• Oriental Health Insurance - Compare plans, reviews & renew online

    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 31 regional offices.

    Oriental Health Insurance HighlightsUpdated on 26 Jun 2019

    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 Sum Insured
    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
    Pravasi Bharatiya Bima Yojana (PBBY) 2017 Individual Rs.10 lakh
    Oriental Mediclaim Policy(OBC) 2017 Individual/Family Min: Rs.1 lakh Max: Rs.10 lakh
    PNB 2017 Individual/Family Min: Rs.1 lakh Max: Rs.10 lakh
    Oriental Happy Cash Policy Individual/Family Min: Rs.500 Max: Rs.3,000

    *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

    Pravasi Bharatiya Bima Yojana (PBBY) 2017

    Individuals who wish to go overseas for employment may apply for this insurance policy, provided they have received the emigration clearance as requested.

    Unique Features of Pravasi Bharatiya Bima Yojana (PBBY) 2017

    • If the insured person is permanently disabled or faces death, his/her family in India will be provided hospitalisation coverage on floater basis up to Rs.50,000 per annum.
    • Female policyholders can also avail maternity benefits up to Rs.35,000 under the policy.
    • In case of death or disability of the policyholder, the airfare for an attendant to travel to the nearest airport of the insured’s address is provided. Also, the airfare to transport the insured person, or the insured person’s dead body in case of death, is provided.
    • If the policyholder faces a litigation with respect to his employment, the company will reimburse a maximum of Rs.45,000 towards the legal expenses.

    Plan Details

    Plan basis Individual
    Sum insured Rs.10 lakh
    Policy Term
    • 2 years
    • 3 years
    Premium
    • Rs.275 for 2 years
    • Rs.375 for 3 years

    Oriental Mediclaim Policy (OBC) 2017

    This health insurance policy is offered to individuals as well as families and provides comprehensive health coverage.

    Unique Features of Oriental Mediclaim Policy (OBC) 2017

    • Daily hospital cash of Rs.200 is provided to the insured person for every day of hospitalisation, provided the maximum compensation for that particular policy year is Rs.1,000.
    • A total of 116 day-care procedures such as cancer chemotherapy, haemodialysis, nasal sinus aspiration, incision of cornea, etc. are covered under the policy.
    • The expenses incurred by organ donors for an organ transplant is covered by the insurance company.
    • Expenses incurred on nursing, boarding, and room expenses are covered up to 1% of the sum insured of the policy per day.
    • Any ICU expenses incurred by the insured individual will be provided up to a maximum limit of 2% of the sum insured of the policy per day.

    Plan Details

    Plan basis Individual/Family
    Entry age 18 years to 79 years
    Sum insured Rs.1 lakh to Rs.10 lakh
    Premium Rs.2,511 to Rs.24,018

    PNB Oriental Royal Mediclaim 2017

    A comprehensive health insurance policy, PNB 2017, provides coverage for a wide range of medical expenses including hospitalisation as well as pre and post-hospitalisation.

    Unique Features of PNB Oriental Royal Mediclaim 2017

    • Ambulance charges incurred by family members to transport the insured person or funeral charges in case of death of the insured is also provided to the family members.
    • Domiciliary hospitalisation benefits are also available to the insured members of the policy.
    • Apart from the hospital room and ICU expenses, the surgeon’s fees, consultants’ fees, anesthetist fees, etc. are also covered under the policy.
    • Pre-existing diseases are covered after completion of the first 3 years of the policy tenure.

    Plan Details

    Plan basis Individual/Family
    Entry age 18 years to 79 years
    Sum insured Rs.1 lakh to Rs.10 lakh
    Premium Rs.2,511 to Rs.24,018

    Oriental Happy Cash

    This is a simple add-on health insurance policy that will help enhance the base insurance policy chosen by the individual. The Cash Benefit policy provides cash benefits to the insured on being hospitalised.

    Unique Features of Oriental Happy Cash

    • For individuals who are hospitalised for more than 30 to 60 consecutive days, the insurance company provides a convalescence benefit as a lump sum amount in addition to the daily cash benefit.
    • Female individuals covered under the policy are provided with extra daily cash benefit without charging any extra premium.
    • Policyholders are given the option to choose 1 day or 2 days deductible. They can also opt for no deductible.
    • The discounts available on the premium payable are as follows:
      • Family discount of 5% for inclusion of 2 members in the policy and 7.5% for inclusion of more than 2 members in the policy
      • Loyalty discount of 10% is offered if the policyholder has another policy under Oriental Insurance Company
      • Staff discount of 33% is provided for Oriental Insurance Company employees

    Plan Details

    Plan basis Individual/Family
    Sum insured
    • Rs.500
    • Rs.1,000
    • Rs.2,000
    • Rs.3,000
    Premium Varies based on deductible chosen, daily cash benefit period chosen, and the age of the insured

    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

    FAQs on Oriental Health Insurance

    1. How can I contact the customer care of Oriental Health Insurance?
    2. The two customer care numbers of Oriental Health Insurance are:

      • Toll-free: 1800 11 8485
      • Non-toll-free: 011 33208485
    3. How do I know how much premium I have to pay for my health insurance policy?
    4. Oriental provides quotes online. To get a quote, visit the official website of the company, scroll down to the ‘Get a Quote’ tab, select the product for which you want the quote, and click ‘Go’. Fill in all the necessary details on the redirected page to get the premium amount payable towards the policy.

    5. Can I intimate claims online?
    6. Yes, you can login to your account and intimate claims.

    7. Can I buy health insurance plans online?
    8. You can buy the Personal Accident Policy, Janata Personal Accident Policy, Individual Mediclaim Policy, Overseas Mediclaim Policy, and Happy Family Floater Policy online.

    9. Can I renew my policy online?
    10. Yes, you can renew your policy online on the official website of Oriental Insurance. You have to provide your policy number to go ahead with the renewal process.

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