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  • Oriental Health Insurance

    Health Insurance
    • Premiums as low as Rs.5 Lakhs
    • 10,000+ hospitals for cashless treatment
    • Claim up to Rs. 55,000 deduction under section 80D**

    Headquartered in New Delhi, Oriental Insurance Company Ltd. is a market leader in providing insurance solutions. Apart from health insurance products, they also offer motor insurance, personal accident insurance, shopkeeper, householder and Nagrik insurance services. They have over 1,800 branches in the country with 30 regional offices.

    Oriental Health Insurance HighlightsUpdated on 17 Aug 2018

    Factor Details
    Health insurance plans 10 different health insurance plans
    E-services offered
    • Buy policy online
    • Renew policy online
    • Get premium quote for preferred policies online
    • Open e-Insurance Account through official website
    Branch offices 31 regional offices and 1,800 operating offices
    Incurred claims ratio (2016-17) 118.23%
    Network hospitals Available in most major cities of India

     

    Features & Benefits of Oriental Health Insurance

    • Comprehensive policies - Oriental Insurance offers a number of attractive plans to suit various needs. The health plans provide good coverage against illnesses and also come with added benefits, discounts and rider options.
    • Cashless network hospitals - Equipped with a wide range of cashless network hospitals, Oriental offers good quality services to consumers without any hassles.
    • Easy online purchase - A prospective buyer can instantly get an insurance quote online by providing a few simple details. If satisfied with the quote, payment can be made online without any inconvenience by following a few steps.
    • Hassle-free claim settlement - All claims can be made easily through the toll-free number or online. The customer needs to provide a few basic details and initiate the claim process. Claims can be either cashless claims or reimbursement claims.
    • Daily allowances - In the event of hospitalization, a certain fixed sum of money will be given to the policyholder for a fixed period of time to take care of the daily expenses incurred.
    • Free health check-up - Oriental Insurance offers customers the benefit of availing complimentary health check-ups after the completion of three claim free years.
    • Easy Renewal- Oriental Insurance offers the customer the ease of renewing policies online at the click of a button. This gives policyholders the added benefit of convenience and allows them to renew policies with ease.

    Plans provided by Oriental Health Insurance

    Plan Name Plan Basis(individual, family, etc) Sum Insured (Min and Max)
    Mediclaim Policy Individual Min: Rs.1 lakh Max: Rs.10 lakh
    Group Mediclaim Policy Group Min: Rs.2 lakh Max: Rs.5 lakh
    Health of Privileged Elder(HOPE) Individual Min:Rs.1 lakh Max:Rs.5 lakh
    Happy Family Floater Policy 2015 Group Silver - up to Rs.5 lakh Gold - up to Rs.10 lakh Diamond - up to Rs.20 lakh
    Jan Arogya Bima Policy Individual and Group Ranging around Rs.5,000

    *Premiums may vary depending upon factors like age, location, term of the plan and prevailing taxes/GST.

    Mediclaim Policy

    The Mediclaim Policy is an individual policy that offers comprehensive coverage, covers hospitalization and pre-hospitalization expenses, consultation charges and comes with a wide range of discounts and benefits.

    Unique Features of Mediclaim Policy

    • A total of 1% of the premium per day can be availed towards nursing charges, boarding and room charges
    • This policy covers ICU charges. A total of 2% of the sum insured can be used towards this on a daily basis during hospitalization
    • The other expenses that will be covered include specialist fees, expenses incurred towards Surgeons, anaesthetists, medical practitioners, and consultants
    • Other charges that may be covered are blood, oxygen, operation theatre charges, X-ray, artificial limbs, pacemaker, diagnostic tests, dialysis, radiotherapy, medicine and drugs, surgical appliance, etc
    • The other benefits offered include ambulance charges, daily hospital allowance, pre-hospitalization and post-hospitalization charges
    • In-patient expenses incurred towards Unani, Homeopathic and Ayurvedic treatment will be covered under the policy
    • A sum of Rs.5,000 will be provided towards any kind of animal bites such as dog, monkey, rabbit, etc

    Plan Details

    Entry Age Until 65 years
    Plan Basis Individual
    Sum Insured Range Min: Rs.1 lakh Max: Rs.10 lakh
    Co-Payment 10% or 20%
    Discounts Family discount of 10%, voluntary co-payment discount of 10 to 20%

    Group Mediclaim Policy

    The Group Mediclaim policy is an enhanced version of the Individual mediclaim policy that is designed for families. It offers good coverage and benefits.

    Unique Features of Group Mediclaim policy

    • A maximum sum of Rs.5,000 can be utilized per day towards nursing, boarding and room related expenses
    • A total sum of Rs.10,000 can be utilized for ICU expenses on a daily basis
    • Ambulance fee can be availed up to a maximum of Rs.2,000 to transport the person from their home to the hospital in question
    • Charges towards specialist, surgeons, operation theatre, medicines, dialysis, etc will be taken care of
    • All donor related expenses will be covered

    Plan Details

    Policy Term 1 year
    Entry Age 18 years
    Plan Basis Group
    Sum Insured Range Min: Rs.2 lakh Max: Rs.5 lakh
    Premium Shall be payable in advance
    Medical Screening A must for for aged above 45

    Health of Privileged Elder (HOPE)

    The HOPE policy is specifically designed for the older generation and covers certain specified illnesses such as accidental injury, cancer, knee replacement charges, renal failure and cardiovascular diseases, etc.

    Unique Features of Health of Privileged Elder (HOPE)

    • The diseases covered under this policy include Ophthalmic diseases, orthopaedic problems, benign prostate, stroke, chronic obstructive lung diseases, Hepato-biliary disorders, cancer, chronic renal failure, cardiac related problems, accidental injury and knee injury
    • All charges incurred towards ambulance fee will be reimbursed up to a maximum of Rs.1,000
    • ICU charges, room charges and nursing expenses will be taken care of under the policy
    • Fees given to specialist, consultants, medical practitioners, anaesthetists and surgeon related expenses will be covered
    • A no claim bonus discount of 5% will be provided to policyholders every year, extending up to a maximum of 20%, at the time of renewal

    Plan Details

    Policy Term 1 year
    Entry age Those above 60 years
    Plan Basis Individual
    Sum Insured Range Min:Rs.1 Lakh Max:Rs.5 lakh
    Premium Payable in advance
    Co-Payment 20%
    No Claim Bonus 5% to 20%

    Happy Family Floater Policy 2015

    Specially designed for families, this policy offers protection for the policyholder, the spouse and dependent children. Policyholders can choose go for the Silver, Gold or Diamond plan.

    Unique Features of the Happy Family Floater Policy 2015

    • The Diamond plan offers a higher coverage and sum assured amount, when compared to the Silver and Gold plans
    • Room charges and nursing charges under all the three options with variations on the maximum upper limit
    • Expenses related to surgeons, consultants and specialists will also be taken care of under the policy
    • A maximum of 2% of the sum insured can be used per day as ICU charges under the Silver and Gold plan. In the Diamond plan, a maximum of Rs.10 lakh can be used per day towards ICU charges
    • Transportation charges such as ambulance fee and daily allowances will be provided. Apart from this, the other provisions include attendant allowance, maternity expenses, newborn baby cover, donor expenses, pre and hospitalization expenses

    Plan Details

    Entry Age Between 18 to 65 years
    Plan Basis Group
    Sum Insured Range Silver - up to Rs.5 lakh Gold - up to Rs.10 lakh Diamond - up to Rs.20 lakh
    Premium Shall be payable in advance
    Co-Payment 10% for Silver plan

    Jan Arogya Bima Policy

    The Jan Arogya Bima Policy is a health insurance plan that is designed to benefit the economically weaker sections of society.

    Unique Features of Jan Arogya Bima Policy

    • This health insurance policy offers good coverage at comparatively lower premiums
    • The premium amount payable is Rs.70 for an adult and Rs.50 for a dependent
    • Policyholders can avail benefits up to a maximum of Rs.5,000

    Plan Details

    Entry Age Between 3 months to 70 years
    Plan Basis Group
    Sum Insured Range Rs.5,000
    Premium Rs.70

    Checklist before Buying Oriental Health Insurance

    • Keep all documents ready such as ID proof, etc
    • Before making a purchase decision read through all the plans and examine what suits personal needs
    • Choose the right sum insured amount and premium
    • Some of the factors to be considered before making a purchase include the plan basis, premium, entry age, number of benefits such as claim settlement ratio, etc

    Documents Required for Purchasing Oriental Health Insurance

    • ID and address proof
    • Medical certificate, if asked

    Reasons to choose Oriental Health Insurance

    Online purchase & renewal
    Wide range of benefits
    24/7 customer support
    Cashless network hospitals

    Incurred Claim Ratio of Oriental Health Insurance

    Incurred claim ratio basically refers to percentage of claims that are successfully solved by the insurance company in a given financial year.

    Year Incurred Claim Ratio
    2016-17 118.23%

    Extra Benefits from Oriental Insurance

    Mobile app services All insurance related processes such as purchase, renewal, claim initiation, etc, can be made through the app
    Complaint redressal All complaints or issues faced by the customer can be lodged as a formal complaint on their website through the ‘In Your Service’ option

    Oriental Insurance Renewal

    The Oriental Health insurance policy can be renewed online. Following are the steps to be followed for renewal:

    • Log on to the Oriental Insurance website
    • Click on the ‘renew online’ option and fill in policy details
    • Make the payment
    • A confirmation will be sent to your registered mobile number and email ID.

    Oriental Insurance Network Hospitals for Cashless Treatment

    Oriental Insurance provides pan India cashless hospitalization services. To locate the nearest empanelled hospital, log on to their website and click on the ‘Locator’ option. Then proceed to choose the ‘Network Hospital’ option. This will provide a detailed list of all the cashless hospital networks in India. The data will be available city-wise.

    Claim Procedure for Oriental Insurance

    Please follow the below steps to make a cashless claim:

    • Intimate the insurance provider and get approval
    • A health insurancecard needs to be presented as proof to the TPA
    • Bills shall be paid by the insurance company to the concerned hospital

    The following are the steps to make a reimbursement claim:

    • Fill in the claim form
    • All documents such as bills, invoices and discharge summary should be ready
    • Submit all documents
    • Reimbursements will be made in seven working days

    Terms and Conditions of the Insurer

    • Reimbursement cannot be claimed for medical treatment undergone in a country outside India unless mandated by the insurance policy
    • The policy will expire if it is not renewed within the grace period
    • If the insurance company at any point of time acquires information that the policyholder has provided wrong information, misrepresented facts or has failed to reveal the truth; the insurance company may act as it regards fit and cancel the policy.
    • Reimbursement claims will not be settled unless there is enough documentary evidence provided

    This insurance company/organisation is not a partner of Bankbazaarinsurance.com. The content provided here is for informational purposes only. Readers should visit the branch office/website of the insurer for more details. The logos, trademarks, and other intellectual property on display belong to their respective owners.

    Oreintal Health Insurance Reviews

    • review Health Insurance
      "Excellent policy and services"
      0.5 5.0/5 "Blown Away!"
      My health insurance is with Oriental Insurance. I been a customer with them for the last 10 to 11 years. I have had three to four claims and the process has been smooth every time I used their service. I have the medical card and I have used the cashless treatment. The medical coverage is for two lakhs for five members which is my family and I.
      Was this review helpful? 0
      , thane
      Reviewed on Jun 26, 2018
    • review Health Insurance
      "Process is good"
      0.5 5.0/5 "Blown Away!"
      The previous year I had my health insurance with Oriental insurance. It was a corporate policy and fortunately I had no claim experience. The medical coverage was good. It was for my family and I. The benefits were good too. In all no hassles in the process.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 22, 2018
    • review Health Insurance
      "Go cashless for health"
      0.5 3.0/5 "Satisfactory"
      The total policy coverage is for 6 lakhs for the health insurance from Oriental Insurance. Its a family floater were all the family members are included in the policy. Its a corporate insurance were i can opt for cashless treatment.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jun 11, 2018
    • review Health Insurance
      "Good policy benefits"
      0.5 3.0/5 "Satisfactory"
      With Oriental health insure i get a coverage of 3 lakhs. Its the corporate insurance which i have not claimed. They are providing family floater. As my family can also get treated with this insurance policy. Its a good policy.
      Was this review helpful? 0
      , mysore
      Reviewed on Jun 09, 2018
    • review Health Insurance
      "Need an improvement in services"
      0.5 1.0/5 "Really Bad"
      I have taken a health insurance policy with Oriental insurance. I had to physically purchase this policy as there is no online process. The coverage offered is for one lakh. I have taken this policy for my son. They need to improve on their services.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 07, 2018
    • review Health Insurance
      "Excellent Service "
      0.5 4.0/5 "Great!"
      My experience with Oriental Insurance was excellent. They always follow up in time, providing me with sufficient details about the claim information. I never experienced any delays with their communication. The claim process was really easy at the Kauvery hospitals. They're really aware about what's happening and always keep me posted which help me to avail their service in time.
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 16, 2018
    • review Health Insurance
      "Its Good"
      0.5 4.5/5 "Excellent!"
      The guy who manages my finance , suggested me this Oriental because of the max cover. But I am not sure about the complete benefits of the policy, but I believe they gave me total medical cover of Rs. 8 lakhs for my entire family as totally there are three members in my family.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Mar 06, 2018
    • review Health Insurance
      "a good product"
      0.5 4.0/5 "Great!"
      I had applied and got a Health Insurance from the insurer ORIENTAL INSURANCE. I have been using this policy since five years. But i didn't have any claim experience so i cant able to commit on it. But they are providing me no claim benefits. But i can recommend their product to friends and relatives which are looking for a perfect completed Health policy.
      Was this review helpful? 0
      , silvassa
      Reviewed on Feb 17, 2018
    • review Health Insurance
      "Essential Health Policy with claim features"
      0.5 5.0/5 "Blown Away!"
      I had an accidental injury before four year. I made a claim of Rs. 80,000 with Oriental Insurance. It got my reimbursement within 15 days but I didn't get the cash less. I submitted all the bills, medical file to them. They done the claim without any hassles, total medical cover was around Rs. 3 lakhs floater for the premium Rs. 4200.
      Was this review helpful? 0
      , gandhinagar
      Reviewed on Jan 08, 2018
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