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

Network hospitals

3500+

premium

Incurred claim ratio

130.09%

premium

Sum insured

Up to 50 Lakh

premium

No. of Plans

13

premium

Solvency Ratio

0.6

premium

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

Incurred claim ratio

130.09%

premium

Sum insured

Up to 50 Lakh

premium

No. of Plans

13

premium

Solvency Ratio

0.6

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.

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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

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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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...

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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...

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.

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