19 Corona kavach plan protects you and your family and covers the expenses of COVID-19 treatment.
Corona Rakshak Policy COVID-19 This plan is specifically designed for COVID-19. It provides a lump sum benefit on the diagnosis of Coronavirus.
Oriental Critical Illness Plan Critical illness This plan is for the policyholder who is diagnosed with a critical illness such as cancer, stroke, etc.

**Last Updated on May, 2021

Let's discuss each plan in detail.

  1. Happy Family Floater Policy

    Happy Family Floater Policy is for all Indian citizens as well as SAARC country citizens who want to secure their families from future medical costs arising due to inevitable hospitalization or medical issues. The plan is offered in three variants-

    • Silver
    • Gold
    • Diamond

    Key features:

    • In-patient hospitalization occurred during the time of treatment of any investigated illness in a hospital is covered.
    • The plan offers coverage for pre-hospitalization and post-hospitalization expenses.
    • A daily hospital cash allowance (Rs. 600 to Rs. 1000 per day) for the diamond plan and Rs. 600 to Rs. 1000 per day for a gold plan is provided to the policyholder.
    • Domiciliary hospitalization expenses are also covered.

    Eligibility Criteria:

    Minimum Age of entry 18 years for adults
    3 months for children
    Maximum Age of entry 65 years
    Sum Insured Rs. 1 lakh to 20 lakhs

    **Last Updated on May, 2021

  2. PNB Oriental Royal Mediclaim Insurance Policy

    PNB Oriental Royal Mediclaim Insurance Policy focuses on securing the health of Oriental Bank of Commerce (OBC) account holders and their families at an affordable rate of premium. The policyholders can include their spouse, dependent children, and widowed/divorced daughters.

    Key features:

    • Daily hospital cash allowance is available only for the proposer of policy. The per-day limit would be Rs. 200 whereas the total cash allowed is Rs. 1000 in a policy period.
    • Organ donor expenses coverage for transplantation of organs where insured is the recipient. The insured must show that transplantation has been suggested by the doctor.
    • Post-hospitalization expenses that occur after getting treatment in a hospital and the issue of discharge are covered for up to 60 days.
    • Domiciliary hospitalization benefits where the insured can have the facility of the medical practitioner, consultants, blood, oxygen, surgical appliances, diagnostic equipment, medicines & drugs, surgeon and dialysis, chemotherapy, and nursing at home is provided.

    Eligibility Criteria:

    Minimum Age of entry 18 years for adults
    3 months for children
    Maximum Age of entry 79 years
    Sum Insured Rs. 1 Lakh to 10 Lakhs

    **Last Updated on May, 2021

  3. Group Mediclaim Policy

    If anybody wants to cover a target group, association, institution, or corporate batch can purchase Oriental Group Mediclaim. The cover can be bought for a group of 50 families or 50 persons or more.

    Key Features:

    • The total value of in-patient hospitalization expenses that popped up for a detected illness/injury will be covered.
    • Domiciliary hospitalization where treatment can be taken at home with the permission of a medical practitioner will also get covered (up to the limit of the sum insured).
    • Pre-hospitalization expenses that cover diagnostic tests, medicines, doctor consultation, etc. appearing before going to a hospital are covered. Reimbursement of expenses is done for 30 days (maximum ending on the date of admission).
    • Maternity expenses for the female insured members are paid by the company for normal child delivery.
  4. Individual Mediclaim Policy

    Individual Mediclaim Policy health insurance policy is designed for individuals and their family members who wish to get coverage from unpredictable hospitalization and medical emergencies.

    Key Features :

    • For pre-hospitalization, the expenses occurring for 30 days are reimbursed whereas, for post-hospitalization, the expenses will be covered for 60 days.
    • Under this plan, organ transplantation will be liable to get the cover. The plan will also cover the organ cost along with the treatment.
    • Domiciliary hospitalization, which allows the insured to operate treatment at home only on the recommendation of a medical expert or due to unavailability of the hospital bed. The insured can claim 20% of the sum insured or Rs. 50,000 (per insured member).
    • The plan also offers a family discount of 10% (including on PA cover) if more than one person is covered under the policy.

    Eligibility Criteria:

    Minimum Age of entry 18 years for adults
    3 months for children
    Maximum Age of entry 65 years
    Sum Insured Rs. 1 Lakh to 10 Lakhs

    **Last Updated on May, 2021

  5. Oriental Happy Cash Policy- Nischint Rahein

    The Happy Cash Policy will keep your worries at bay (during the whole term of the policy) through a constant supply of cash during hospitalization that will not affect your pocket savings.

    Key Features:

    • Daily cash benefit for each day of hospitalization is provided, and if the policyholder is a woman, 25% additional daily cash benefit will be provided.
    • The plan grants convalescence benefits for the treatment taken at home, which lasts for 30/60 consecutive days.

    Eligibility Criteria:

    Minimum Age of entry (dependent children) 3 months - 18 years
    Maximum Age of entry 65 years
    Daily Cash Benefit Option Rs. 500, Rs. 1000, Rs. 2000 & Rs. 3000

    **Last Updated on May, 2021

  6. Oriental Super Health Top Up

    It is a premium health insurance plan, which covers all the significant medical expenses associated with the required treatment if the hospitalization expenses exceed the SI under the base policy.

    Key Features:

    • Transplantation of the organ in the insured's body where coverage is reserved for in-patient hospitalization of the donor and transplanting the same in the recipient body. The insured will receive 10% of the sum insured.
    • In-patient treatment at Ayurvedic, Yoga and Naturopathy, Unani, Siddha, and Homeopathic centres (registered under government councils) is reimbursed as per the specified limit.
    • Pre and post-hospitalization expenses (30 & 60 days) are covered by the plan.

    Eligibility Criteria:

    Minimum Age of entry 18 years
    Maximum Age of entry 65 years

    **Last Updated on May, 2021

  7. Pravasi Bhartiya Bima Yojana Policy

    The Pravasi Bhartiya Bima Yojana Policy is made to facilitate the people who migrate to foreign countries for employment and have obtained an emigration clearance for the same.

    Key Features:

    • In case of the death of the insured during the policy tenure in India or abroad, the plan will offer the required cover (up to 10 lakhs).
    • The plan pays 10 lakhs (as compensation) against permanent disability arising during the period of living as an emigrant abroad where disability resulted in the loss of employment due to the inability to engage in business activities.
    • Hospitalization covers family members residing in India if the policy is taken on a floater basis. This is valid for the death and disability of any member where Rs. 50,000 is a fixed amount for payment.
    • Maternity benefit to female insured emigrants in case she conceives during the time abroad. For normal delivery, a maximum of Rs. 35,000 is provided and for cesarean delivery, a maximum of Rs. 50,000 is paid out.
  8. Health of Privileged Elders

    Health of Privileged Elders is designed to offer helpful health insurance cover to senior citizens aged 60 years and above. The plan offers coverage to specified diseases only and it comes out with a compulsory co-payment of 20%.

    Key Features:

    • The plan reimburses the cost of hospitalization and domiciliary hospitalization expenses for the specified diseases sustained by the insured.
    • The plan will also offer coverage against surgical treatments, which include treatment of an illness or injury, diagnosis, and cure of diseases, correction of deformities and defects, performed in a hospital or daycare centre by an expert.
    • The plan grants post-hospitalization cover (up to 60 days) under which all expenses associated with the treatment (after getting discharged) will be liable to get the required cover.

    Eligibility Criteria:

    Sum Insured Rs. 1- 5 lakhs
    Cashless service through TPA Up to Rs. 1 lakh

    **Last Updated on May, 2021

  9. Jan Arogya Bima Policy

    The policy reimburses the expenses incurred during hospitalization/domiciliary hospitalization for illness or injury sustained.

    Key Features:

    In-patient hospitalization coverage for the following:

    • Boarding room expenses
    • Nursing expenses
    • Surgeon, anaesthetist, consultants, medical practitioner, and specialists fees
    • Cost of a pacemaker, blood, operation theatre charges, diagnostic materials and X-ray, dialysis, surgical appliances, oxygen, chemotherapy, anaesthesia, radiotherapy, artificial limbs, medicines & drugs & cost of organs, and similar expenses

    Pre-hospitalization expenses (up to 30 days) are covered. Post-hospitalization expenses are also covered (for a maximum of 60 days) and will be settled only when you submit related reports/ bills/ tests/ doctor statements.

    Eligibility Criteria:

    Entry age (Adults) 5 years - 70 years
    Sum Insured Rs. 5000

    **Last Updated on May, 2021

  10. Arogya Sanjeevani Policy- Oriental

    Arogya Sanjeevani is a standard health insurance plan that covers hospitalization expenses and comes with a wide range of useful benefits.

    Key Features:

    • One can include his/her family members like spouse, dependent children, parents, and parents-in-law.
    • The plan comes with a lifelong renewable option.
    • The plan covers ambulance charges (up to Rs. 2000 per hospitalization).
    • Grab coverage for the expenses incurred on dental treatment and plastic surgery due to disease or injury.

    Eligibility Criteria:

    Entry Age 18 years - 65 years
    Policy Period 1 year
    Sum Insured Rs. 1 lakh to 5 lakhs

    **Last Updated on May, 2021

  11. Overseas Mediclaim Policy (B&H)

    Overseas Mediclaim Insurance Policy (B&H) is a combination of travel and health insurance that contains health benefits and offers coverage against loss during travel abroad.

    Key Features:

    • Sustenance of any physical injury that has visible and external traces on the body of the insured will be covered. The injury is eligible for compensation only if it has appeared from an accident.
    • Loss of checked-in baggage (like any article/property/valuable material) will be compensated by the company.
    • The insured will receive reimbursement of real expenses incurred for the acquisition of emergency travel documents as a replacement for the lost passport.
  12. Overseas Mediclaim Policy (E&S)

    The Overseas Mediclaim Employment and Studies policy covers various travel and health emergencies faced by the policyholder while traveling abroad.

  13. Corona Kavach Policy

    Corona Kavach Policy is available on both individual and family floater basis, which protects the policyholder from the expenses incurred due to COVID-19 treatment.

    Key Features:

    • The policy provides coverage against road ambulance charges and AYUSH treatments incurred at AYUSH hospitals.
    • The plan also covers pre and post-hospitalization expenses up to 15 & 30 days.

    Eligibility Criteria:

    Entry Age (Adults) 18 years - 65 years
    Sum Insured Rs. 50,000 - Rs. 5,00,000
    Policy Period 3.5 months, 6.5 months, and 9.5 months

    **Last Updated on May, 2021

  14. Corona Rakshak Policy

    Corona Rakshak Policy offers a lump-sum benefit (equal to 100% of the SI) on a positive diagnosis of COVID-19, provided the insured is hospitalized for a minimum period of 72 hours.

    Key Features:

    • The plan comes with a waiting period of 15 days from the commencement of the policy date.
    • The plan offers all India coverage and is available on an individual basis.

    Eligibility Criteria:

    Entry Age (Adults) 18 years - 65 years
    Sum Insured Rs. 50,000 - 2,50,000
    Policy Period 3.5 months, 6.5 months, and 9.5 months

    **Last Updated on May, 2021

  15. Oriental Critical Illness Plan

    A critical illness can bring emotional and financial instability to your life. This plan is specifically designed for the earning member of a family who is diagnosed with Critical illnesses such as Tumor, cancer, etc. Add-on covers are available under this plan.

    Key Features:

    • This plan provides portability options. You can migrate your plan to the other plan.
    • Get the cashless treatment under this plan and no need to pay single money to the hospital at the time of medical emergency.
    • Option for personalized health advice from a doctor or a medical practitioner.
    • The critical illnesses covered under this plan are:
      • Coma of particular severity
      • CABG
      • Bone marrow transplant
      • First heart attack
      • Cancer with specified severity


  • 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 has made the process of buying health insurance easy and convenient. Just follow the below steps and be the owner of a health policy.

  • 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

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

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.

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.

Oriental Health Insurance Review

As per the above discussion, the claim support ratio and ability to set claims is quite good. The company offers 12 plans with various benefits and services for you and your family. You can avail cashless treatment at their 2300+ network hospitals. But the network hospitals could be better in comparison to other insurers. The waiting period for pre-existed illness is 4 years. The company does offer plans which are ideal for an individual.

How to Contact Oriental Health Insurance?

Oriental House, A-25/27, Asaf Ali Road,

New Delhi - 110002

Phone No's:011-43659595

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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.

Find Out What the Customers Are Saying

(Showing latest 5 reviews only)

- 4.4/5 (16 Total Rating)

May 13, 2021



I purchased this policy a year ago. The staff is very good and they settle your claims quickly. Happy!!

May 5, 2021

Shilpa Suman


The staff is really good. I visited their branch a few months ago because of my claim process all are very patient. Really satisfied with their services.

May 26, 2018



I have taken a Group Mediclaim plan from Oriental Insurance company for my whole family and the coverage offered is for 5 lakhs per year. Cashless treatment is available in which 24 hrs.

May 13, 2021

Sushil Kumar


My sister told me about this company and now I am very much satisfied with the claim settlement. It offers many benefits. Keep it up.

May 6, 2021

Anupama rai


Oriental staff is very good and they provide commendable service. I suggest everyone to go for this company

Last updated on May, 2021

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