Oriental Health Insurance for Senior Citizens

Oriental Health Insurance for senior citizens is designed ex ...Read More

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Simran saxena

Health and Term Insurance

Simran has over 4 years of experience in content marketing, insurance, and healthcare sectors. Her motto is to make health and term insurance simple for our readers has proven to make insurance lingos simple and easy to understand by our readers.

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Reviewed By:
Raj Kumar

Raj Kumar

Health Insurance

Raj Kumar has more than a decade of experience in driving product knowledge and sales in the health insurance sector. His data-focused approach towards business planning, manpower management, and strategic decision-making has elevated insurance awareness within and beyond our organisation.

Updated on Nov 17, 2025 4 min read

Oriental Health Insurance for Senior Citizens

Oriental Health Insurance for senior citizens is designed exclusively for senior citizens offering multiple sum insured options starting from 1 Lakh to 5 Lakhs. Oriental insurance for senior citizens is a robust and comprehensive health plan that provides not only tax benefits to policyholders but an all-around protection against medical emergencies.

Oriental Insurance for Senior Citizens provides all-around coverage with a promise to offer financial assistance against medical emergencies, including hospitalization costs, health checkups, critical illness, etc. Oriental Health Insurance for Senior Citizens is an essential tool in giving your parents a comfortable life post-retirement.

Oriental Health Insurance for Senior Citizens Benefits

With Oriental Insurance for senior citizens, policyholders get coverage against sudden hospitalization, treatment of illnesses, surgeries, and more. Oriental Insurance for Senior Citizens is designed specifically to cater to the medical needs of senior citizens and encompasses multiple benefits.

  • Varied Sum Insured Oriental Insurance for Senior Citizens offers varied sum insured options for senior citizens. Policyholders can avail sum insured ranging from 1 lakh to 5 lakhs.
  • Pre & Post Hospitalization Cover Policyholders are covered for up to 30 days and 60 days respectively for pre and post-hospitalization expenses under Oriental Insurance for Senior Citizens.
  • AYUSH Treatments Oriental Insurance for Senior Citizens offers Ayurvedic, Unani, and Homeopathic treatment in Govt. Hospitals and network hospitals to policyholders facilitating quality medical care to senior citizens.
  • Discounts Oriental Insurance for Senior Citizens offers policyholders no-claim discounts. Senior citizens are eligible for a No Claim Discount at the rate of 5% every claim-free year subject to a maximum of 20%.
  • Tax Benefits When policyholders invest in Oriental Senior Citizen Health Insurance for Senior Citizens they are eligible for a tax benefit under section 80D of The Income Tax Act of 1961.

Oriental Health Insurance for Senior Citizens Eligibility Criteria

 

Entry Age

Minimum: 60 Years

 

Entry Age Max.

Maximum: Lifelong, no bar

 

Policy Term

1 Year

 

Plan Type

Senior Citizens Floater

 

Sum Insured

1 L |2 L | 3 L | 4 L | 5 L

 

Initial Waiting Period*

30 Days*

Oriental Senior Citizen Health Insurance Inclusions

Inclusions of Oriental Health Insurance Plans for Senior Citizens include:

Pre and post-hospitalization expenses

Annual Health Check-up

Daycare Treatments

Ambulance cover

AYUSH coverage

Domiciliary Hospitalisation

Oriental Senior Citizen Health Insurance Exclusions

Exclusions of Oriental Health Insurance Plan for Senior Citizens include:

Hospitalization out of war, riot, strike, and nuclear weapons

Intentional self-injury

AIDS

Adventure Sports Injuries

Cosmetic or obesity-related surgeries

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To cater to the different medical needs of an individual & their family, Oriental Health Insurance offers several Health Plans ranging from senior citizen plans to specialized plans for autistic children, to health insurance for cardiac patients, and many more.Take a look below to Oriental Health Insurance plans explore more:

Individual

Individual Mediclaim Policy

Individual Mediclaim Policy

Oriental Individual Mediclaim by Oriental Health Insurance is an affordable health insurance policy that is designed to take care of all your medical ...

Unique Features

  • AYUSH Benefits Covered
  • Inclusions and Exclusions
  • Lifetime Renewability

Individual Mediclaim Policy (Pros)

Individual Mediclaim Policy
  • Family discount
  • Voluntary co-payment
  • Daily hospital cash

Individual Mediclaim Policy (Cons)

Individual Mediclaim Policy
  • Alcoholism and drug abuse
  • Obesity
  • Cosmetic procedures

Individual Mediclaim Policy (Other Benefits)

Individual Mediclaim Policy
  • Personal accident cover
  • Medical second opinion
  • Multiple SI options

Individual Mediclaim Policy (Eligibility Criteria)

Individual Mediclaim Policy
  • Min entry age: 18 Years
  • Max entry age: 65 Years
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 50 L

Individual and Family Health Insurance

PNB Oriental Royal Mediclaim Insurance Policy

PNB Oriental Royal Mediclaim Insurance Policy

PNB Oriental Royal Mediclaim policy introduced by Oriental Health Insurance provides comprehensive coverage to the account holders of Punjab National ...

Unique Features

  • Individual and Family Floater
  • AYUSH Cover
  • Check the Eligibility Criteria

PNB Oriental Royal Mediclaim Insurance Policy (Pros)

PNB Oriental Royal Mediclaim Insurance Policy
  • Covers family
  • High sum insured
  • Ambulance cover

PNB Oriental Royal Mediclaim Insurance Policy (Cons)

PNB Oriental Royal Mediclaim Insurance Policy
  • Illegal activities
  • Alcoholism and drug abuse
  • Obesity

PNB Oriental Royal Mediclaim Insurance Policy (Other Benefits)

PNB Oriental Royal Mediclaim Insurance Policy
  • Pre and post-hospitalization
  • Multiple variants
  • Daily hospital cash

PNB Oriental Royal Mediclaim Insurance Policy (Eligibility Criteria)

PNB Oriental Royal Mediclaim Insurance Policy
  • Min entry age: 18 Years
  • Max entry age: 79 Years
  • Initial waiting period: 30 Days
  • Sum insured: Up to 10 L

Individual and Family Health Insurance

Oriental Happy Family Floater Policy

Oriental Happy Family Floater Policy

Oriental Family Floater Policy offers versatile coverage options to their policyholders. Oriental Health Insurance designed the plan to align with dif...

Unique Features

  • International Cover
  • Multiple Discount Benefits
  • E-Consultation Available

Oriental Happy Family Floater Policy (Pros)

Oriental Happy Family Floater Policy
  • Domiciliary hospitalization
  • Pre and post-hospitalization
  • Newborn baby expenses

Oriental Happy Family Floater Policy (Cons)

Oriental Happy Family Floater Policy
  • Illegal activities
  • Alcoholism and drug abuse
  • Obesity

Oriental Happy Family Floater Policy (Other Benefits)

Oriental Happy Family Floater Policy
  • Tele consultation
  • Telemedicine
  • Accidental death benefit

Oriental Happy Family Floater Policy (Eligibility Criteria)

Oriental Happy Family Floater Policy
  • Min entry age: 18 Years
  • Max entry age: 65 years
  • Initial waiting period: 30 days
  • Sum Insured: Up to 50 L

Accident Health Insurance

Oriental Personal Accident Policy

Oriental 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 ...

Unique Features

  • Covers you globally
  • Optional medical cover
  • Accidental loss compensation

Oriental Personal Accident Policy (Pros)

Oriental Personal Accident Policy
  • Accidental death
  • Injury
  • Permanent total disability

Oriental Personal Accident Policy (Cons)

Oriental Personal Accident Policy
  • Obesity
  • Illegal activities
  • Cosmetic Procedures

Oriental Personal Accident Policy (Other Benefits)

Oriental Personal Accident Policy
  • Permanent partial disability
  • Temporary total disability
  • Worldwide accidental cover

Oriental Personal Accident Policy (Eligibility Criteria)

Oriental Personal Accident Policy
  • N/A

Group Health Insurance

Oriental Bank Saathi Policy

Oriental Bank Saathi Policy

The Bank Saathi Policy of Oriental Insurance is a group health insurance plan designed to provide indemnity to insured individuals and their family me...

Unique Features

  • 2 Plan Variants
  • Newborn Baby Cover
  • Modern Treatment

Oriental Bank Saathi Policy (Pros)

Oriental Bank Saathi Policy
  • Maternity & newborn cover
  • Medical second opinion
  • Mental illness cover

Oriental Bank Saathi Policy (Cons)

Oriental Bank Saathi Policy
  • Illegal activities
  • Alcoholism
  • Adventure sports

Oriental Bank Saathi Policy (Other Benefits)

Oriental Bank Saathi Policy
  • Tax benefits
  • AYUSH treatment
  • Modern treatments

Oriental Bank Saathi Policy (Eligibility Criteria)

Oriental Bank Saathi Policy
  • Min entry age: 18 Years
  • Max entry age: 65 Years
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 25 L

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Customer Support of Oriental Insurance

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Oriental Health Insurance Premium Calculator

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PNB Oriental Insurance Renewal

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Oriental Health Claim Settlement Ratio

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Oriental Health Policy Download

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Oriental Health Insurance for Senior Citizens: FAQs

1. What are the eligibility criteria for Oriental Health Insurance for Senior Citizens?

Oriental Health Insurance for Senior Citizens can be purchased by individuals of 60 years and above with no maximum age limit.

2. Are there any waiting periods under Oriental Health Insurance for Senior Citizens?

Yes, there are a few waiting period conditions such as Pre - Existing diseases - 48 months Intial Waiting Period - 30 days Specific Ailments - 48 Months

3. What is the co-pay clause under Oriental Health Insurance for Senior Citizens?

Oriental Health Insurance for Senior Citizens offers policyholders a voluntary co-payment on the basis of which policyholders get discounts on premiums Co-payment Opted Discounts 10% 10 % 20% 20 % 30% 30 % 40% 40 % 50% & above 50%

4. Are there any discounts available under Oriental Health Insurance for Senior Citizens?

Yes, Policyholders can avail no claim discounts up to 20% in case they have a claim-free year.

5. Will policyholders have to undergo a pre-policy medical check-up before purchasing any Oriental Health Insurance for Senior Citizens?

Yes, policyholders have to undergo a pre-policy medical check-up before purchasing any Oriental Insurance for Senior Citizens.

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Simran saxena

Written By: Simran Saxena

Simran has over 4 years of experience in content marketing, insurance, and healthcare sectors. Her motto is to make health and term insurance simple for our readers has proven to make insurance lingos simple and easy to understand by our readers.

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