Oriental Health Insurance

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About Oriental 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 promises to offer financial assistance against medical emergencies, which includes hospitalization costs, health checkups, critical illness, etc. Apart from health insurance, the company deals in other types of insurance products like travel, motor, home, personal accident, among others.

Highlights of Oriental Health Insurance Company

Head OfficeNew Delhi
Regional Offices29
Total Number of Employees13500

Table Data updated on 17-12-2020

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 NameEntry AgeSum Insured
Happy Family Floater Policy3 months-65 yearsRs. 1 lakh to 20 lakhs
PNB Oriental Royal Mediclaim Insurance Policy3 months- 79 yearsRs. 1 Lakh to 10 Lakhs
Group Mediclaim PolicyNANA
Individual Mediclaim Policy3 months-65 yearsRs. 1 Lakh to 10 Lakhs
Oriental Happy Cash Policy- Nischint Rahein3 months-65 yearsNA
Oriental Super Health Top Up18 years-65 yearsNA
Pravasi Bhartiya Bima Yojana PolicyNANA
Health of Privileged EldersNARs. 1 Lakh- 5 Lakhs
Jan Arogya Bima Policy5 years-70 yearsRs. 5000
Arogya Sanjeevani Policy- Oriental18 years-65 yearsRs. 1 Lakh- 5 Lakhs
Overseas Mediclaim Policy (B&H)NANA
Overseas Mediclaim Policy (E&S)NANA
Corona Kavach Policy18 years-65 yearsRs.50,000- 5 Lakhs
Corona Rakshak Policy18 years-65 yearsRs.50,000-2.5 Lakhs

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 entry18 years for adults
3 months for children
Maximum Age of entry65 years
Sum InsuredRs. 1 lakh to 20 lakhs

Table Data updated on 17-12-2020

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 entry18 years for adults
3 months for children
Maximum Age of entry79 years
Sum InsuredRs. 1 Lakh to 10 Lakhs

Table Data updated on 17-12-2020

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 where normal child deliveries are paid out by the company.

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 hospitalisation, 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 entry18 years for adults
3 months for children
Maximum Age of entry65 years
Sum InsuredRs. 1 Lakh to 10 Lakhs

Table Data updated on 17-12-2020

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 entry65 years
Daily Cash Benefit OptionRs. 500, Rs.1000, Rs.2000 & Rs.3000.

Table Data updated on 17-12-2020

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 in case 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 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 entry18 years
Maximum Age of entry65 years

Table Data updated on 17-12-2020

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.
  • Hospitalisation cover for 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 emigrant in case she conceives during the time abroad. For normal delivery, a maximum of Rs.35,000 is provided and for caesarian operation, 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 hospitalisation and domiciliary hospitalisation 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-hospitalisation 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 InsuredRs.1-5 lakhs
Cashless service through TPAUp to Rs.1 lakh

Table Data updated on 17-12-2020

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, anesthetist, consultants, medical practitioner, and specialists fees.
  • Cost of a pacemaker, blood, operation theatre charges, diagnostic materials and X-ray, dialysis, surgical appliances, oxygen, chemotherapy, anesthesia, 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 InsuredRs. 5000

Table Data updated on 17-12-2020

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 Age18 years-65 years
Policy Period1 years
Sum InsuredRs.1 lakh to 5 lakhs

Table Data updated on 17-12-2020

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, that 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 InsuredRs.50,000- Rs. 5,00,000
Policy Period3.5 months, 6.5 months, and 9.5 months

Table Data updated on 17-12-2020

14. Corona Rakshak Policy

Corona Rakshak Policy offers a lump-sum benefit (equal to 100% 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 InsuredRs.50,000-2,50,000
Policy Period3.5 months, 6.5 months, and 9.5 months

Table Data updated on 17-12-2020

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.

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

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 process is mentioned below.

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

FAQs

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 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.

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 further process.

Page updated on 17-12-2020