The Oriental Insurance Company Limited was formed in the year 1947 as a fully owned subsidiary of The Oriental Government Security Life Assurance Company Limited. Thereafter, from the year 1956 to the year 1973, the company operated as a subsidiary of the Life Insurance Corporation of India. Finally, in the year 2003, the company’s shares were transferred to the Indian Government and as of today the Government of India owns and controls the operations of Oriental Insurance.
Oriental Insurance is among one of the four public sector general insurance companies in India in the general insurance segment. The company offers general insurance policies for individuals as well as corporates. Oriental Insurance has a range of general insurance products to protect you against possible financial contingencies. Health insurance is one such product offered by the company. Let’s explore Oriental health insurance plans and check their features –
Health insurance policies offered by the Oriental Insurance Company are characterized by the following features and benefits –
Oriental Insurance Company offers a range of health insurance plans which suit the coverage requirement of every individual. Oriental medical insurance policies have the following common coverage benefits –
Coverage benefit |
Type of coverage offered |
Pre-hospitalisation |
The medical costs incurred before you are actually hospitalised for treatments are called pre-hospitalisation expenses. These expenses can be incurred on medical check-ups, diagnostics, doctor’s consultations, etc. Pre-hospitalisation costs are covered for a specific period before actual hospitalisation |
Inpatient hospitalisation |
When you are admitted to a hospital for 24 hours or more, it is called inpatient hospitalisation. On such hospitalisation, the costs incurred towards room rent, doctor’s fee, surgeon’s fee, anaesthetist’s fee, nurse’s fee, medicine, oxygen, etc. are covered |
Post hospitalisation |
After being discharged from the hospital you incur various medical expenses for monitoring the recovery. These expenses are called post hospitalisation expenses and they are also covered for a specified period |
Ambulance expenses |
The expenses incurred on an ambulance to take you to the hospital for treatments are covered under Oriental health insurance plans up to specified limits |
Daycare treatments |
If you undergo treatments which do not need you to be hospitalised for 24 hours because of advanced techniques, such treatments would be covered under this category of daycare treatments |
Organ donor treatments |
Expenses incurred in harvesting an organ from a donor for your transplant treatments are covered under most Oriental health insurance plans |
Domiciliary treatments |
Treatments which you take at home are called domiciliary treatments. These treatments are covered under some plans if the treatments are done because of non-availability of hospital beds or because you were not in a condition to be transported to the hospital |
Maternity treatments |
Some Oriental health insurance plans cover expenses incurred on normal as well as Caesarean deliveries, prenatal care and postnatal care. The newborn baby can also be covered from birth |
Alternative treatments |
Expenses incurred on non-allopathic means of treatments are also covered up to specified limits under many plans. These non-allopathic treatments include Ayurveda, Unani, Siddha and Homeopathy (AYUSH) |
Other benefits of Oriental health insurance plans
Besides providing you with the above-mentioned coverage benefits, Oriental Insurance mediclaim policies also offer various value-added benefits under their plans. These benefits are as follows –
If you continue renewing the policy with Oriental Insurance, the company would allow you the facility of free health check-ups after a specified number of policy years. These check-ups can be availed by you as well as your family members if they are also covered under the plan.
If no claim is made in a policy year, the company rewards you with a cumulative bonus. This bonus can either increase the sum insured without affecting the premium or give you a premium discount in the renewal premium. Moreover, you can accumulate the bonus for each subsequent claim-free year.
Every health plan offered by Oriental Insurance also offers you attractive premium discounts. Discounts can be allowed for buying the policy online, for adding two or more family members to the coverage or for choosing a long term coverage period.
Besides the inbuilt coverage benefits offered by Oriental health insurance policies, there are optional riders too which are available under different plans. If you want to increase the scope of coverage, you can choose one or more of the available optional riders by paying an additional premium. The available riders are as follows –
This cover allows you a lump sum benefit if you face accidental death or permanent disablement due to an accident.
You can choose to get the sum insured restored if it is exhausted on previous claims. This restoration can be opted for up to 50% or 100% of the original sum insured.
Under this cover, you get coverage for critical illnesses. The plan covers 11 critical illnesses and if you suffer from any of the illness the plan pays a lump sum benefit if you survive a specified period.
If you choose to pay a part of the claim yourself you can get a premium discount. Oriental health insurance plans allow you to choose a voluntary co-payment of 10% or 20% of the claim and you get a premium discount.
There are some instances of claims for which you would not get coverage under Oriental health insurance plans. These are called exclusions and some of the common exclusions which you can find in all health plans of the company include the following –
Here’s a list of health insurance plan offered by Oriental along with their salient features –
This is one of the most popular as well as a comprehensive health insurance plan offered by Oriental Insurance. The plan covers the entire family under a floater coverage and has the following salient features –
Eligibility parameters of Oriental Insurance Happy Family Floater Policy:
Entry age |
Children – 3 months to 25 years Adults – 18 years to 70 years |
Sum insured |
INR 2 lakhs to INR 20 lakhs |
Policy term |
1 year |
This is a super top-up health plan which pays the excess medical costs incurred if your base health insurance policy’s coverage is exhausted. The policy has a deductible limit. If the claim exceeds the deductible limit the policy pays the benefit. The salient features of the plan are as follows –
Eligibility parameters of Oriental Super Health Top-up Plan
Entry age |
Children – 3 months to 18 years Adults – 18 years to 70 years |
Sum insured |
INR 3 lakhs to INR 30 lakhs |
Deductible limits |
INR 3 lakhs to INR 20 lakhs |
Policy term |
1 year |
This is a health insurance plan which has been specifically designed for Indian citizens who undertake emigration clearance or who become emigrants to work abroad. The features of the plan are as follows –
Eligibility parameters of Oriental Insurance Pravasi Bharatiya Bima Yojana 2017
Sum insured |
Depends on the coverage benefit |
Policy term |
2 years or 3 years |
This is a group health insurance policy designed for the account holders of the Oriental Bank of Commerce. The features of the policy are as follows –
Eligibility parameters of OBC Oriental Mediclaim Policy 2017:
Entry age |
Children – 3 months to 18 years Adults – 18 years to 79 years |
Sum insured |
INR 1 lakh to INR 10 lakhs |
Policy term |
1 year |
This is also a group health insurance scheme for account holders of Punjab National Bank. The policy’s salient features are as follows –
Eligibility parameters of PNB Oriental Royal Mediclaim Policy
Entry age |
Children – 3 months to 25 years Adults – 18 years to 70 years |
Sum insured |
INR 2 lakhs to INR 20 lakhs |
Policy term |
1 year |
As the name suggests, this is a group health insurance scheme which can be availed by groups which have at least 50 members. The salient features of the plan are as follows –
Eligibility parameters of Oriental Insurance Group Mediclaim Policy
Entry age |
Children – 3 months to 18 years Adults – 18 years onwards |
Sum insured |
INR 50,000 to INR 2 lakhs |
Policy term |
1 year |
This is a senior citizen health insurance plan designed for individuals who are older. The features of the policy are as follows –
Eligibility parameters of Oriental Insurance Health of Privileged Elders (HOPE)
Entry age |
60 years onwards |
Sum insured |
INR 1 lakh to INR 5 lakhs |
Policy term |
1 year |
It is an international travel-cum-health insurance plan which is available for individuals travelling abroad on business or holiday. The features of the plan are as follows –
This is also an international travel and health insurance product which covers international trips taken for the purpose of employment or higher education. The features of the plan are as follows –
This is a fixed benefit hospital cash plan which pays a lump sum daily cash benefit if you are hospitalised for a period of 24 hours or more. The salient features of the policy are as follows –
Eligibility parameters of Oriental Happy Cash Policy
Entry age |
Children – 3 months to 18 years Adults – 18 years to 60 years |
Daily hospital cash benefit |
INR 500 to INR 3000 |
Policy term |
1 year |
This is an affordable health insurance plan which covers all the basic medical expenses and comes at a very low premium rate. The features of the policy are as follows –
Eligibility parameters of Oriental Jan Arogya Bima Policy
Entry age |
Children – 3 months to 5 years Others – 5 years to 70 years |
Sum insured |
INR 5000 |
Policy term |
1 year |
Arogya Sanjeevani Policy Oriental Insuranceis a standard health insurance policy issued under the guidelines of IRDAI. Available on a Family Floater as well as an individual basis, the plan is available at affordable premium rates. The plan is a straightforward health insurance plan that offers you financial support in case you or a covered family member has to be hospitalised for 24 hours or more.
Eligibility parameters ofOriental Arogya Sanjeevani Policy
Entry Age |
18 years to 65 years |
Sum Insured |
INR 1 lakh to INR 20 lakhs |
Policy Term |
1 year |
Waiting period on Pre-existing disease |
48 months |
Co-payment |
Mandatory 5% on all claims |
Pre-policy Medical screening |
Not Required up to 55 years of age |
Pre-Existing Disease Waiting period |
48 months |
Oriental insurance Dengue Kavach is a fixed-benefit, disease-specific health insurance cover that is paid out when the insured is detected with Dengue fever. The premium of the policy remains the same across age groups. To settle the claim, you need to submit the Doctor’s prescription advising the test and the Positive Test Report. However, make sure that the Dengue fever positive test report is from a Government Approved Diagnostic/Pathological Laboratory in India.
This plan has the following features:
Eligibility parameters of Oriental Dengue Kavach
Entry Age |
18 years to 70 years |
Sum Insured |
INR 10,000 and INR 20,000 |
Policy Term |
1 year |
Waiting period |
30 days |
Co-payment |
Not applicable |
Pre-policy Medical screening |
Not required |
Payment Basis |
Lump-sum benefit |
Oriental Insurance Critical Illness Policy is a fixed benefit policy. Under this plan, when an insured person is diagnosed with any of the listed 22 critical illnesses, a lump-sum benefit is paid out. The plan comes with 2 plan variants:
Let us take a look at the salient features of theOriental Critical Illness Policy:
Eligibility parameters ofOriental Critical Illness Policy
Entry Age |
18 years to 65 years |
Sum Insured |
For Policyholders Up to 50 years of age: INR 2 lakhs to INR 50 lakhs For Policyholders over 50 years of age: INR 2 lakhs to INR 20 lakhs |
Policy Term |
1 year/ 3 years |
Waiting Period |
90 days |
Survival Period |
30 days |
Co-payment |
Not applicable |
Pre-policy Medical screening |
Not required up to 45 years of age |
Payment Basis |
Lump-sum benefit |
To help deal with the financial aspect of Covid-19, the IRDA advised the health insurance companies to offer pandemic-specific health plans to the public. Corona Kavach is standard health insurance and hence, the terms and conditions and premium rates of this plan are similar among different health insurance companies. The policy covers Covid-specific treatment expenses incurred due to hospitalisation of over 24 hours. Apart from the in-patient expenses, the policy also covers doctor prescribed home care treatments for up to 14 days. Apart from COVID, no other illness or injury is covered under this plan.
Given below are the main features of the Corona Kavach Policy:
Eligibility parameters of Oriental Insurance Corona Kavach and Group Corona Kavach
Entry Age |
18 years to 65 years |
Sum Insured |
INR 50,000 to 5 lakhs |
Policy Term |
3.5 months, 6.5 months, 9.5 months |
Waiting Period |
15 days |
Sub-Limits |
Nominal sub-limits |
Co-payment |
Not applicable |
Pre-policy Medical screening |
Not required |
Payment Basis |
Indemnity basis for the base cover Benefit basis for optional cover |
Health insurance plans offered by Oriental Insurance Company can be bought either offline or online. The process is as follows –
To buy offline you can meet with an agent of the company and buy the policy from him/her. Alternatively, you can visit the company’s nearest branch and apply for a desired health insurance policy from the branch itself. You would have to fill up an application form and submit your documents to buy Oriental health insurance plans.
Oriental Insurance also allows online purchase facility wherein you can buy the plans online from the company’s website. You just have to visit the website at https://orientalinsurance.org.in/web/guest/home, choose ‘products’ choose ‘Health’ and then select the desired policy. You can fill an online application form, pay online premiums and buy the policy directly from the company’s website.
You can also choose to buy Oriental health insurance from Turtlemint. Turtlemint allows you an easy interface to buy the desired health insurance policy at the best premium rates. You can also compare the available plans and find the best health insurance plan on Turtlemint’s platform. To buy all you have to do is visit Turtlemint and take the following steps –
Timely renewals of Oriental health insurance policies are a must so that you can enjoy non-stop coverage lifelong. Moreover, when you renew the policy continuously, you also enjoy renewal benefits like cumulative bonus, premium discounts, coverage for existing illnesses, etc. To renew your Oriental mediclaim policy online, you can visit the company’s website and renew the plan. On the home page, there is the option of renewing online. You can choose the option, enter in your existing policy details and pay the renewal premium online. The policy would be renewed.
Even Turtlemint allows you online renewal facilities. If you are an existing customer who has bought a policy from Turtlemint, you can simply log into your online account and renew your policy instantly. You would have to choose the policy which you want to renew, check the policy details and pay the renewal premiums and the policy would be easily renewed.
Claims under your Oriental medical insurance policy can be made in two ways – cashless or reimbursement. Cashless claims are when you seek treatment at a hospital which is tied-up with the insurance company. In this case, the company pays your hospital bills directly to the hospital. Reimbursement claims are when you take treatments at a non-networked hospital. In that case, you would have to pay the medical bills yourself and then get them reimbursed from the insurance company. The claim process involves the below-mentioned steps –
You can also make your health insurance claim through Turtlemint. Turtlemint has an internal claims department which handles customers’ claims. You just have to inform Turtlemint by calling up its toll-free number 1800 266 0101 or send an email at claims@turtlemint.com. Once the company is involved, its claim experts would get your claims processed so that you can get an easy and a quick settlement.
Health insurance claims can be processed only when you substantiate your claim with the relevant documents. The documents required for making a valid claim in your Oriental health insurance plan are as follows –
Once the documents are submitted and they are complete, you would get the settlement of your health insurance claim.
At the time of buying a health insurance policy from Oriental Insurance, the following documents would be required –
Yes, you can buy as many health insurance plans as you like. There is no restriction on the number of policies that you can buy.
Dependent children are covered until 18 years or 25 years of age. Dependent daughters can be covered until they are married.