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Oriental Health Insurance Plans Overview

Oriental health insurance offers 10 health insurance plans. The premium of these plans starts from Rs. 50/yr. The sum insured ranges from Rs. 500 - 50 Lakh. Details of the comprehensive coverage provided by the following 10 Oriental health insurance plans are listed below:

Arogya Sanjeevani Policy Oriental Insurance

Starting Premium- ₹ 2,281/yr

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.Its main features are as follows

  1. The plan offers coverage for the sum insured for a minimum of INR 1 lakh and a maximum of INR 25 lakhs.Up to INR 5 lakhs, the sum insured is available in multiples of INR 50,000. Above that, the sum insured amounts are: INR 6 lakhs, 8 lakhs, 10 lakhs, 15 lakhs and 20 lakhs
  2. Expenses on room rent, boarding and nursing are covered up to 2% of the sum insured
  3. ICU charges are covered up to 5% of the sum insured
  4. The premium of the policy remain the same all over the country
  5. You can cover your spouse and your dependent children who are in the age group of 3 months to 25 years
  6. Parents and parents-in-law can also be covered in this plan
  7. For each claim-free year, you can avail of a cumulative bonus of 5%, up to a maximum of 50%
  8. There is the option of lifelong renewability with no maximum age limit
  9. Per hospitalisation, an ambulance cover up to INR 2,000 is available
  10. You can avail of a 5% discount when you buy the policy online
  11. Expenses on dental treatment and plastic surgery are covered when necessitated after an illness or an injury
  12. Specified Modern treatments are covered up to 50% of Sum Insured
  13. The policy covers daycare procedures, specific modern treatments and AYUSH treatments as well
  14. The claim can be availed on a cashless as well on a reimbursement basis
  15. The plan comes with a 5% mandatory co-payment
  16. No pre-policy medical tests are required till the age of 55 years
  17. You have the option to increase the sum insured

Eligible Age

18 years - 65 years

PED Waiting Period

4 years

Coverage

1 Lakh - 20 Lakh

NCB

5% increase in cover;max upto 50%

Corona Kavach And Group Corona Kavach

Starting Premium- ₹ 303/yr

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:

  1. The policy covers hospital expenses due to in-patient care that includes:
    • Room rent, boarding and nursing
    • ICU and ICCU charges, along with Fee of Specialists, surgeons, medical practitioners, consultants
    • Blood, oxygen, OT charges, surgical appliances, ventilator charges, medicines
    • PPE kits and gloves, masks
    • Costs towards diagnostic investigations
    • Road ambulance expenses up to INR 2,000 of an insured for covid-related hospitalisation will be covered
  2. In-patient AYUSH treatment expenses taken in AYUSH hospitals are covered up to the sum insured, without any sub-limits
  3. You can take home-care treatment which is prescribed by a medical practitioner and otherwise requires hospitalisation of more than 24 hours.This benefit can be taken for a maximum period of 14 days
  4. As an add-on cover, you can get Hospital daily cash of 0.5% of the sum insured for every 24 hours on break-free hospitalisation
  5. There are no deductibles in this policy
  6. No medical screening is required before buying a fresh policy
  7. Pre and post-hospitalisation expenses, related to COVID-19, are covered for 15 and 30 days respectively
  8. There is a waiting period of 15 days from the policy inception date
  9. Claims can be made in the form of Cashless Claim or Reimbursement
  10. The following discounts can be availed of
    • 5% digital account when the policy is bought online
    • Health care workers are eligible for a 5% discount
    • If TPA services are not opted for, you can avail of a 5.5% discount on the premium

Eligible Age

18 years - 65 years

PED Waiting Period

15 days

Coverage

50,000 - 5 Lakh

NCB

NA

OBC Oriental Mediclaim Policy 2017

Starting Premium- ₹ 2,637/yr

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

  1. Three types of policies can be taken under the plan – One account one policy,multiple accounts one policy and one person one policy
  2. No pre-policy health check-ups are required under the plan
  3. Daily hospital cash benefit of INR 200/day of hospitalisation is payable under the plan
  4. Funeral expenses of the insured are also covered
  5. You get coverage for more than 116-day care treatments

Eligible Age

91 days - 79 years

PED Waiting Period

3 years

Coverage

1 Lakh - 10 Lakh

NCB

NA

Oriental Top-up Plans

Oriental health insurance provides 1 top-up plan. The premium of these top-up plans start from Rs. 1,814/yr. The sum insured ranges from Rs. 3 Lakh - 30 Lakh. Oriental top-up plans provide enhanced coverage and added protection for your well-being. Explore the details of each Oriental top-up insurance policy below:

Oriental Super Health Topup Plan

Starting Premium- ₹ 1,814/yr

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

  1. Coverage can be extended till 70 years of age if you pay 10% additional premium
  2. AYUSH treatments are also covered under the plan
  3. You can get coverage for organ donor expenses whether you are a recipient or a donor yourself
  4. Maternity and the newborn baby cover is available under the plan
  5. You can extend your coverage to avail hospitalisation in SAARC countries too without any additional premium

Eligible Age

91 days - 70 years

PED Waiting Period

4 years

Coverage

3 Lakh - 30 Lakh

NCB

NA

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FAQs

At the time of buying a health insurance policy from Oriental Insurance, the following documents would be required

  • Identity proof
  • Age proof of yourself and the members being covered
  • Address proof
  • Photographs

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.

No, maternity cover is allowed after a waiting period. The policy might have a waiting period of 24 to 48 months depending on the policy.
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