Oriental Personal Accident Policy
  • Covers you globally
  • Optional medical cover
  • Accidental loss compensation
Oriental Health Insurance
premium

Network hospitals

3500+

premium

Incurred claim ratio

130.09%

premium

Sum insured

Up to 50 Lakh

premium

No. of Plans

13

premium

Solvency Ratio

0.6

premium

Pan India Presence

1800+

Customized Health Insurance Plan for you.

Get upto 15% Online Discount*

Select Members You Want To Insure

Age of Eldest Member

premium

Network hospitals

3500+

premium

Incurred claim ratio

130.09%

premium

Sum insured

Up to 50 Lakh

premium

No. of Plans

13

premium

Solvency Ratio

0.6

premium

Pan India Presence

1800+

Oriental Insurance Personal Accident Policy

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 organs. These accidents could be so grievous that they may greatly shatter our family's future and financial stability.

Oriental Insurance personal accident policy offers compensation against such critical conditions caused by an accident, violence, or external factors that have caused temporary or permanent total/partial disablement. Read further through this page to know more about the benefits, and exclusions of the Oriental Insurance personal accidental plan.

Specification (Inclusions): Oriental Insurance Personal Accident Policy

Oriental Insurance offers several personal accident plans to cover you through any unfortunate circumstances, the specifications of which are given below. Here are the Oriental Insurance personal accident policy variants:

  • Gramin Accident Insurance Plan
  • Janata Personal Accident Plan
  • Nagrik Suraksha Plan
  • Personal Accident - Group Plan
  • Personal Accident - Individual Plan

The table given below illustrates the specific benefits related to personal accidental cover with Oriental Insurance:

Benefits Specifications
Accidental death If a direct accident or an accidental injury stands as the sole cause of death to the insured, this policy covers such condition and offers a payout to the nominee
Injury Accidental injuries whether it's severe or mild, like loss of the sight of eye/s, limbs, fractures, etc are covered
Permanent total disability In such conditions of total permanent disablement, the insurer will payout approximately 100% of the sum insured to manage the financial or income loss
Permanent partial disability If there's a condition when the policyholder has lost any of the mentioned organs that may not be recovered by any means will be compensated as per the specified percentage
Temporary total disability The policy will cover the recovery cost and the financial needs of the insured's family up to a specified limit of the SI or 1% per week up to a maximum of INR 20,000
Temporary partial disability If the policyholder loses his/her sight, secondary organs, etc to an accident for a specified period, the expenses for treatment will be covered as per coverage in the policy documents
Mortal remains mobility If the demise of the insured is caused outside their residential region, the funeral costs and their body's transportation costs will be reimbursed up to 2% of the base SI or up to INR 2,500
Worldwide accidental cover Accidental conditions as per the specifications of your policy are covered worldwide with this plan
Optional Benefits
Medical expenses On paying an extra premium, you can get an extended validity for an admissible claim against the medical expenses occurring due to accidents

Exclusions: Oriental Insurance Personal Accident Policy

The Oriental Insurance accident policy does not cover the following conditions:

Any pre-existing conditions

Self-inflicted injury, stress, mental disorders and likewise

An attempt to suicide/committed suicide, or an act of harming oneself intentionally

Abusing intoxicants or hallucinogens; drugs and alcohol

Uncertainties caused due to adventure sports (unless it's specifically opted while accessing tp policy based on additional premium payment)

Treatment of obesity/weight control treatment and cosmetic/plastic surgery

Breach of law/unlawful activities that involve criminal intent

Insured who is serving in the military, navy, air force, paramilitary forces and so on

War, public defence, chemical, radioactive or nuclear contamination

Note: These are just standard and compulsory exclusions lists, but might not be the exact ones. For a detailed list of exclusions (what's not covered), check through the terms & conditions of your policy documents. Remember, all the variants of this plan have different sets of exclusions so read carefully before claiming your policy.

Final Thoughts

In the case of a medical challenge like injuries caused due to unfortunate accidents, accidental death, or disabilities either partial or full and temporary or permanent, Oriental Insurance's accidental policy saves your day. With your Oriental accident policy, you can be future-ready for any discrepancies or mishaps occurring due to accidents.

What are you giving the second thought then? Check out the details of this plan in the policy wordings attached above on this page.

If you have another query, send us an email at helpdesk@policyx.com or give us a call at 1800 4200 269.

Explore other Oriental Health Insurance Plans

Oriental Health Insurance offers a wide range of health insurance plans to fulfill the medical needs of individuals, families, and senior citizens.

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 50 lacs.

Unique Features

  • Covers SAARC countries
  • Midterm inclusion allowed
  • Assisted Reproduction Treatment

Happy Family Floater Policy (Pros)

  • New Born Baby Cover
  • Maternity Expenses Cover
  • Modern Treatments
  • Plastic Surgery Due To Injury
  • Family Floater Benefits

Happy Family Floater Policy (Cons)

  • No Gender Treatments
  • No Global Coverage
  • No Alcoholism Cover
  • No War Injury Cover
  • No Obesity/Weight Cover

Happy Family Floater Policy (Other Benefits)

  • Zone Wise Rates
  • Non-TPA Discount 5.5%
  • 10% Discount on Online Renewal
  • Waiver of Proportionate deduction
  • Dental Treatment Covered

Happy Family Floater Policy (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 1 L to 50 L
  • Waiting Period - 30 Days

A plan for individuals and families covering domiciliary hospitalization, and daycare treatment. The plan also offers many discounts and other add-on benefits.

Unique Features

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

Mediclaim Insurance (Individual)(Pros)

  • 10 % Family Discount
  • Daily Hospital Cash
  • Air Ambulance Cover
  • Personal Accident Cover
  • Lifetime Renewals

Mediclaim Insurance (Individual)(Cons)

  • No Suicide Cover
  • Co-Payment in Many Injuries
  • No Alcoholism Cover
  • No War Injury Cover
  • No Obesity/Weight Cover

Mediclaim Insurance (Individual)(Other Benefits)

  • Spouse Cover
  • Non-TPA Discount 5.5%
  • 10% Discount on Online Renewal
  • Family Cover
  • Dependent Child Covered

Mediclaim Insurance (Individual)(Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age -65 Years
  • SI - 10 L to 50 L
  • Waiting Period - 30 Days

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

Happy Cash-Nischint Rahein (Pros)

  • Daily Cash Benefit
  • Day Care Treatment Cover
  • Parents-in-law Cover
  • Pre-Existing Disease Cover
  • Hospitalization Cover

Happy Cash-Nischint Rahein (Cons)

  • No Suicide Cover
  • No Unproven Treatment Cover
  • No Biological Injury Cover
  • No War Injury Cover
  • No Obesity/Weight Cover

Happy Cash-Nischint Rahein (Other Benefits)

  • Spouse Cover
  • Inpatient Expenses Cover
  • Acute Condition Cover
  • Ambulance Cover
  • Dependent Child Covered

Happy Cash-Nischint Rahein (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - NA
  • Waiting Period - 30 Days

Oriental Aarogya Sanjeevani Policy

Covers hospitalization charges for the individual and family members. It is a standard plan that covers many illnesses and annual medical checkups.

Unique Features

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

Aarogya Sanjeevani Policy(Pros)

  • Domiciliary Expenses Covered
  • 5% Cumulative Bonus
  • Dental surgery Expenses
  • Ambulance Charge Cover
  • 5.5% Non-TPA Discount

Aarogya Sanjeevani Policy(Cons)

  • No Dietary Supplements Cover
  • No War Injury Cover
  • No Biological Injury Cover
  • No Rheumatism Cover
  • No Obesity/Weight Cover

Aarogya Sanjeevani Policy(Other Benefits)

  • Spouse Cover
  • Dependent Child Cover
  • 50% Medical Checkups Covered
  • Daycare Treatment Covered
  • ICU Cover

Aarogya Sanjeevani Policy(Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age -65 Years
  • SI -5 L to 20L
  • Waiting Period - 30 Days

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
  • In-patient hospitalization covered

Oriental Jan Arogya Policy(Pros)

  • Room Expenses Covered
  • Artificial Limbs Covered
  • Dental surgery Expenses
  • Pre-existing condition Cover
  • Maternity Covered

Oriental Jan Arogya Policy(Cons)

  • No Suicide Cover
  • No Maternity Cover
  • No Dietary Supplement Cover
  • No War Injury Cover
  • No Obesity/Weight Cover

Oriental Jan Arogya Policy(Other Benefits)

  • Pre- Hospitalization
  • Post-Hospitalization
  • Ambulance Cover
  • Cost of Organ Covered
  • Naturopathy Cover

Oriental Jan Arogya Policy(Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age -70 Years
  • SI -Rs 5000
  • Waiting Period - 30 Days

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
  • Female Maturity benefit
  • Personal Accident Cover

Pravasi Bharatiya Bima Yojana(Pros)

  • Air Ambulance
  • Permanent Disability Cover
  • Dead Body Carriage Expenses
  • Legal Expenses Covered
  • Mental Illness Cover

Pravasi Bharatiya Bima Yojana(Cons)

  • No Suicide Cover
  • No Unproven Treatment Cover
  • No Biological Injury Cover
  • No War Injury Cover
  • No Obesity/Weight Cover

Pravasi Bharatiya Bima Yojana(Other Benefits)

  • Oral chemotherapy
  • Nursing Expenses
  • Robotic surgeries
  • Deep Brain stimulation
  • AYUSH Cover

Pravasi Bharatiya Bima Yojana(Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 60 Years
  • SI - 10 L
  • Waiting Period - 30 Days

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

  • Advanced surgeries covered
  • No Pre-acceptance till 55 years
  • AYUSH treatment covered

Super Health Top-up (Pros)

  • Organ Donor Benefit
  • Day Care Treatment Cover
  • Room Boarding Expenses
  • Newborn Baby Cover
  • SAARC Countries Cover

Super Health Top-up (Cons)

  • No Suicide Cover
  • No Unproven Treatment Cover
  • No Biological Injury Cover
  • No War Injury Cover
  • No Obesity/Weight Cover

Super Health Top-up (Other Benefits)

  • Maternity Cover
  • Nursing Expenses
  • Pre- Hospitalization
  • Post -Hospitalization
  • ICU Charges Covered

Super Health Top-up (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 3L to 5L
  • Waiting Period - 30 Days

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

Health of Privileged Elders(Pros)

  • Domiciliary Expenses Covered
  • Eye Surgery Cover
  • Dental surgery Expenses
  • Parental Chemotherapy Cover
  • Orthopedic Diseases Cover

Health of Privileged Elders(Cons)

  • No Arthritis Cover
  • No Upper Respiratory Cover
  • No Biological Injury Cover
  • NoRheumatism Cover
  • No Obesity/Weight Cover

Health of Privileged Elders(Other Benefits)

  • No Claim Bonus
  • Accidental Injury
  • Knee Replacement
  • Chronic Renal Failure
  • Cancer Charges Covered

Health of Privileged Elders(Eligibility Criteria)

  • Entry Age - 60 Years
  • Max Entry Age -NA
  • SI -1 L to 5L
  • Waiting Period - 30 Days

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

Overseas Mediclaim Policy (E & S)(Pros)

  • Spouse Cover
  • Ambulance Cover
  • Permanent total disablement
  • Air Ticket Covered
  • Serious Injury Covered

Overseas Mediclaim Policy (E & S)(Cons)

  • No Pre Existing Disease Cover
  • No Dental Cover
  • No Cosmetic Surgery Cover
  • No War Injury Cover
  • No Obesity/Weight Cover

Overseas Mediclaim Policy (E & S)(Other Benefits)

  • Repatriation of Remains
  • Medical Evacuation
  • Legal Coverage
  • Contingency Insurance
  • Medical Expenses Benefits

Overseas Mediclaim Policy (E & S)(Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age -65 Years
  • SI - US $ 5,000
  • Waiting Period - 30 Days

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 Dengue Kavach Policy(Pros)

  • Spouse Cover
  • Dependent Child Covered
  • 5% Online Discount
  • Parent In-law Cover
  • No Medical Checkup

Oriental Dengue Kavach Policy(Cons)

  • No Suicide Cover
  • No Maternity Cover
  • No Dietary Supplement Cover
  • No War Injury Cover
  • No Obesity/Weight Cover

Oriental Dengue Kavach Policy(Other Benefits)

  • Pre- Hospitalization
  • Post-Hospitalization
  • Ambulance Cover
  • Divorced Daughter Cover
  • Easy Claim Processing

Oriental Dengue Kavach Policy(Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age -70 Years
  • SI -Rs 10000- Rs 20000
  • Waiting Period - 30 Days

Oriental Overseas Mediclaim Policy (B & H)

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

Overseas Mediclaim Policy (B & H)(Pros)

  • Loss of Limb Cover
  • Loss of Eye Covered
  • Permanent total disablement
  • Room Rent Covered
  • Serious Injury Covered

Overseas Mediclaim Policy (B & H)(Cons)

  • No Suicide Cover
  • No Maternity Cover
  • No Dietary Supplement Cover
  • No War Injury Cover
  • No Obesity/Weight Cover

Overseas Mediclaim Policy (B & H)(Other Benefits)

  • Repatriation of Remains
  • Medical Evacuation
  • Annual Multi-Trip Insurance
  • Contingency Insurance
  • Medical Expenses Benefits

Overseas Mediclaim Policy (B & H)(Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age -65 Years
  • SI -NA
  • Waiting Period - 30 Days

Oriental Critical Illness Policy

A plan that covers 22 critical illnesses including kidney and lung failure. The policy covers spouse, dependent child, parents-in-law and unmarried siblings.

Unique Features

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

Critical Illness Policy(Pros)

  • Open heart replacement Cover
  • Cancer Cover
  • Benign brain tumor Covered
  • Bone marrow transplant
  • Loss of speech Covered

Critical Illness Policy(Cons)

  • No Coronary Syndromes Cover
  • No Other stem-cell transplants
  • No Angioplasty Cover
  • No Angina Pectoris Cover
  • No Coma Cover

Critical Illness Policy(Other Benefits)

  • Permanent paralysis of limbs
  • 10% Buying Online Discount
  • 10% Family Discount
  • Third Degree Burn Covered
  • Loss of Limbs Cover

Critical Illness Policy(Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age -65 Years
  • SI - Upto 20 Lakh
  • Waiting Period - 90 Days

Oriental Mediclaim Insurance Policy (Group)

It is a group health insurance plan that covers hospitalization and maternity expenses. The plan also covers low-claim discounts.

Unique Features

  • Mental Illness Cover
  • HIV Cover
  • Newborn baby expenses

Mediclaim Insurance Policy (Group) (Pros)

  • Diabetes Cover
  • Daily Hospital Cash
  • AYUSH Cover
  • Hernia surgery Cover
  • Psychiatrist Cover

Mediclaim Insurance Policy (Group) (Cons)

  • No Suicide Cover
  • No Gender Change Cover
  • No War Injury Cover
  • No Drug Abuse Cover
  • No Obesity Cover

Mediclaim Insurance Policy (Group) (Other Benefits)

  • Pre- Hospitalization
  • Post- Hospitalization
  • Indemnity Cover
  • Inpatient Cover
  • Daycare procedures Covered

Mediclaim Insurance Policy (Group) (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - NA
  • Waiting Period - 30 Days

Oriental Saksham Swatha Policy

The plan includes hospitalization, and Medical Advice. It also covers mental illness and modern treatments.

Unique Features

  • Experimental Treatment
  • Surgical Procedures Cover
  • Accident Injury Cover

Oriental Saksham Swatha Policy(Pros)

  • Day Care Treatment
  • AYUSH Cover
  • Emergency Care
  • Maternity Expenses Covered
  • Cataract Treatment covered

Oriental Saksham Swatha Policy(Cons)

  • No Suicide Cover
  • No Dental Cover
  • No Stem Cell Surgery Cover
  • No War Injury Cover
  • No Obesity/Weight Cover

Oriental Saksham Swatha Policy(Other Benefits)

  • Newborn Baby Cover
  • ICU Cover
  • OPD Treatment
  • Pre-Existing Disease Covered
  • Customary Charges

Oriental Saksham Swatha Policy(Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age -65 Years
  • SI - 4 L to 5L
  • Waiting Period - 30 Days

A plan for people with native bank accounts, includes coverage for pre-existing conditions, assisted reproductive techniques and hospitalization.

Unique Features

  • AYUSH treatment
  • Modern Treatment
  • Mental Illness Cover

Bank Sathi Policy(Pros)

  • Maternity Expenses covered
  • New Born Baby Cover
  • Road Ambulance Cover
  • Maternity Expenses Covered
  • Teleconsultation covered

Bank Sathi Policy(Cons)

  • No Suicide Cover
  • No Dental Cover
  • No Stem Cell Surgery Cover
  • No War Injury Cover
  • No Obesity/Weight Cover

Bank Sathi Policy(Other Benefits)

  • ICU cover 2% of SI
  • 3 Dependent Child Cover
  • Midterm inclusion allowed
  • Hospital Daily cash
  • Cashless Claim Settlement

Bank Sathi Policy(Eligibility Criteria)

  • Entry Age - 3 Months
  • Max Entry Age -70 Years
  • SI - 2 L to 25L
  • Waiting Period - 30 Days

Oriental Cancer Project Policy

A plan specifically designed for the treatment of cancer, Dialysis and post-treatment follow-up. It offers Cancer Care Benefits even in SAARC Countries.

Unique Features

  • Advanced Metastatic Cancer
  • Teleconsultation Expenses
  • Cumulative Bonus

Cancer Project Policy(Pros)

  • Room Rent covered
  • Nursing Expenses Covered
  • Road Ambulance Cover
  • ICU expenses covered
  • Air Ambulance Cover

Cancer Project Policy(Cons)

  • No Suicide Cover
  • No Dental Cover
  • No Stem Cell Surgery Cover
  • No War Injury Cover
  • No Obesity/Weight Cover

Cancer Project Policy(Other Benefits)

  • Emergency Medical Evacuation
  • Organ Donor Expenses
  • OPD Cover
  • Second Medical Opinion Covered
  • Emergency Evacuation Care

Cancer Project Policy(Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age -65 Years
  • SI - 5 L to 50L
  • Waiting Period - 75 Days

Oriental Group Arogya Sanjeevani Policy

A standard health insurance plan that covers, hospital room rent (stay and bed charges), ICU services, and even new-age treatments.

Unique Features

  • ICU/ICCU Cover
  • Cataract Surgery
  • 5% Cumulative Bonus

Group Arogya Sanjeevani Policy(Pros)

  • AYUSH Cover
  • Plastic Surgery
  • Dental Cover
  • ICU expenses covered
  • Ambulance Cover

Group Arogya Sanjeevani Policy(Cons)

  • No OPD Cover
  • No Dental Cover
  • No Stem Cell Surgery Cover
  • 2% Room Rent Capping
  • 5% compulsory copayment

Group Arogya Sanjeevani Policy(Other Benefits)

  • Deep Brain Stimulation Cover
  • Stem Cell Therapy Covered
  • Oral Chemotherapy
  • Room Rent Covered
  • COVID-19 Cover

Group Arogya Sanjeevani Policy(Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age -65 Years
  • SI - 10L to 20L
  • Waiting Period - 30 Days

Oriental Health Insurance Plans: FAQ's

1. Will Oriental Insurance accidental policy cover deaths caused due to road accidents?

Yes, specified personal accidents including road mishaps are covered under this policy.

2. Does Oriental Insurance's accidental personal policy cover worldwide accidental deaths?

Yes, it covers death caused due to an accident outside India as well.

3. Is there any variant for this plan?

Check in the 'specifications' section of this page to know the names of different variants under Oriental Insurance's personal accident policy.

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Read Reviews & Ratings

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Richa Agrrawal

Mumbai

May 1, 2023

my experience with PolicyX has been overwhelmingly positive. Their excellent service, a wide range of insurance options, user-friendly website, competitive pricing, and trustworthiness make the...

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Ritika

Kanpur

June 9, 2022

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

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Simran C

Delhi

October 19, 2021

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

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Sukhi singh

Delhi

October 18, 2021

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

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Kamakshi

Bengaluru

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

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Himesh Nigam

Chandigarh

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!

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Harma Bajwa

Mumbai

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

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Karim Suleiman

Jaipur

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...

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Simran Nirala

Written By: Simran Nirala

Simran has an experience of 3 years in insurance content writing. She transitioned from hospitality to the insurance industry after her emerging interest in how vast insurance is. With her ability to write complex insurance concepts in a simple, relatable manner she keeps her audience hooked and solves their doubts smoothly.