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.

Does HOPE Policy provide cover for maternity and newborn?

No, there is no cover for maternity and newborn expenses available under this senior citizen plan.

Is critical illness covered under the HOPE Policy?

The policy offers cover for only 11 specified diseases/illnesses with a certain limit of liability per illness.

What are the 11 specified diseases/illnesses covered under this policy?

The 11 specified diseases/illnesses covered under this policy include: 1. Accidental Injury up to 100% of Sum Insured 2. Knee Replacement up to 70% of Sum Insured 3. Cardio Vascular Diseases up to 50% of Sum Insured 4. Chronic Renal Failure up to 50% of Sum Insured 5. Cancer up to 50% of Sum Insured 6. Hepato-BilliaryDisorders up to 50% of Sum Insured 7. Chronic Obstructive Lung Diseases up to 20% of Sum Insured 8. Stroke up to 20% of Sum Insured 9. Benign Prostrate up to 15% of Sum Insured 10. Orthopaedic Diseases up to 15% of Sum Insured 11. Ophthalmic Diseases up to 10% of Sum Insured

Is free health checkup provided under this policy?

For every block of 4 claim-free years, free health checkup is offered to the policyholder subject to a maximum of 1% of the sum insured.

Does this policy offer cashless claim benefit?

Under HOPE policy, the cashless benefit of covered expenses are provided up to Rs. 1 Lakh only.

Oriental HOPE (Health of Privileged Elders) Health Insurance Wordings

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Highlights

Claim Settlement	Dedicated Team
Claim Settlement Ratio	93.96%
COVID-19 Cover	Yes
Network Hospitals	4,300+
Policies Sold	12,50,812
Renewability	Lifelong

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Oriental HOPE (Health of Privileged Elders) Brochure

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Aug 12, 2019

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Oriental Health Insurance Plan List

Critical Illness (1)
Family (2)
Kids (1)
Maternity (1)
Woman (1)
Individual (3)
Parents (1)
Senior Citizen (1)

Name of Plan	Sum Insured
Arogya Sanjeevani PolicyMin: 3 months; Max: 65 yearsPopular	1 Lakh - 5 Lakh	Check Premium
Happy Family Floater PolicyMin: 91 Days; Max: 70 Years	1 Lakh	Check Premium
PNB Oriental Royal Mediclaim 2017Min: 91 days; Max: 79 years	1 Lakh - 10 Lakh	Check Premium
Jan Arogya Bima PolicyMin: 5 years; Max: 70 years	5000	Check Premium
Corona Rakshak PolicyMin: 18 Years; Max: 65 Years	50,000 - 2.5 lakh	Check Premium
Corona Kavach PolicyMin: 1 day; Max: 65 years	50,000 - 5 lakh	Check Premium
Happy Cash Min: 3 Months; Max: No Limit	500/day	Check Premium
HOPE (Health of Privileged Elders)Min: 60 Years; Max: No Limit	1 Lakh	Check Premium
Individual Mediclaim PolicyMin: 18 Years; Max: 70 Years	1 Lakh	Check Premium
OBC Oriental Mediclaim Policy 2017Min: 91 days; Max: 79 years	1 Lakh - 10 Lakh	Check Premium

Oriental Health Insurance Top Up List

Family (1)
Maternity (1)
Top-up (1)

Name of Plan	Sum Insured
Super Health Top-upMin: 91 Days; Max: 70 Years	3 Lakh	Check Premium

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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.
Does HOPE Policy provide cover for maternity and newborn?
No, there is no cover for maternity and newborn expenses available under this senior citizen plan.
Is critical illness covered under the HOPE Policy?
The policy offers cover for only 11 specified diseases/illnesses with a certain limit of liability per illness.
What are the 11 specified diseases/illnesses covered under this policy?
The 11 specified diseases/illnesses covered under this policy include:

1. Accidental Injury up to 100% of Sum Insured
2. Knee Replacement up to 70% of Sum Insured
3. Cardio Vascular Diseases up to 50% of Sum Insured
4. Chronic Renal Failure up to 50% of Sum Insured
5. Cancer up to 50% of Sum Insured
6. Hepato-BilliaryDisorders up to 50% of Sum Insured
7. Chronic Obstructive Lung Diseases up to 20% of Sum Insured
8. Stroke up to 20% of Sum Insured
9. Benign Prostrate up to 15% of Sum Insured
10. Orthopaedic Diseases up to 15% of Sum Insured
11. Ophthalmic Diseases up to 10% of Sum Insured
Is free health checkup provided under this policy?
For every block of 4 claim-free years, free health checkup is offered to the policyholder subject to a maximum of 1% of the sum insured.
Does this policy offer cashless claim benefit?
Under HOPE policy, the cashless benefit of covered expenses are provided up to Rs. 1 Lakh only.

View More Questions

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.

Oriental Health Insurance Contact Details

Reach us for help anytime

Insurance Dekho
755 1196 989Mon to Sun 10:00 AM to 7:00 PM
support@insurancedekho.com
Oriental Health Insurance
1800-118-48524x7
csd@orientalinsurance.co.in