You need health cover regardless of what you take two at a time - pills or stairs.

Oriental Health Insurance

Oriental Health Insurance plans can be chosen for individuals and an entire family. They offer health plans that are customisable to the preference of the customer. Policyholders have the added advantage of availing a number of offers and benefits
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The Oriental Insurance Company Ltd was incorporated at Bombay on 12th September 1947. The Company was a wholly owned subsidiary of the Oriental Government Security Life Assurance Company Ltd and was formed to carry out General Insurance business. ORIENTAL with its head Office at New Delhi has 30 Regional Offices and nearly 1800+ operating Offices in various cities of the country.

Oriental Health Insurance Highlights Updated on 26 Mar 2019

Features Specifications
Network Hospitals 4300+
Waiting Period for Pre-existing Disease 4 years
Incurred Claims Ratio 85.39%
Number of Policies Issued 1322480
Grievances Solved 73.83%
Renewability Lifetime

*For Year 2017-2018

Overview of Oriental Health Insurance:

Oriental Health Insurance Plans

Oriental Health Insurance Co. Ltd. was founded in 1947. Since its inception it has constantly attracted new and varied customers, which has facilitated its steady growth. Its underwritten premium currently stands at over Rs.7,282 crores.

It functions as an entirely independent company whose board of members consist of the likes of T.A.Pai, B.D. Pande, K.R.Puri and other prominent personalities, who have achieved considerable levels of success in their respective fields.

The company is based out of New Delhi and has a pan-India presence. It has over 30 regional offices, in addition to over 1,800 operating offices, serving a rural and urban client-base across India.

Its operations are not limited to the domestic boundaries of India alone; it has representation in overseas markets like Nepal, Kuwait and Dubai as well.

With the rising cost of healthcare in India, unfortunate, unpredictable events in the form of illnesses or accidents, can result in a requirement for hospitalisation. This can cause great strain on a person’s finances.

Types of Health Insurance Policies Provided by Oriental Insurance:

Policies forming a part of the company’s health insurance plans portfolio are listed below:

  • Oriental Insurance Individual Mediclaim Health Insurance (for the proposer)
  • Oriental Insurance Happy Family Floater Policy (for the proposer and his/her family)
  • Oriental Bank Mediclaim Policy (for OBC’s account-holders)
  • PNB - Oriental Royal Mediclaim Insurance Policy (for PNB’s account-holders)
  • Oriental Insurance Jan Arogya Bima Plan (low cost, low coverage plans for the financially constrained)
  • Oriental Insurance Nagrik Suraksha Policy
  • Oriental Insurance Janata Personal Accident Policy
  • Oriental Insurance HOPE - Health of Privileged Elders

The salient features of each of the plans are provided below.

Oriental Insurance Individual Mediclaim Health Insurance:

This Oriental Insurance Individual Mediclaim Health Insurance plan takes care of all healthcare-related expenses accrued by the insured during the policy tenure, which usually lasts for 1 year. Policy can be renewed indefinitely, subject to an upper age limit.

Sum Assured Rs.50,000 to Rs.2 lakhs, in increments of Rs.25,000. Rs.2 lakhs to Rs.5 lakhs, in increments of Rs.50,000.
Medical screening Required for persons over 45 years (50% of expenses will be reimbursed subject to a limit of 2)% of premiums if the person is accepted as a client).
Basis Individual
Expenses Covered Surgeon, Doctor, Anaesthetist, Consultant, Specialist Charges, Anaesthesia, Blood Oxygen, OT, Surgical and Diagnostic equipment, Medicines, Drugs, Dialysis, Radio/Chemotherapy, Prosthetic limbs or devices, Pacemaker, Laboratory Tests, Diagnostic Tests, X-Ray and other vital necessities,Organ donor hospitalisation expenses.
Room expenses and nursing charges @Rs.5,000 or up to 1% of sum assured, whichever is lower, per day of hospital stay.
ICU expenses @Rs.10,000 or up to 2% of sum assured, whichever is lower.
Ambulance charges @ Rs.2,000 or 1% of the sum assured, whichever is lower.
Day care procedures 25 allowed
Domiciliary Hospitalisation Treatment, for a period beyond 3 days, provided at home in lieu of hospitalisation due to lack of space at the hospital or inability to transfer the insured person to a hospital.
Pre-hospitalisation expenses Up to 30 days.
Post-hospitalisation expenses Up to 60 days.
Pre-existing diseases After completion of a 4 year waiting period from policy inception.
Exclusions

    • Pre-existing diseases.

    • Expenses incurred during first 30 days since policy inception, unless due to accident.

    • Pregnancy and childbirth expenses.

    • Treatments such as sinusitis, piles, hernia, hysterectomy, cataract, bronchitis, asthma, psychosomatic or psychiatric disorders etc.

Benefits Cashless facility, with TPA consent, at network hospitals. Reimbursement of expenses, up to 1% of sum assured, for health checks after every 4 successive claim-free years.

Oriental Insurance Happy Family Floater Policy:

As opposed to the individual policy, here the proposer and his/her family, which includes his/her spouse and dependent children, are covered under one plan.Under this Oriental Insurance Happy Family Floater Policy, the amount chosen as sum assured is applicable to all members equally i.e. the amount is not per insured member.

Happy Family Floater Silver Plan
Sum Assured Rs.1.5 lakhs.
Co-payment 10%.
Premiums for Proposer Rs.1,320 to Rs.10,400.
Premiums for each family member Rs.240 to Rs.7,970.
Add-On Cover Personal Accident - Rs.60 to Rs.300.
Medical screening Required for persons above 60 years.
Discounts 5% discount on premiums if TPA services are not chosen
Room charges and Nursing Charges Up to 1% of the sum assured for each day of hospitalisation.
ICU charges Up to 2% of the sum assured for each day of hospitalisation.
Charges for the following Surgeons, Anaesthetists, Doctors, Consultants, Specialists, Blood, Oxygen, Anaesthesia, Radio/Chemotherapy, Medicines, Drugs, X-Rays, Surgical Equipment, Diagnostic Equipment, Prosthetic limbs and devices, Pacemakers, Dialysis up to sum assured.
Pre-existing diseases Subject to a 4 year waiting period.
Treatment expenses for rabid animal bites Up to Rs.5,000 for immunization.
Domiciliary Treatment 10% of sum assured (overall limit of Rs.25,000).
Ambulance charges Rs.1,000 per illness (overall limit of Rs.3,000 or 1% of sum assured, whichever is lower).
Add-on Cover on payment of additional premium Personal Accident cover for sum assured up to Rs.5 lakhs, can include dependents.
Happy Family Floater Gold Plan
Sum Assured Rs.6 to Rs.10 lakhs.
Co-payment Not applicable.
Premiums for Proposer Rs.7,140 to Rs.23,640.
Premiums for each family member Rs.1,290 to Rs.18,080.
Add-On Cover Personal Accident: Rs.120 to Rs.600.
Discounts 5% discount on premiums if TPA services are not chosen
Medical screening Required for persons above 60 years.
Room charges and Nursing Charges Up to 1% of the sum assured for each day of hospitalisation.
ICU charges Up to 2% of the sum assured for each day of hospitalisation.
Charges for the following Surgeons, Anaesthetists, Doctors, Consultants, Specialists, Blood, Oxygen, Anaesthesia, Radio/Chemotherapy, Medicines, Drugs, X-Rays, Surgical Equipment, Diagnostic Equipment, Prosthetic limbs and devices, Pacemakers, Dialysis up to sum assured.
Treatment expenses for rabid animal bites Up to Rs.5,000 for immunization.
Pre-existing diseases Subject to a 4 year waiting period.
Domiciliary Treatment 10% of sum assured (overall limit of Rs.25,000).
Daily cash allowance for hospital stay (maximum 10 day) 0.1% of sum assured, per illness (overall limit of 1.5% of sum assured).
Attendant Allowance for hospitalisation of children between 3 years to 10 years (maximum 10 days) Rs.500 for each day of hospital stay, per illness (overall limit of 15 days).
Add-On Cover on payment of additional premium Personal Accident cover for sum assured up to Rs.10 lakhs, can include dependents; Life Hardship cover for survival benefits.

Oriental Bank Mediclaim Policy:

A health insurance policy extended to the customers (and employees) i.e. account-holders of Oriental Bank of Commerce.

Basis Family floater plan
Sum Assured 5 options for sum insured available between Rs.1 lac and Rs.5 lacs, in multiples of Rs.1 lac.
Premiums Advance payment only
Benefits Cashless Facility: At network hospitals.
Renewability Cover is valid for an insured member till 80 years of age.
Policy Period 1 year.
Exclusions

    • Waiting periods apply for certain diseases/ailments as per the schedule.

    • Outcomes of war, terrorism and events of similar nature.

    • Ailments of or related to T-cell Lymphotropic Virus Types III or LAV or HIV.

    • Vitamins, tonics, circumcision, vaccinations, sex change or plastic surgery, dental procedures not forming part of admissible treatment.

    • Sight-correction surgery, glasses, contact lens, hearing aids etc.

    • Convalescence, congentinal ailments, fertility treatment, STDs including HIV and related diseases, self-harm, psychiatric treatment, misuse of intoxicants. obesity.

    • Maternity/Delivery/Termination and subsequent related illnesses.

    • Non-allopathic treatment.

    • Injuries from hazardous sports/hobbies.

    • Genetic defects, stem cell procedures.

    • Outpatient treatment.

Day care procedures Hospitalisation for minimum of 24 hours.
Room charges and Nurses expenses Up to 1% of the sum assured or Rs.5,000, whichever is less, for each day of hospitalisation.
ICU charges Up to 2% of the sum assured or Rs.10,000, whichever is less, for each day of hospitalisation.
Charges for the following Surgeons, Anaesthetists, Doctors, Consultants, Specialists, Blood, Oxygen, Anaesthesia, Radio/Chemotherapy, Medicines, Drugs, X-Rays, Surgical Equipment, Diagnostic Equipment, Prosthetic limbs and devices, Pacemakers, Dialysis up to sum assured, Domiciliary hospitalisation.
Ambulance charges Lower of 1% of the sum assured or Rs.1,000 per illness.
Daily cash allowance for hospital stay Actuals limited to Rs.1,000 over the policy term.
Pre hospitalisation 30 days
Post hospitalisation 60 days
Funeral Expenses Actuals limited to Rs.1,000 over the policy term.
Pre-existing conditions Subject to a waiting period of 3 years.

PNB - Oriental Royal Mediclaim Insurance Policy:

Entry Age 79 years.
Maximum renewability age Coverage is provided until the insured completes 80 years.
Benefits Cashless claims
Policy Period 1 year.
Room charges and Nurses expenses up to 1% of the sum assured for each day of hospitalisation.
ICU charges up to 2% of the sum assured for each day of hospitalisation.
Charges for the following Surgeons, Anaesthetists, Doctors, Consultants, Specialists, Blood, Oxygen, Anaesthesia, Radio/Chemotherapy, Medicines, Drugs, X-Rays, Surgical Equipment, Diagnostic Equipment, Prosthetic limbs and devices, Pacemakers, Dialysis up to sum assured.
Ambulance charges on basis of actuals or Rs.1,000 or 1% of the sum assured, whichever is lower.
Pre-hospitalisation expenses 30 days
Post-hospitalisation expenses Up to 60 days.
Daycare treatment Subject to conditions
Pre-existing conditions Subject to a waiting period of 3 years.
Exclusions

    • Cover is effective for a certain number of treatments only after a certain period from policy inception.

    • Injuries/ailments resulting from war, terrorism and events of similar nature.

    • Vitamins, tonics, circumcision, vaccinations, cosmetic surgery including change of life, dental procedures not forming part of admissible treatment.

    • Sight-correction surgery, glasses, contact lens, hearing aids etc.

    • General enervation, STDs , HIV , AIDS, HTLD-III, LAV and similar diseases, psychiatric treatment, misuse of intoxicants, obesity.

    • Pregnancy/termination and consequential ailments; reproductive-assistance treatment.

    • Non-allopathic treatment.

    • Self-harm or injuries resulting from involvement in dangerous activities.

    • Birth defects/genetic defects

    • Treatment availed as an outpatient.

Oriental Insurance Jan Arogya Bima:

This Oriental Insurance Jan Arogya Bima Plan aimed to enable the poorer sections of the society get health insurance cover , this plan offers good sum insured at very low premium payments

Entry Age 5 years to 70 years; Children – 3 months to 5 years; subject to at least one parent being covered under this plan.
Sum Assured Rs.5,000 p.a
Sub-limits None
Premium Rs.70 upwards (men); Rs.50 upwards (women); Rs.50 (per dependent below 25 years).
Covers

    • Inpatient hospitalisation.

    • Domiciliary hospitalisation.

    • Expenses of treatment for covered events/ailments/injuries.

    • Pre-hospitalisation up to 30 days.

    • Post-hospitalisation up to 60 days.

Oriental Insurance Nagrik Suraksha Policy:

This Oriental Insurance Nagrik Suraksha Policy can be for individuals, offering cover for family members and it can also be availed for groups. The basic features of these plans are listed below

Basis Individual (covers dependents and family members) and Group
Eligibility For family – 5 to 70 Years; Individual or Group packages – 18 to 70 Years
Coverage Under individual policy, family members can be opted for cover as well. Group policy can cover many employees
Policy term For a group, the policy term will be 1 year, while for individuals, it will be within 1 year to 4 years
Renewability Renewable every year subject to age limits
Sum Insured Could be from INR 1 lakh to INR 5 lakhs
Benefits

    • 40% to 100% of Personal Accident Benefit in cases of Partial or Total Disability

    • Cumulative Bonus

    • Funeral or Burial Charges

    • Education Fund Support for children of Insured

    • Remuneration of Hospitalization expenses

Exclusions

    • Illness due to HIV/AIDS

    • Death or disablement resulting from venereal disease or insanity

    • Death or disability resulting from pregnancy or childbirth, etc.

    • Committing any breach of law with criminal intent

    • Whilst engaging in aviation or while mounting into, dismounting from or travelling in any aircraft

Oriental Insurance Janata Personal Accident Policy:

A unique insurance plan that covers personal accident insurance and provides for death and disability benefits for an individual

Eligibility age 10 – 80 Years
Basis Individual
Policy term The policy is valid for one year and can be renewed till the time the age limits acceptable by the company are in force
Renewability Renewable every year subject to age limits
Sum Insured Could be from INR 25000 to INR 5 lakhs
Benefits 50% to 100% of Sum Insured in cases of Partial or Total Disability or Death
Exclusions

    • Any existing disability

    • Death injury or disablement due to intentional self-injuries, suicide or attempted suicide

    • Disablement or death under influence of liquor or drug

    • Death or disablement during racing, shooting, big game hunting, mountaineering, ice hockey, winter sports and/or the like

    • Insanity

    • Breach of law with criminal intention

    • War group of perils

    • Nuclear group of perils

Oriental Insurance HOPE - Health of Privileged Elders:

Oriental Insurance HOPE - Health of Privileged Elders, is a health insurance policy designed for senior citizens above the age of 60. The policy offers a wide range of cover including specified diseases.

Entry age Any individual of the age 60 years and above
Basis Individual policy
Policy period The minimum and maximum policy term for the policy is 1 year
Renewability The policy can be renewed after 1 year if needed
Medicals Not required
Sum Insured Ranges from Rs.1,00,000 to Rs.5,00,000
Discount

    • The policy offers discount on premium depending on the co-pay opted

    • For co-payment of 10%: 10% discount on premium

    • For co-payment of 20%: 20% discount on premium

    • For co-payment of 30%: 30% discount on the premium

    • For co-payment of 40%: 40% discount on the premium

    • For co-payment of 50% and above: 50% discount on the premium

Co-payments The plan comes with a compulsory co-payment of 20%
Coverage offered

    • The policy covers only the specified diseases / illness / injury and there is a maximum liability in respect of each disease - Accidental injury, Knee replacement, Cancer, Stroke, Cardiovascular diseases, Orthopedic diseases, Benign prostate, Ophthalmic (Eye) diseases, Chronic obstructive lung disease, Hepatobiliary disorders, Chronic renal failure

    • Hospital room, boarding and nursing expenses and ICU charges

    • Emergency ambulance charges

    • Doctor, surgeon, anesthetist, consultant or specialists fees

    • Cost of anesthesia, blood, oxygen, operation theatre charges, surgical appliances

    • Cost of medicines, drugs and consumables

    • Cost of artificial limbs, prosthetic devices like pacemaker

    • Cost of diagnostic tests like X-ray

Oriental Health Insurance Customer Care:

Oriental Insurance Company Ltd. Is among the pioneers in the Indian public, non-life insurance sector. Founded in the pre-independence year of 1947, the insurer has its headquarters in Mumbai and operates via more than 30 regional branch offices. The insurer also has a reputed presence in a number of countries abroad such as Dubai, Kuwait and Nepal. In terms of products, Oriental Insurance offers wide range of products such as motor insurance, personal accident insurance, householder insurance, shopkeeper insurance, health insurance, among a few others. Under health insurance, the company offers several types of policies which offer a wide range of benefits and cover.

In terms of customer care, Oriental Insurance has definitely carved a name for itself and provides its customers with dedicated support. Customers can get in touch with the insurer’s support department via multiple channels and receive friendly advice and quick resolution to all their queries regarding their health insurance policy. To connect to the customer care, policyholders can dial on the provided toll free and tolled helpline numbers. They can even send an email with their query to the designated customer care email address. In case of escalation of a grievance, customers can contact the head of the customer care department via email as well.

How to File a Claim with Oriental Health Insurance?

There are 2 types of claims one can file with Oriental Health Insurance:

  • Cashless Claim: To avail cashless facility at a network hospital of Oriental Health, the insured member has to get approval from the Third-Party Administrator of the insurer. The hospital will submit a pre-authorisation request to the TPA. Upon approval, the insured member will be given cashless treatment and the insurer will settle the medical bills directly with the hospital.
  • Reimbursement Claim: The insured member will have to submit a duly-filled claim form along with the original medical documents to the insurer within 15 days from the date of discharge. The insurer will approve or reject the reimbursement claim as per the policy terms and conditions.

Incurred Claims Ratio of Oriental Health Insurance for the Year 2017-18

Net Earned Premium (in Crore) Net Claims Paid (in Crore) Incurred Claims Ratio (in %)
Rs.3750.52 crore Rs.4270.53 crore 113.86%

In the case of a planned hospitalisation, the insured member has to intimate the insurer or the TPA 48 prior to admission. In the case of an emergency hospitalisation, the insurer or TPA has to be intimated within 24 hours of admission.

Oriental Insurance Mediclaim Renewal:

About 120 insurance products offered by the Oriental Insurance Company Ltd can be renewed online through the insurer's website, provided there is no break in insurance coverage over the policy term. Policies offered by Oriental Insurance Company Limited as well as those that are offered by other insurance companies can be renewed online through the Oriental Insurance website. Just follow these easy and simple steps for Oriental Insurance Mediclaim Renewal online:

  • Visit the insurer's website, click on the 'Renew' tab, and enter the policy number of the existing OICL policy or non-OICL policy.
  • Policy details, premium calculation, and customer's personal information will be displayed on the screen.
  • Pay the renewal premium using netbanking, credit card or debit card.
  • Save the online confirmation receipt upon successful completion of premium payment.

Oriental Health Insurance FAQs:

  1. How much insurance cover do I need?

    Your insurance coverage depends upon a number of factors like age, way of life, city of residence, yearly income etc.

  2. What is the ideal age to get health insurance?

    A health insurance should be availed as soon as possible so as to avoid any medical emergency that may arise anytime and anywhere. Health Insurance takes care of hefty expenses that are made in case a sudden serious medical mishap strikes.

  3. What is meant by Family Package cover?

    Family Package cover refers to the family floater plan that covers the insurance needs of the full family namely, self, spouse, parents, children and parent-in-laws.

  4. What are the benefits of Family Package Gold scheme over the Silver Plan?

    Gold scheme has the following major benefits –

    • Daily Hospital Cash
    • Attendant Allowance for children aged between 3 months to 10 years
  5. Are there any sub-plans in the Family Welfare Package?

    Yes. The Family Welfare Package is available in two sub-plans namely, Plan Silver and Plan Gold.

  6. I have a Health Insurance scheme from my Employer, do I still need a personal Health Insurance policy?

    Yes. Your Employer-provided policy is usually non-transferrable, so it might be difficult when you change your job. Medical records too are maintained more proficiently in case a single health insurance policy is availed and then continued. Hence, it is advisable to have a private policy too in addition with the insurance scheme offered by your company.

  7. Is maternity/pregnancy covered as a part of Oriental Health Insurance Schemes?

    No. However, company provided group insurance schemes generally cover maternity expenses too.

  8. Will get any tax benefit on Oriental Health Insurance schemes?

    Yes. Tax exemption is available under section 80D of the Income Tax Act.

  9. What is the minimum entry age of Oriental Health Insurance Policy?

    The minimum age is 91 days.

  10. Can the sum-insured be changed?

    Yes. It can be changed on policy renewal at the end of annual terms.

  11. What is the maximum age of an applicant?

    Upper limit for the age of applicant for health insurance is 80 years.

  12. What are the documents required for applying for Oriental Health Insurance?

    A few basic documents like age proof, ID proof and residence proof. In some cases, a medical examination too may be required.

  13. Can I avail cashless hospitalization facility with this insurance?

    Yes. Cashless facility for claim settlement is available in various major hospitals of the nation.

  14. What is the range of sum insured that I can choose from?

    Sum insured varies between Rs.50000 to Rs.500000

  15. What is Oriental Health Insurance toll-free number?

    For any policy-related queries, contact Oriental Insurance toll-free number at 1800 11 8485.

Examples of Network Hospitals in Major Cities

CITY NAME OF HOSPITAL
DELHI DHARAMSHILA CANCER HOSPITAL AND RESEARCH CENTRE
MUMBAI ARYAN MEDICAL HOSPITAL AND ICU
KOLKATA ADVANCE MEDICARE & RESEARCH INSTITUTE LTD
BANGALORE APOLLO HOSPITAL
CHENNAI AMMA HOSPITAL

 4.5 / 5.0   by 215 users
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Cashless Treatment

Customer Service

Medical Coverage

Claim Experience

News About Oriental Health Insurance

  • Oriental Insurance Makes an Entry with Rs 1,510 Crore Profits

    For the financial year that ended on 31 March, 2018, state-owned insurance provider known as Oriental Insurance reported a total profit earning of Rs.1,510 crore. The insurance company has reported a massive improvement in treasury remuneration and business strategy restructuring.

    Earlier, during the financial year 2016-17, Oriental Insurance had reported a total loss amounting to Rs.1,691 crore. Further, in the financial year 2017-18, the gross premium collected by the insurance company stood at Rs.11,737 crore as opposed to Rs.11,117 crore that was collected in the preceding fiscal year.

    As soon as treasury operations started improving for the insurance provider, Oriental Insurance Company started to gain back their lost profits. With regard to this, the investment income of the insurance provider underwent a hike to Rs.3,323 crore from Rs 2,341 crore during the course of the financial year of 2017. The motor business accounts for maximum of the profits earned by Oriental Insurance. They (the motor business) also have the largest portfolio in terms of number of policies available.

    The most magnificent element amidst all the hype is that the company’s underwriting losses have significantly reduced to Rs.1,923 crore as opposed to Rs.43,36 crore reported during the previous financial year.

    6 August 2018

  • Hike on Oriental Health Insurance Premium

    The state owned insurer Oriental Health Insurance has reportedly increased the rates of premium for its health insurance plans by 40%. The sudden spike in rates has incurred complaints from policyholders who own individual and family floater plans.

    People who haven’t made any claims over the past year have also encountered such hikes in the premium rates. The complaints have been reportedly more from policyholders who are in the senior citizen age group. The Insurance Regulatory and Development Authority of India allows revision of premium rates every three years and Oriental Insurance hasn’t been doing any such updates since 2009.

    The deferred rate changes have been brought in after careful calculation and adjusting of anomalies as per the insurer. The average increase of premium across insurers has been 25% per year as allowed by IRDAI. Compared to that, the 40% increase that has happened for Oriental Insurance is pretty standard as per the company. There were a few loopholes in the existing policy terminology which were being taken advantage of by policyholders who had floater policies active. Those loopholes have been sealed and now the insurer has a single premium table for all the members under a floater policy.

    15 April 2015

  • Qatar to have an Oriental Insurance Office!

    The public sector insurance player Oriental Insurance will soon be opening a new office in Qatar. As part of its overseas expansion plan, the insurance company has already opened offices in Dubai, Kuwait and Nepal.


    The company opened as many as 598 new branches all over the country in the year 2013-14, which is an exceptional achievement since almost all private players have been closing down many of their offices in the country.


    Private insurance players do not get much traction in small cities and as such public companies shoulder the responsibility of popularizing risk coverage and fulfilling insurance needs of the people. According to IRDA, Insurance Regulatory and Development Authority of India, around 700 insurance offices were shut down during the year 2013-14 while the number of new offices was just 150.


    28 January 2015

This Insurance Company has not partnered with BankBazaar.com. For more details, please visit its website/branch office. The trademarks, logos and other subject matters of intellectual property belong to their respective owners.

GST rate of 18% applicable for all financial services effective July 1, 2017.

Disclaimer: Premiums may vary depending upon factors like age, location and prevailing taxes/GST.

Oriental Health Insurance Reviews

Page 1 of 11 1 2 3 4 5
  • Oriental Insurance Health Insurance
    "Experience is good"
    0.5 5.0/5 "Blown Away!"
    I have taken my health insurance from Oriental insurance. It is policy for my family and I. We have been using it for about ten years. I have had a claim thrice and it is a cash less facility and the medical coverage is good. They also have a tie up with a good net work of hospitals.
    Was this review helpful? 0
    , ahmedabad
    Reviewed on Mar 23, 2019
  • Oriental Insurance Health Insurance
    "Its Good"
    0.5 4.5/5 "Excellent!"
    My old insurance company was with Oriental, it was covered with spouse and me. I got the the medical cover of Rs. 5 lakhs. They got tie up with many hospitals, any way I don't have any experience. Even the cost of the premium is low as compared to other insurance provider.
    Was this review helpful? 0
    , noida
    Reviewed on Feb 28, 2019
  • Oriental Insurance Health Insurance
    "Can do better"
    0.5 5.0/5 "Blown Away!"
    Oriental Insurance gives Rs. 4 lakhs of covers its good for the major and minor diseases. Its a individual policy, I received the medical card on time without any hassles. Major of the hospitals got tie up with the insurer, but they are not providing pre existing disease cover, they can be better in the service.
    Was this review helpful? 0
    , vadodara
    Reviewed on Feb 23, 2019
  • Oriental Insurance Health Insurance
    "Good Service"
    0.5 5.0/5 "Blown Away!"
    I am having Oriental Health Insurance and every year need to renew the health policy .Last year suffered by Heart Attack and claimed for the medical coverage amount received after 8 days The Branch manager assisted a lot and got the amt within 8 days and also received the policy documents on time ,got the renewal details before 2 days ,March 16th is the renewal date so got the renewal notice on advance.The Overall service is good .
    Was this review helpful? 0
    , bangalore
    Reviewed on Feb 22, 2019
  • Oriental Insurance Health Insurance
    "Good Policy"
    0.5 4.0/5 "Great!"
    I have a health insurance policy with Oriental insurance from more than 2 years. A premium of Rs 24000 has to be paid for this insurance. I had a claim experience last year and they covered 90% of the billed amount and it was a cashless treatment.
    Was this review helpful? 0
    , bangalore
    Reviewed on Feb 19, 2019
  • Oriental Insurance Health Insurance
    "Good Policy. "
    0.5 4.0/5 "Great!"
    I have purchased my health insurance for my self alone. I have paid the premium amount of Rs. 15000. They are giving a 100% coverage with a cashless treatment facility. They have given me a policy cover of Rs. 5 lakhs. My health insurance policy was taken from Oriental.
    Was this review helpful? 0
    , mumbai
    Reviewed on Feb 17, 2019
  • Oriental Insurance Health Insurance
    "GOOD"
    0.5 4.0/5 "Great!"
    I am holding the health insurance policy with the ORIENTAL INSURANCE where i had a claim for twice with this insurance. I have a very good experience with the claim and the medical coverage is for 3L which gives the medical coverage for self with this policy.
    Was this review helpful? 0
    , faridabad
    Reviewed on Feb 11, 2019
  • Oriental Insurance Health Insurance
    "Good"
    0.5 5.0/5 "Blown Away!"
    Actually my company has offered me a health insurance policy from Oriental Insurance. It covers 5 members of the family. I never gone for a claim experience and not contacted the customer service. The medical coverage is 3L per person. It covers all types of disease.
    Was this review helpful? 1
    , bangalore
    Reviewed on Feb 08, 2019
  • Oriental Insurance Health Insurance
    "Very good service"
    0.5 5.0/5 "Blown Away!"
    I had taken this health insurance policy long back and the premium amount has been nominal they have charged me , i use to pay on yearly basis. my company had provided this insurance, as they use to pay on my behalf, they have tie up with many hospital their overall service is good.
    Was this review helpful? 0
    , mumbai
    Reviewed on Jan 30, 2019
  • Oriental Insurance Health Insurance
    "Excellent Service"
    0.5 5.0/5 "Blown Away!"
    I had taken this insurance policy a long time back and the premium amount has been nominal which was not too high. The payment method has not been high and there has been claims made two to three times and the claiming method has bee quite easy and convenient.
    Was this review helpful? 0
    , mumbai
    Reviewed on Jan 26, 2019
  • Oriental Insurance Health Insurance
    "Good service"
    0.5 5.0/5 "Blown Away!"
    I have a health insurance policy with Oriental Insurance, i never had any claim Experience with this policy , this policy cover accidental claim and i pay premium on yearly basis ,and it use to get auto debited my account, so far I did not face any issues till date.
    Was this review helpful? 0
    , mumbai
    Reviewed on Dec 30, 2018
  • Oriental Insurance Health Insurance
    "Good Policy"
    0.5 4.0/5 "Great!"
    I have a health insurance policy with Oriental insurance from last 3 years, i pay a premium of more than Rs 10000 for this insurance policy. There was no claim experience so far with this insurance. This policy has a coverage value of Rs 5 lacs.
    Was this review helpful? 0
    , ghaziabad
    Reviewed on Dec 29, 2018
  • Oriental Insurance Health Insurance
    "Good policy"
    0.5 5.0/5 "Blown Away!"
    My health insurance policy was taken with Oriental. My total family has been covered in this policy. Within 5 hours, they have processed the claim and the settlement amount was satisfied and they have provided me a cashless treatment facility even though the list of hospital list was not much good. Coverage value of the policy is 5 lakhs.
    Was this review helpful? 0
    , bangalore
    Reviewed on Dec 21, 2018
  • Oriental Insurance Health Insurance
    "Good service"
    0.5 4.0/5 "Great!"
    I have been using my health insurance with Oriental bank insurance, i took mediclaim with this institution, they have tie up with many hospital and they have shared me those hospital location, and this insurance company is not dealing directly, they have agent involve with me and those agent are not good, like for 1,00,000 claim i get that 80% easy but for 20% i am struggling lot.
    Was this review helpful? 0
    , kolkata
    Reviewed on Dec 19, 2018
  • Oriental Insurance Health Insurance
    "Insurance should cover for all the illness"
    0.5 3.5/5 "Pretty good"
    My HCL company gave me 3the Oriental Insurance health policy for Rs.5 lakhs for entire family, cash less treatment is there. I used for my father and also for me when I met with accidental they gave me good treatment. I got cash less treatment for 4 days in orthopedic hospital in Vijayawada. But some thing cant not covered. If we going for treatment should inform on priority or they give only 70% and also for contaminated disease and cancer will not under this.
    Was this review helpful? 0
    , chennai
    Reviewed on Dec 07, 2018
  • Oriental Insurance Health Insurance
    "Very Good Service"
    0.5 4.0/5 "Great!"
    I had taken this insurance policy a long time back and the policy was taken for my parents. I had been paying the premium on the annual basis and it was around 14,000. There has been cash less treatment available and it has been covering 4 hospitals in my parents location.
    Was this review helpful? 0
    , new delhi
    Reviewed on Nov 28, 2018
  • Oriental Insurance Health Insurance
    "Very good health insurance policy"
    0.5 5.0/5 "Blown Away!"
    Past 7 years i have been renewing the health insurance policy with Oriental company. My entire has been covered by this policy. I pay the premium amount of Rs. 10000 per year. They are offering a coverage amount of Rs. 10 lakhs. So many hospital has tie up with oriental insurance. I had no claim experience till now.
    Was this review helpful? 0
    , new delhi
    Reviewed on Nov 28, 2018
  • Oriental Insurance Health Insurance
    "Excellent"
    0.5 4.0/5 "Great!"
    I have a health insurance policy with Oriental which was provided by company.It is for entire family and policy coverage for per person is 2.5L.There is no claim experience. They have good network of hospital for the cashless facility. They cover all types of minor, major diseases and critical illness.
    Was this review helpful? 0
    , chennai
    Reviewed on Nov 17, 2018
  • Oriental Insurance Health Insurance
    "Need to improve on the coverage"
    0.5 4.0/5 "Great!"
    One of my friend have suggest this company, the medical coverage value is low around Rs. 3 lakhs then I have top up with HDFC Ergo. But Oriental insurance have tie up with many hospital in Hyderabad, I got my medical card on time, I need to approach through paper.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Nov 13, 2018
  • Oriental Insurance Health Insurance
    "Good policy"
    0.5 4.0/5 "Great!"
    From Oriental health insurance i have taken health insurance , am satisfied with the premium amount which am making . I am getting benefits of Cashless hospitalization and pre disease cover . Even they listed the network of hospitals . Their customer representative explained the policy . Overall am satisfied with this policy.
    Was this review helpful? 0
    , new delhi
    Reviewed on Sep 04, 2018
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