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Oriental Health Insurance for Senior Citizens

Avail No claim Bonus
Comprehensive Cover
AYUSH Treatments

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+

Customized Health Insurance Plan for you.

Get upto 15% Online Discount*

Select Members You Want To Insure

1 Adult

2 Adults

2 Adults & 1 Child

2 Adults & 2 Children

2 Adults & 3 Children

Other Members

Age of Eldest Member

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+

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.

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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:

Claim Process

Click to know Oriental Individual Mediclaim Claim Process.

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.

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

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

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 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)

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 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

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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% & 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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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.

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