Oriental Health Insurance Benefits

Oriental Health Insurance

139 reviews Rate This

Highlights

4,300+ Network Hospitals

12,50,812 Policies Issued

Lifelong Renewability

94.28% Claim Settlement Ratio

Dedicated Claim Settlement

Coronavirus (COVID-19) Cover

Benefits of Oriental Health Insurance

Founded in on 12th September 1947 as a subsidiary of The Oriental Government Security Life Assurance Company Ltd, Oriental Insurance Company is one of the largest public sector general insurance companies in India based in New Delhi. It is an insurance company which has more than 30 regional offices in India and many other branches in countries like Nepal, Kuwait, and Dubai. It meets the needs of several sections of the society by providing them with several insurance products related to health, power plants, petrochemical, steel and chemical plants

A few of the key benefits which you can be gifted under Oriental Insurance Company are cashless treatment facility, heavy discounts, expenses incurred in pre 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 polices 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 Settement 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 2017-18 is 93.47%*. *It 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
Happy Family Floater PolicyMin: 91 Days; Max: 70 Years1 Lakh Get Quotes Now
Individual Mediclaim PolicyMin: 18 Years; Max: 70 Years1 Lakh Get Quotes Now
HOPE (Health of Privileged Elders)Min: 60 Years; Max: No Limit1 Lakh Get Quotes Now
Happy Cash Min: 3 Months; Max: No Limit 500/day Get Quotes Now
Arogya Sanjeevani PolicyMin: 3 months; Max: 65 years1 Lakh - 5 Lakh Get Quotes Now
Corona Kavach PolicyMin: 1 day; Max: 65 years50,000 - 5 lakh Get Quotes Now
Corona Rakshak Policy Min: 18 Years; Max: 65 Years50,000 - 2.5 lakh 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

Oriental Health Insurance User Reviews

  • Useful Policy

    Oriental Arogya Sanjeevani Policy has proved to be a very useful policy for me and my family. I made a claim when my wife got hospitalised and got sav...

    Read More
    A
    Ajay Narang
    On: Jun 17, 2020 | Views
  • Good to have my entire family covered

    Oriental Arogya Sanjeevani Policy covers my entire family under a single sum insured. I purchased this policy last week from InsuranceDekho and I must...

    Read More
    R
    Rishabh Berlia
    On: Jun 16, 2020 | Views
  • Beneficial policy

    I was in search of an affordable health insurance plan for my family when my colleague referred Oriental Arogya Sanjeevani Policy to me. I brought it ...

    Read More
    Y
    Yoginder Yadav
    On: Jun 15, 2020 | Views
  • Several benefits offered

    I purchased Oriental Arogya Sanjeevani Policy from InsuranceDekho during lockdown. Not only the buying process was smooth, but I also got a perfect pl...

    Read More
    S
    Shivam Dubey
    On: Jun 14, 2020 | Views
  • Happy with InsuranceDekho’s services

    InsuranceDekho offered me the best services. They not only suggested my Oriental Arogya Sanjeevani Policy but also helped me buy it online as I was no...

    Read More
    A
    Abhinav Roy
    On: Jun 13, 2020 | Views
  • Plan offered me reimbursement facility

    I was able to get a reimbursement facility under my Oriental Insurance Individual Mediclaim policy when last week I made a claim in the event of my wi...

    Read More
    S
    Sagar Takkar
    On: Jun 03, 2020 | Views
  • Great policy to buy

    Oriental Insurance’s Happy Family Floater Policy is the best as it not only covers me and my family against hospitalisation expenses but critica...

    Read More
    S
    Shreyans Jain
    On: Jun 01, 2020 | Views
  • Great Services!!

    I was thinking to take Oriental Health Insurance but did not know where I can get all the knowledge about this health insurance. I came to Insurancede...

    Read More
    S
    Surdarshan Singh
    On: May 29, 2020 | Views
  • Instant issuance

    I wanted to purchase Oriental Insurance’s Individual Mediclaim Policy so I called on the toll-free number of InsuranceDekho and the executives d...

    Read More
    F
    Farah Dhukai
    On: May 27, 2020 | Views
  • Liked the behaviour!

    I liked the behaviour of the staff of Orienal Health Insurance. Usually government staffs are known for their arrogance behaviour with customers. But,...

    Read More
    N
    Nikhil Shankar
    On: Jan 31, 2020 | Views

Oriental Health Insurance Contact Details

Reach us for help anytime

Oriental Health Insurance FAQs

  • Does Oriental Health Insurance policy comes with lifelong renewability option?

    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 1800-1205-698 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.

Latest Health Articles

Popular Health Insurance Companies