Compare & Buy Car, Bike and Health Insurance Online - InsuranceDekho
Claim, renew, manage & moreLogin
Hurry Up!
Save upto ₹75,000 on taxes in 80D. Buy a health insurance now!
View Plans

Oriental HOPE (Health of Privileged Elders) Health Insurance

164 reviews Rate This
Oriental Health Insurance
HOPE (Health of Privileged Elders)
Claim SettlementDedicated Team
Claim Settlement Ratio93.96%
COVID-19 CoverYes
Network Hospitals4,300+
Policies Sold12,50,812
RenewabilityLifelong

About Oriental HOPE (Health of Privileged Elders) Health Insurance

Oriental Insurance is known for offering vast product portfolio catering to the medical needs of each and every individual. One of the unique product available in its bouquet is HOPE policy. This policy is exclusively designed for people aged 60 years and above. Being one of the most comprehensive senior citizen health insurance policy, this policy offers coverage for specified diseases. Not only this, this plan is available in varied sum insured options to choose from. The sum insured options available under this policy range from Rs. 1 Lakh to Rs. 5 Lakh.

This plan not only offers coverage for hospitalisation benefits but also entails varied benefits such as discount in premium for opting voluntary co-payment, no claim discount in premium and benefit of continuity if already insured with any other policy of Oriental Insurance. This plan also offers coverage for alternative treatment such as Ayurvedic, Unani and homoeopathic treatment provided the treatment is taken in government hospitals/colleges in India. This is the best policy with the lowest premium that reimburses payment of hospitalisation and/or domiciliary expenses for specified diseases or injury sustained by the insured person.

Health Insurance Calculator

Whom do you want the insurance for ?

You
Couple
Family
Father
Mother

Select the age of all members

  • You

Where do you live ?

Choose required Coverage for yourself?

5 Lac
10 Lac
25 Lac
Disclaimer : Actual Premium might vary basis your location, age and number of members
Need help?

Get FREE Personalized Insurance Advice At Your Home

Key Inclusions and Exclusions of the Plan

What's Included

  • Hospital admission greater than 24 hours
  • Cover for specified diseases only
  • Room rent 1% of sum insured
  • ICU charges 2% of sum insured
  • 30 days pre and 60 days post hospitalisation expenses

What's Not Included

  • Hospital admission for investigation/diagnostic purposes
  • External congenital/genetic conditions
  • Domiciliary treatment outside India
  • Cosmetic, dental surgeries
  • Hearing impairment, refractive error correction

HOPE (Health of Privileged Elders) User Reviews

Write your review
What users are saying
  • All
  • HOPE is good option for senior people like me. It covers specified diseases, 30 days pre and 60 days post hosp...

    Read More
    S
    By Srikant Rao
    On: Jan 31, 2020
  • I have bought HOPE (Health of Privileged Elders) for me and my spouse because this policy provides several ben...

    Read More
    G
    By Gautham Verma
    On: Jan 21, 2020
  • HOPE policy by Oriental Insurance is my hope for my health at this old age. For me, it is the most comprehensi...

    Read More
    K
    By Kalpita Pandey
    On: Jan 14, 2020
  • My parents are covered under HOPE policy! And they are happy with the plan. I am also feeling lucky to buy the...

    Read More
    U
    By Umesh Chandra
    On: Jan 09, 2020
  • I have taken Oriental HOPE policy. The policy coverage is for 5 lakh. Recently, i got hospitalized and underwe...

    Read More
    L
    By Lata Sawant
    On: Jan 09, 2020

Oriental HOPE (Health of Privileged Elders) Expert Review

  • Expert Review

    True to its name, HOPE or Health of Privileged Elders is Oriental Insurance’s hope for senior citizens who need special care and attention. Offering supreme financial stability to the elderly at a time when they need it the most, the policy covers specific diseases, illnesses and injuries without letting the insured face inconvenience of any kind. Overall a great combination of features and benefits, HOPE or Health of Privileged Elders is a policy that suits the varied needs of senior citizens to a tee.

    Available for people aged 60 years and above, Health of Privileged Elders policy is a health insurance boon that does not come with an exit age. Moreover, note that while the policy can be purchased on an individual sum insured basis, the policy period is 1 year. Comprehensive in its approach, the policy provides you with a series of sum insured options to choose from. Starting from Rs. 1 Lakh up to Rs. 5 Lakh, you can choose a sum insured amount that you find apt according to your medical requirements.

  • Major Attractions

    As mentioned, Health of Privileged Elders or HOPE policy covers medical expenses for specific diseases, illnesses and injuries. Under the same, the policy takes care of expenses related to room rent; boarding and nursing; ambulance services; fees of surgeon, anaesthetist, medical practitioner, consultants, or specialists; anaesthesia, blood, etc. The other key highlights in the list of inclusions comprises -

    • Hospital admission longer than 24 hours
    • 30 days pre-hospitalisation expenses
    • 60 days post-hospitalisation expenses
    • Domiciliary hospitalisation, maximum up to Rs. 20,000
    • Cover specific diseases/illnesses/injuries including Accidental Injury, Knee Replacement, Cardio-Vascular Diseases, Chronic Renal Failure, Cancer, and others
    • Room Rent expenses covered - 1% of sum insured
    • I.C.U. expenses covered -2% of sum insured
    • Compulsory co-payment of 20% on admissible claim amount
    • Discount in premium for choosing Voluntary Co-payment
    • No claim discount in premium - At the rate of 5%, subject to a maximum of 20%
    • Coverage for Ayurvedic, Unani as well as Homeopathic treatment in govt. hospitals/colleges
  • What’s More?

    HOPE (Health of Privileged Elders) is an ideal investment to make when you want extensive coverage at a low premium price. Rich in fruitful features, the policy not only frees you from financial concerns, but also gifts you peace of mind by providing a string of additional benefits. While buying HOPE policy, you should not ignore crucial elements like -

    • Policy renewable for lifetime
    • Coverage for pre-existing diseases - After a period of 24 months
    • Allowed grace period - 30 days
    • Free look period - 15 days from the date of policy receipt
    • Easy claim settlement procedure
    • Hassle-free policy portability 
    • Cashless service through TPA only, limited to Rs. 1 Lakh
    • Benefit of continuity extended, in case already insured with any mediclaim policy
  • Conclusion

    HOPE (Health of Privileged Elders) comes across as the ultimate support for the elderly, at a time when they need financial security the most. In case, you choose the policy, rest assured you won’t be disappointed in any which way.

    You can get the policy issued quickly by purchasing it online instead of opting for the offline mode. Also, to add to your benefits, you can rely on InsuranceDekho for policy purchase and get to reap policy transparency, policy portability, claim settlement support, and other benefits.

     

Oriental HOPE (Health of Privileged Elders) Brochure

  • 181.98 KB
  • PDF Document
  • Aug 12, 2019

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.

FAQs on HOPE (Health of Privileged Elders) Health Insurance Plan

  • What are the sum insured options available under HOPE policy?

    The policy can be purchased for varied sum insured options such as Rs. 1 Lakh, Rs. 2 Lakh, Rs. 3 Lakh, Rs. 4 Lakh, and Rs. 5 Lakh.

  • What is the entry age limit for this policy?

    The policy can be taken by any person aged 60 years and above.

  • Is there any medical required to purchase this policy?

    Any person desiring to take new policy is required to submit listed medical reports required by the company. On acceptance of the proposal, 50% of the cost of the checkup is borne by the insurance company.

  • Is there any no-claim discount available under the policy?

    Yes, there is a no-claim discount of 5% subject to a maximum of 20% for every claim-free policy year.

  • Are there any other discounts offered under the plan?

    Apart from the no-claim discount, there is also a discount in premium for opting voluntary co-payment.

View More Questions

Health Insurance Articles

  • Latest Articles
  • Popular Articles