• Oriental HOPE Senior Citizen Health Insurance Plan

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    Cashless Treatment

    Customer Service

    Medical Coverage

    Claim Experience

    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. The policy also offers various benefits along with the health insurance policy. The unique feature of the policy is that it covers medical costs that usually are not covered such as ambulance charges, prescription drug charges and cost of prosthetic devices.

    Features and benefits of Oriental Insurance HOPE:

    Listed below are the features and benefits of this plan:

    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 on the policy
    • 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
    Benefits under the policy
    • Provides the benefit of domiciliary hospitalisation
    • Provides discount on premium on voluntary co-payment
    • Cashless service through TPA up to Rs.1 lakh
    • Offers benefit on the cost of health check-up after 4 consistent claim free years
    • Offers tax benefits on the premium under section 80D of the Income Tax Act.
    Exclusions under the policy
    • Any disease / health condition / illness / ailment or any condition arising therefrom other than those specified in the policy as covered
    • 2 yr exclusion on arthritis, cataract, surgery of benign prostatic hypertrophy, age related osteoporosis and osteoarthritis, calculus disease etc
    • Pre-existing diseases and related conditions for first 2 yrs
    • Any disease covered under the policy contracted by the Insured person during the first 30 days from the commencement date of the policy except treatment for accidental injuries
    • Injury or conditions due to any act of foreign enemy, war, nuclear materials
    • Circumcision, vaccination, inoculation
    • Surgery for eye sight correction, cost of spectacles, contact lenses, hearing aids, crutches, braces, walker etc
    • Any conditions due to abuse of drugs, alcohol or intoxicating substances
    • General weakness or rest cure
    • Self-inflicted injuries, suicide
    • Psychiatric and psychosomatic disorders
    • AIDS / HIV / STD
    • Cost of vitamins, tonics etc unless part of treatment
    • Massages, Steam bath, Shirodhara and like treatment under Ayurvedic treatment.
    • Doctor’s home visit charges, Attendant / Nursing charges during pre and post hospitalisation period.
    • Naturopathy, accupressure and accupuncture

    Other Health Insurance Plans from Oriental:

    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 HOPE Senior Citizen Health Insurance Plan Reviews

  • Page 1 of 10 1 2 3 4 5
    • Oriental Insurance Health Insurance
      "Best policy"
      0.5 5.0/5 "Blown Away!"
      I have my health insured with Oriental insurance from last 9 years, it is a family coverage which covers dependents and spouse. I have a coverage value of Rs 50 lakhs for this insurance policy. I pay a premium of Rs 25000 and i have no claim experience so far from this insurance.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on May 31, 2018
    • Oriental Insurance Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my health insured with Oriental insurance from last 7-8 years, i am happy with the coverage value of this insurance policy. My claim experience was good with this insurance and the coverage is up to 3-4 lakhs. I am not aware of the premium amount as my company pays it.
      Was this review helpful? 0
      , kolkata
      Reviewed on May 11, 2018
    • Oriental Insurance Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my health insured with Oriental insurance from last 4-5 years and it is a good policy to use. I have a coverage value of Rs 3-4 lakhs for this insurance policy. I have no claim experience with this insurance policy. A premium of Rs 15000 has to be paid for this insurance policy.
      Was this review helpful? 0
      , gurgaon
      Reviewed on May 07, 2018
    • Oriental Insurance Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have a health insurance with Oriental Insurance from last 1 year, i am not aware of the premium amount as my company pays it. I am happy with the coverage value of this insurance policy and they cover Rs 3 lakhs. I have no claim experience so far with this insurance.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 03, 2018
    • Oriental Insurance Health Insurance
      "Good policy to use"
      0.5 4.0/5 "Great!"
      My company has provided me the health insurance from the Oriental insurance . I hold this policy for more than 5 years. This policy covers 4 members in my family, in which it doesn't cower my parents. This policy has the medical coverage up to 5laksh and i am satisfied having this policy. I got good experience while claiming the policy.
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 30, 2018
    • Oriental Insurance Health Insurance
      "Best policy"
      0.5 5.0/5 "Blown Away!"
      I have my health insured with Oriental Insurance from last 2 years, i am not aware of the premium amount as my company pays it. I have a coverage of Rs 2.5 lakhs for this insurance. My claim experience was good as they covered 85% and it was a cashless treatment.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 28, 2018
    • Oriental Insurance Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have a health insurance with Oriental insurance from last 7 years, i have not claimed anything so far from this insurance policy. I am not aware of the premium amount as my company pays it. I have a coverage value of Rs 1.5 lakhs for this insurance policy.
      Was this review helpful? 0
      , kolkata
      Reviewed on Apr 27, 2018
    • Oriental Insurance Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my health insured with Oriental health from last 3-4 years, the coverage value of this insurance policy is 3-4 lakhs. I have not claimed anything so far with this insurance company. I am not aware of the premium amount as my company pays it.
      Was this review helpful? 0
      , new delhi
      Reviewed on Apr 17, 2018
    • Oriental Insurance Health Insurance
      "Good policy to use"
      0.5 4.0/5 "Great!"
      I hold the health insurance policy from the ORIENTAL INSURANCE company for the past 2 years. This policy covers only one member which is myself. This policy has the medical coverage up to Rs,500,000. The cashless treatment is available with the ORIENTAL INSURANCE health policy.
      Was this review helpful? 0
      , kolkata
      Reviewed on Apr 10, 2018
    • Oriental Insurance Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my health insurance with Oriental insurance from last 4-5 years and it is a good insurance policy to use. This policy has to be renewed every year and i pay a premium of Rs 7000-8000 for this insurance. I have a coverage of Rs 3 lakhs for this insurance and i do not have claim experience.
      Was this review helpful? 0
      , new delhi
      Reviewed on Apr 02, 2018
    • Oriental Insurance Health Insurance
      "Claim process is smooth"
      0.5 5.0/5 "Blown Away!"
      My health insurance is with Oriental insurance. Six months back I had a claim for my spouse and I had claim 33 to 35K. I submitted the documents and and I got the reimbursement soon. I got 99% of the claim amount. A very easy and smooth process. The medical coverage is for four lakhs.
      Was this review helpful? 0
      , vadodara
      Reviewed on Mar 01, 2018
    • Oriental Insurance Health Insurance
      "Good Policy to Hold"
      0.5 4.0/5 "Great!"
      My company provided health policy from Oriental Insurance, its an individual policy they have medical cover Rs. 2 lakhs, they got tie with good hospital. I got policy cover and e card using that I can get cashless treatment. I didn't utilized cover benefits.
      Was this review helpful? 0
      , mumbai
      Reviewed on Feb 27, 2018
    • Oriental Insurance Health Insurance
      "Good policy to use"
      0.5 4.0/5 "Great!"
      Around 2 years ago , I have got the health insurance policy from the ORIENTAL INSURANCE. This policy covers 4 members in my family. This policy has the medical coverage amount up to 2 lakhs. The customer support service and the response is better with the ORIENTAL HEALTH INSURANCE POLICY.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 22, 2018
    • Oriental Insurance Health Insurance
      "Good policy to use"
      0.5 4.0/5 "Great!"
      I have a health insurance policy with Oriental Insurance from last 5 years, this policy has to be renewed every year and i pay a premium of Rs 11000 for this insurance. I have not taken any cashless treatment and i do not have claim experience so far with this insurance. I have a coverage of Rs 3 lakhs which is satisfactory for this insurance.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 05, 2018
    • Oriental Insurance Health Insurance
      "Best service"
      0.5 4.0/5 "Great!"
      I have taken Health insurance with Oriental Insurance.I pay an premium amount of 25-30,000 by cheque.I have been holding the policy for last 20 years .I am happy that they had covered 100% cashless treatment. They have additionally 10% charges.
      Was this review helpful? 0
      , vadodara
      Reviewed on Jan 30, 2018
    • Oriental Insurance Health Insurance
      "Good policy to use"
      0.5 4.0/5 "Great!"
      I have a health insurance with Oriental Insurance from last 7 years and it is one of the good insurance policy to use. This policy has to be renewed every year and i pay a premium of Rs 14000. I do not have claim experience and i have not taken any cashless treatment. I have a coverage of Rs 3 laksh which is satisfactory.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 29, 2018
    • Oriental Insurance Health Insurance
      "Perfect service"
      0.5 5.0/5 "Blown Away!"
      The cashless options is available with this oriental health insurance policy but it is available only in some hospitals . I have got the health insurance policy with the oriental insurance around 9 years ago. The customer support is good with the oriental . This policy covers 4 members in my family. This policy has the medical coverage of Rs,2,00,000.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jan 24, 2018
    • Oriental Insurance Health Insurance
      "Best insurance policy"
      0.5 5.0/5 "Blown Away!"
      I have taken a Health insurance with Oriental Insurance.I pay my premium amount through online and is 9000 annually.I have claim experience once they had covered 100% cashless treatment.Net banking is good and efficient to use.This policy is meant for individuals too.
      Was this review helpful? 0
      , chennai
      Reviewed on Jan 24, 2018
    • Oriental Insurance Health Insurance
      "Average"
      0.5 2.0/5 "Expected more"
      I am having the health insurance policy with the Oriental insurance company. The agents are not providing good service , also they could improve on it. I would like to say that the coverage value could be get improved with the Oriental insurance company.
      Was this review helpful? 0
      , kolkata
      Reviewed on Jan 06, 2018
    • Oriental Insurance Health Insurance
      "Claim procees should be better"
      0.5 3.0/5 "Satisfactory"
      I am using this Oriental Insurance for 5 years. The claim experience was average because I had to go to the doorstep and to submit all the documents. The claim process was very lengthy. In cashless service, they gave a good response. I am paying 6000 rupees per year to renew the policy.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 04, 2018
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