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Oriental Health Insurance Benefits

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Highlights
Claim SettlementDedicated Team
Claim Settlement Ratio93.96%
COVID-19 CoverYes
Network Hospitals4,300+
Policies Sold12,50,812
RenewabilityLifelong
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Benefits of Oriental Health Insurance

Oriental Insurance Company is one of the largest public sector general insurance companies in India. The company offers a wide variety of health insurance plans that cover the insured against several healthcare expenses yet come at affordable premiums. A few of the key benefits that the insured can be gifted under its health insurance plans are cashless treatment facility, cover for expenses incurred on pre-hospitalisation and post-hospitalisation, ambulance charges, No Claim Bonus, maternity coverage, tax benefits, and many others. Also, the insurer has established a reputable name by providing a number of comprehensive health insurance policies for individuals, family, parents, parents-in-law, children, women, senior citizens, etc.

Besides, the company also provides policyholders with cover for critical illnesses, dedicated customer support, a grace period to renew the policy, portability feature, life-time renewability of the policies as other benefits of choosing a health insurance product of Oriental Insurance Company.

  • Additional Benefit of Free Health Check up

    Oriental Insurance Company reimburses the costs of health check-up undertaken once at the expiry of a block of every three continuous underwriting years. However, no claims should be reported during the block.
  • Additional Protection over Employer Coverage

    It’s true that an employer’s health insurance policy exclude some diseases and ailments from its cover. With a suitable health insurance policy of Oriental Insurance Company, you can enhance the coverage of your plan and enjoy additional protection.
  • Cashless Benefit

    Cashless treatment benefit is available at all network hospitals. So, you won’t meet a financial crunch at the time of a medical emergency.
  • Claim Settlement Ratio

    Claims Settlement Ratio (CSR) is referred to as the ratio of the settled claims against the total number of claims made in a financial year. CSR of Oriental Insurance Company during 2019-20 is 93.96%*. *CSR changes from time to time.
  • Coverage against Medical Expenses

    Health insurance policies by Oriental Insurance Company offer a wide coverage to individuals and families. The policies cover inpatient treatment, pre and post hospitalisation, daycare procedure, ambulance cover, domiciliary treatment, and so on.
  • Incurred Claim Ratio

    The Incurred Claims Ratio or ICR lets you know the overall value of all the claims that an insurer has paid against the total sum of premium collected. The Incurred Claims Ratio of the Oriental Insurance Company as per IRDAI is 113.86%*. *The ratio gets updated from time to time.
  • Tax Benefit

    The premium paid against a health insurance policy of Oriental Insurance Company lets you enjoy tax benefits under section 80D of the Income Tax Act.

Oriental Health Insurance Plan List

Name of PlanSum Insured
Corona Kavach PolicyMin: 1 day; Max: 65 years50,000 - 5 lakh Get Quotes Now
Corona Rakshak PolicyMin: 18 Years; Max: 65 Years50,000 - 2.5 lakh Get Quotes Now
Arogya Sanjeevani PolicyMin: 3 months; Max: 65 years1 Lakh - 5 Lakh Get Quotes Now
Critical Illness Policy (Discontinued)Min: 18 years; Max: 65 years2 Lakh - 50 Lakh Get Quotes Now
Dengue Kavach Policy (Discontinued)Min: 18 years; Max: 65 years Get Quotes Now
Happy Family Floater PolicyMin: 91 Days; Max: 70 Years1 Lakh Get Quotes Now
Happy Cash Min: 3 Months; Max: No Limit 500/day Get Quotes Now
HOPE (Health of Privileged Elders)Min: 60 Years; Max: No Limit1 Lakh Get Quotes Now
Individual Mediclaim PolicyMin: 18 Years; Max: 70 Years1 Lakh Get Quotes Now
Jan Arogya Bima PolicyMin: 5 years; Max: 70 years5000 Get Quotes Now

Oriental Health Insurance Top Up List

Name of PlanSum Insured
Super Health Top-upMin: 91 Days; Max: 70 Years3 Lakh Get Quotes Now

Health Insurance Calculator

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Oriental Health Insurance User Reviews

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What users are saying
  • All
  • Activated Whatsapp chat

    I used the Whatsapp number of InsuranceDekho to chat about my COVID 19 policy requirements. The chat was quite...

    Read More
    R
    Corona Rakshak Policy
    By Riddhi Agarwal
    On: Mar 03, 2021
  • Covid 19 insurance policies

    When the pandemic period started I was looking for a health insurance plan for my family that could provide co...

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    A
    Corona Kavach Policy
    By Anirban Bhattacharya
    On: Dec 02, 2020
  • Quality insurance service

    InsuranceDekho assures quality service. I wanted to buy a policy for my family. Their customer care team patie...

    Read More
    N
    Happy Family Floater Policy
    By Neha Rai
    On: Nov 11, 2020
  • Oriental Insurance is the best

    My experience with Oriental Insurance’s Happy Family Floater policy and insurancedekho has been great. T...

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    A
    Happy Family Floater Policy
    By Arihant Kapoor
    On: Oct 28, 2020
  • Useful Policy

    Oriental Arogya Sanjeevani Policy has proved to be a very useful policy for me and my family. I made a claim w...

    Read More
    A
    Arogya Sanjeevani Policy
    By Ajay Narang
    On: Jun 17, 2020
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Why to Buy Health Insurance Policy Online from InsuranceDekho

  • Tax benefit upto 75,000*
  • Claim support everyday 10AM-7PM
  • 14 Lakh+ happy customers

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Oriental Health Insurance Contact Details

Reach us for help anytime

Claim Process at Oriental Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation as soon as it occurs and for planned hospitalisation intimate as soon as it occurs prior to admission.
  • 3

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 4

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation as soon as it occurs and for planned hospitalisation intimate as soon as it occurs prior to admission.
  • 3

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 4

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.

Insurance Products by Oriental General Insurance

FAQ About Oriental Health Insurance

  • Does Oriental Health Insurance policy come with a lifelong renewability benefit?

    Yes, all the health insurance policies offered by Oriental Health Insurance comes with lifelong renewability benefit.

  • How many claims can I make with Oriental Health Insurance policies?

    There is no restriction on the number of claims you can make in a policy year. However, it should not go beyond the sum insured amount specified in the policy document. 

  • Does Oriental Insurance Company have a family floater health insurance policy?

    Yes. Oriental Insurance Company provides a health insurance policy, especially for families. The name of the policy is “Happy Family Floater.” The best feature of the policy is that it covers critical illnesses too.

  • How to apply for and buy an Oriental Health Insurance policy?

    You can apply and buy an Oriental Health Insurance policy online from the official website of the company. You can also contact InsuranceDekho at 7551-196-989 to get all the details and purchase any policy of Oriental Insurance Company. 

  • Who all are covered under the family floater policy of Oriental Insurance Company?

    The family floater plan of Oriental Insurance Company covers legally wedded spouse, children (i.e. natural or legally adopted) between the age of 91 days to 18 years, dependent children up to 25 years (girl until she gets married, divorced  and widowed daughter), parents, and parents-in-law.

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*Standard T&C Apply. All savings/offers are provided by the Insurers, which are subject to modification .For more details on risk factors, terms and conditions, please read the sales brochure of respective insurers carefully before concluding a sale. Tax benefits are subject to changes in applicable tax laws. Girnar Insurance Brokers Private Limited, (CIN: U66010RJ2016PTC054811, Regd .Off: Girnar 21, Govind Marg, Moti Doongari Road, Dharam Singh Circle, Jaipur, Rajasthan- 302004; Corp. Off: 11th Floor, Tower B, Emaar Digital Greens, Golf Course Extension Road, Sector-61, Gurugram-122102, Haryana. IRDAI License no 588. Direct Broker (Life & General) valid till 19th March 2023. Email - support@insurancedekho.com ; Helpline number: 7551196989.
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