List 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. 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 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

Oriental Mediclaim Insurance (Individual)

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

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
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

Group Health Plans

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

Oriental Bank Sathi Policy

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