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Oriental Health Insurance for Senior Citizen

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

Oriental Insurance : Health Insurance for Senior Citizen

A unique health insurance policy, exclusively designed for senior citizens, HOPE or Health of Privileged Elders is a worthy investment. Comprehensive and affordable, HOPE policy is an ideal choice for the elderly who want coverage for specific diseases. Offering coverage for hospital admission longer than 24 hours, room rent, ICU, and others, HOPE policy by Oriental Insurance also provides cover for Ayurvedic, Unani and Homeopathic treatment in govt. hospitals/colleges. What’s best about the policy is that it reimburses payment of hospitalisation and/or domiciliary expenses for specified diseases or injury sustained by the insured individual.

Key Features

  • Specifically designed for individuals aged 60 years and above
  • Covers specific diseases only
  • Sum insured options- Rs. 1 Lakh to Rs. 5 Lakh
  • Compulsory co-payment of 20% on admissible claim amount
  • Discount in premium for opting for voluntary co-payment
  • TPA service - Available
  • Cashless Service through TPA only (limited to Rs. 1 Lakh)
  • Extension of benefit of continuity, if already insured with any mediclaim policy of the insurer

Scope of Coverage

  • Accidental Injury, Chronic Renal Failure, Cancer, Stroke, Cardiovascular Diseases, Chronic Obstructive Lung Diseases, and five other diseases/illnesses/injuries covered
  • Coverage for room, boarding, and nursing expenses
  • Ambulance service charges, ICU unit expenses covered under the policy
  • Fees of Surgeon, Anaesthetist, and others in addition to cost of Anaesthesia, Blood, Oxygen, Operation Theatre Charges, Surgical Appliances, etc.
  • Hospitalisation for a minimum period of 24 hours
  • 30 days pre hospitalisation expenses
  • 60 days post hospitalisation expenses
  • Domiciliary hospitalisation expenses covered up to Rs. 20,000

Eligibility

Health of Privileged Elders or HOPE Policy features a minimum entry age of 60 years. When it comes to maximum entry age, there is no limit.

Exclusions

  • Any kind of admission fees, registration fees levied by the hospital
  • Substance abuse, self-inflicted injuries
  • STDs and HIV/AIDS
  • War or war like operations or breach of law
  • Domicilliary treatment, treatment outside India

Do you think HOPE/Health of Privileged Elders is the ideal choice for senior citizen health insurance? Let InsuranceDekho experts help you gain detailed information about the plan at 1800 1205 698.

Oriental Health Insurance Plans For Senior Citizen

    Name of PlanSum Insured
    HOPE (Health of Privileged Elders)Min: 60 Years; Max: No Limit1 Lakh Get Quotes Now

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    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.

    FAQ About Oriental Health Insurance

    • What is the sum insured amount of senior citizen plan offered by Oriental Insurance?

      Minimum sum insured that can be selected starts from Rs. 1 lakh and a higher sum insured amount can be selected in the multiples of Rs. 1 lakh up to a maximum sum insured of Rs. 5 lakh. 

    • Does Oriental Insurance Company provide any plan for senior citizens?

      Yes, Oriental Insurance Company provides a health insurance policy for senior citizens. 

    • What is the limit of premium up to which the tax benefit can be availed under senior citizen plan of Oriental Insurance?

      Rs. 50,000 is the highest premium amount up to which senior citizens are waived off from tax.