Network hospitals
3500+
Incurred claim ratio
130.09%
Sum insured
Up to 50 Lakh
No. of Plans
13
Solvency Ratio
0.6
Pan India Presence
1800+
Network hospitals
3500+
Incurred claim ratio
130.09%
Sum insured
Up to 50 Lakh
No. of Plans
13
Solvency Ratio
0.6
Pan India Presence
1800+
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 cover a wide range of medical expenditures incurred due to illness, sickness, disease, or accident to the insured.
Oriental Health Insurance
The below-mentioned features will help you to evaluate the company's performance and its highlights in an elaborated manner.
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.
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
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
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
Covers hospitalization charges for the individual and family members. It is a standard plan that covers many illnesses and annual medical checkups.
Unique Features
It provides health insurance coverage to the financially constrained sections of society at very nominal premiums ranging between Rs. 50 to 70.
Unique Features
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
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
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
Coverage for medical expenses of various ailments to the policyholders residing outside of India for study and employment.
Unique Features
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
A combination of travel and health insurance that contains health benefits and offers coverage against loss during travel abroad.
Unique Features
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
It is a group health insurance plan that covers hospitalization and maternity expenses. The plan also covers low-claim discounts.
Unique Features
The plan includes hospitalization, and Medical Advice. It also covers mental illness and modern treatments.
Unique Features
A plan for people with native bank accounts, includes coverage for pre-existing conditions, assisted reproductive techniques and hospitalization.
Unique Features
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
A standard health insurance plan that covers, hospital room rent (stay and bed charges), ICU services, and even new-age treatments.
Unique Features
Oriental Health Insurance offers a wide range of health plans that shell out several benefits. Below mentioned are some of the benefits that one can avail with Oriental Health Insurance plans.
Oriental Health Insurance Company has made the process of buying health insurance easy and convenient. Just follow the below steps and buy secure the healthcare needs of your loved ones today:
There are two processes to register a claim: Cashless and Reimbursement process.
In case if you want to avail of a cashless claim and are admitted to a network hospital then follow the below steps:
In case of emergency hospitalization, the insurer must be informed within 24 hours of hospitalization or getting admitted to the hospital.
The company may ask for any other documents if required.
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.
Oriental House, A-25/27, Asaf Ali Road, New Delhi - 110002
csd@orientalinsurance.co.in
011-43659595
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 the further process.
The premiums for Oriental Insurance Mediclaim Policies can be paid in cash at the branch or via online methods. Online payments can be made using net banking, credit, or debit cards.
Log in to the e-Portal with your registered user ID and password if you are a registered policyholder. You may have all the policy-related details after you've logged in.
There is no limit on the claims you can make in a policy year. However, keep in mind that the claims made should not exceed the sum insured chosen by you.
Yes. as per Section 80D of the Income Tax Act, you are eligible to avail a tax exemption under Oriental Health Insurance policies.
No, the company does not have any specific health insurance plan for children. However, if you want to cover your child, you can cover them in family floater plans.
In case you forgot to pay your heath insurance premiums on time, the company will offer a grace period wherein you can pay your outstanding premiums.
No, the company does not offer any maternity specific health plan, however, it offer several plan wherein one can avail the coverage against maternity.
The company offers a seperate grievance redrealla team that can be contacted via:Grievance Nodal Officers at Head Office and Regional Offices- Smt. Anita Sharma , Chief Manager, Customer Service Department 4th Floor, Aggarwal House Asaf Ali Road, New Delhi-110002. Email: csd@orientalinsurance.co.in
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See More Health Insurance Articles
Read what our customers have to say about Oriental Health Insurance Company
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...
Ritika
Kanpur
June 9, 2022
I purchased an insurance plan from oriental insurance and I am happy to be a part of this organization.
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
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
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
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!
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
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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