Oriental Health Insurance for Senior Citizens
  • Avail No claim Bonus
  • Comprehensive Cover
  • AYUSH Treatments
Oriental Health Insurance
premium

Network hospitals

3500+

premium

Claim settlement ratio

90.18%

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Sum insured

Up to 50 Lakh

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No. of Plans

17

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Solvency Ratio

0.45

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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

Claim settlement ratio

90.18%

premium

Sum insured

Up to 50 Lakh

premium

No. of Plans

17

premium

Solvency Ratio

0.45

premium

Pan India Presence

1800+

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-round protection against medical emergencies.

Oriental Insurance for Senior Citizens provides all round 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.

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Oriental Health Insurance for Senior Citizens Benefits

With Oriental Insurance for Senior Citizen 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 offer 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.

Health Insurance for Senior Citizens

Health Insurance Companies

Oriental Health Insurance Plans for Senior Citizens

Oriental Health of Priviliged Elders (HOPE)

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

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 Citizen 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 Citizen include:

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

Intentional self-injury

AIDS

Adventure Sports Injuries

Cosmetic or obesity-related surgeries

Explore Oriental Health Insurance Plans

Know more about Oriental Health Insurance Plans for Senior Citizens, its claim process, buying process, and contact details by clicking on the sections below:

Buying Process

Click to know Oriental Individual Mediclaim Buying Process.

Contact Us

Feel free to contact us Oriental Health Insurance.

Renewal Process

Click to know Oriental Health Insurance Renewal Process.

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 20 lacs.

Unique Features

  • Geographical extension to SAARC countries
  • Midterm inclusion allowed
  • Assisted Reproduction Treatment

A one year policy covering medical expenses following hospitalization, domiciliary and otherwise.The plan offers coverage up to 10 Lakhs.

Unique Features

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

PNB- Oriental Royal Mediclaim

The policy focuses on securing the health of PNB account holders/employees and their families. The SI goes up to 10 lacs and covers 116 day care procedures.

Unique Features

  • Teleconsultation/Telemedicine covered
  • No Pre-medical check-up
  • Funeral Expenses covered

OBC-Oriental Mediclaim Policy

A medical expenses covering policy for the account holders of Oriental Bank of Commerce (OBC) and covers individuals and family. The SI is up to 10 lacs.

Unique Features

  • Teleconsultation/Telemedicine covered
  • 116 Day Care procedures
  • Coverage for funeral expenses

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

Oriental Aarogya Sanjeevani Policy

Arogya Sanjeevani is a standard health insurance plan that covers hospitalization expenses and comes with a sum insured of Rs 20 Lacs.

Unique Features

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

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 covered
  • In-patient hospitalization covered

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
  • Maternity benefit to female insured emigrants
  • Coverage against Personal Accident

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

  • Modern treatments and advanced surgeries
  • No Pre-acceptance till 55 years
  • AYUSH treatments without any sub-limits

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

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

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 Overseas Mediclaim Policy- Business and Holiday

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

Oriental Critical Illness Policy

The plan is designed to cover the policyholder who is diagnosed with any of the 22 specified critical illnesses.

Unique Features

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

Oriental Corona Kavach

Available on both an individual and family floater basis, it protects the policyholder from the expenses incurred due to COVID-19 treatment.

Unique Features

  • Road Ambulance Charges covered
  • Pre & Post hospitalization
  • AYUSH Expenses covered

Oriental Mediclaim Insurance Policy (Group)

Group Mediclaim Policy covers a target group, association, institution, or corporate batch of 50 families or 50 persons or more.

Unique Features

  • Maternity expenses covered
  • Domiciliary Hospitalization covered
  • HIV/AIDS Cover

Oriental Insurance Bank Saathi Policy - Group

A group health insurance product for the Bancassurance partners of the company. Prosper can include family and the Sum Insured goes up to 25 lacs.

Unique Features

  • ICU covered
  • Assisted Reproduction Technique covered
  • Newborn baby covered

Health Insurance Articles

What is OPD Cover?

What is OPD Cover?March, 2022

Oriental Health Insurance Plans : FAQ's

1. What is 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% & above50%

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.

What Our Customers Have to Say

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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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Siddharth Sharma

Coimbatore

September 8, 2021

guys i would 1000% recommend this insurer... when I first bought it, its support staff was great. and wehne it came to settling my recent medical bills, they stuck to their words

View All Oriental Health Insurance Reviews

Naval Goel

Reviewed By : Naval Goel

Naval Goel is the CEO & founder of PolicyX.com. Naval has an expertise in the insurance sector and has professional experience of more than a decade in the Industry and has worked in companies like AIG, New York doing valuation of insurance subsidiaries. He is also an Associate Member of the Indian Institute of Insurance, Pune. He has been authorized by IRDAI to act as a Principal Officer of PolicyX.com Insurance Web Aggregator.