Oriental Insurance:Compare Plans, Features, Benefits

Oriental Insurance Company Limited is an Indian public sector general insurance company which was shaped into a legal company in 1947 at Mumbai. Oriental Insurance Company has its headquarters in New Delhi. Oriental Insurance was previously a wholly-owned subsidiary of Oriental Government Security Life Assurance Company Limited and later the company was formed to deliver and meet the requirements of General Insurance business in India. The vision of Oriental Insurance Company is “To be the most respected & preferred Non-Life Insurer in the markets we operate. Some of the interesting facts about the company are:

• Oriental Insurance Company 30 Regional Offices and more than 1800 operating offices across India
• Oriental Insurance Company has world-wide operations with an employee strength of around 13500
• The premium amount for the company for the financial year 2017-2018 was at INR 11452 Crores
• Oriental Insurance Company has been rated as A++ which is excellent given by A.M. Best

Benefits of Oriental Insurance Company

1. Financial protection against fears of life: The Company provides a complete shield against all the financial risks which arises due to certain unforeseen incidents in case of health hazards and damages done to assets like car, home, etc.
2. Tailormade Plans: The plans are personalized with reasonable premiums and therefore benefit one to choose and purchase accordingly.
3. Claims Settlement: The company has a very strong presence across India with many branches thereby providing an easy procedure of claim settlement
4. Online Plans: The presence of Online Plans helps one to purchase directly from the company website directly and reduces the cost of the insurance policy
5. Tax Benefit: One can avail the tax benefit under Section 10(10D) of the Income Tax Act, 1961.

Oriental Insurance Company Insurance Plans can be mainly categorized into the following:

1. Health Insurance Plans
2. Car Insurance Plans
3. Bike Insurance Plans

Oriental Insurance Health Insurance Plans

Oriental Insurance has an expanded collection under Health Insurance. The main purpose of Oriental Health Insurance is to ensure that insured is protected from the ever-rising medical expenditures since the health insurance plans cover practically all the medical expenditures of an insured person based on the type of plan chosen by the proposer. The company provides health insurance plans for everyone in India be it Individual, Senior Citizen or Group. We will study the various Health Insurance Plans that are offered by the company which are namely:

1. Individual Mediclaim Policy
2. Happy Family Floater Policy
3. Oriental Health of Privileged Elders Policy (HOPE)
4. Overseas Mediclaim policy
5. Janata Personal Accident Policy
6. Oriental Jan Arogya Plan
7. Oriental Happy Cash Policy
8. Oriental Pravasi Bharti Yojna Policy

1. Oriental Insurance Individual Mediclaim Policy: 

Oriental Insurance covers the medical expenditures of an individual insured person subsequent to hospitalization. This health insurance plan provides complete coverage against various illnesses and injuries, for example, an unexpected illness, any surgery for an ailment, accidental injury, etc.

The features of the plan are as follows:

• Coverage of hospitalization expenses due to sudden sickness, accident or disease
• Coverage of pre-existing disease from 5th year subject to continuousness of the plan uninterruptedly
• The facility of cashless in the network hospitals
• No medical examination for individuals till the age of 55 years
• Regular facilities include Pre and post hospitalization expenses covered for 30 and 60 days respectively, ambulance charges, in-patient hospitalization, daycare treatments, organ donor expenses, etc.
• Choice of voluntary co-payment of 10% and 20% with matching premium discount of 10% and 20% respectively on the Sum Insured of INR 2 lakhs and above. However, voluntary co-payment does not apply to Personal Accident

Eligibility of Oriental Insurance Individual Mediclaim Policy:

Entry age	18 years to 65 years, can be extended to 70 years with certain terms.
Sum assured	INR 50000 lakhs to INR 5 Lakhs
Premium	Depends on the age and sum assured
Renewability	Lifelong
Policy Term	1 year

2. Oriental Insurance Happy Family Floater Policy:

Oriental InsuranceHappy Family Floater Policy is a Mediclaim policy that protects the total family under a single plan or Sum Insured with widespread medical coverage. The plan is obtainable in three plans namely, Silver, Gold & Diamond and is available online as well.

The features of the plan are as follows:

• A family floater plan covering the proposer and his or her family under one umbrella of single Sum Insured under one Policy
• For Silver and Gold Plans, Pre-acceptance medical check-up is compulsory for individuals aged 60 years and above. And in Diamond Plan, the prerequisite is for persons aged 55years and above
• Coverage of pre-existing disease from 5th year subject to continuousness of the plan uninterruptedly
• The facility of cashless in the network hospitals
• No medical examination for individuals till the age of 55 years
• Regular facilities include Pre and post hospitalization expenses covered for 30 and 60 days respectively, ambulance charges, in-patient hospitalization, daycare treatments, organ donor expenses, newborn cover, second medical opinion, maternity expenses, daily hospital cash allowance, domiciliary expenses etc.
• A discount of 5% on the premium is allowable when the plan is bought On-line without any Middlemen

Eligibility of Oriental Insurance Happy Family Floater Policy

Entry age	18 years to 65 years, can be extended to 70 years with certain terms.
Sum assured	INR 2 lakhs to INR 20 Lakhs
Premium	Depends on the age and sum assured
Renewability	Lifelong
Policy Term	1 year

3. Oriental Health of Privileged Elders Policy (HOPE): 

This plan has been specially designed for senior citizens keeping in mind their old age and subsequent medical expenses which one might have to incur to maintain a healthy life. 

The features of the plan are as follows:

• The plan covers definite and specified diseases only
• A mandatory co-payment of 20% on the admissible claim amount
• Pre-Medical checkup required for fresh policies
• Availability of discount in premium for opting Voluntary Co-payment
• No claim discount available in premium
• Loading is applicable in case of new entrants
• The facility of Benefit of continuousness extension if there is an existing Mediclaim policy with other company
• Cashless Service through TPA only and limited to INR 1 lakh
• Regular facilities include Pre and post hospitalization expenses covered for 30 and 60 days respectively, ambulance charges, in-patient hospitalization, daycare treatments, second medical opinion, daily hospital cash allowance, domiciliary expenses etc.

Eligibility of Oriental Health of Privileged Elders Policy (HOPE): 

Entry age	Above 60 years
Sum assured	INR 1 lakhs to INR 5 Lakhs
Premium	Depends on the age and sum assured
Renewability	Lifelong
Policy Term	1 year

4. Oriental Overseas Mediclaim Policy: 

Oriental InsuranceOverseas Mediclaim Plan is a protection plan for those who are an arrangement for a trip abroad and wants an all-inclusive coverage.

The features of the plan are as follows:

• Expenditures for both in-patient and out-patient covered
• Coverage of pre-existing disease from 5th year subject to consciousness of the plan uninterruptedly
• The facility of cashless can be availed in collaboration with M/S Coris International
• Various Plans under the Overseas Mediclaim Policy are:
  • Coverage for Business and Holiday Travel for individuals
  • The facility of students who are studying abroad
  • Corporate Frequent Policy for Corporates who are sending their officials abroad

Eligibility of Oriental Overseas Mediclaim Policy:

Entry age	All
Sum assured	INR 50000 to INR 5 Lakhs
Premium	Depends on the age and sum assured
Renewability	Lifelong
Policy Term	1 year

5. Oriental Janata Personal Accident Policy: 

This is one of the most popular and effective Oriental Insurance plans. Janata Personal Accident Policy gives coverage to any citizen of India irrespective of age, sex and occupation falling under a particular age category. The plan offers Personal Accident cover which includes Death/Permanent Total Disablement, Loss of Limb(s) and Permanent Partial Disablement and compensation of Hospitalization expenditures as mentioned under the schedule of insurance of the policy and is available only to the citizen of India. This is an inexpensively priced insurance plan that can be afforded by everyone. The features of the plan are as follows:

Scope of Cover is as below:

• Death of the insured person
• Total and irrecoverable eyesight loss of both eyes or loss of use of two hands or feet or loss of sight of one eye and loss of use of hand or foot
• Total and irrecoverable eyesight loss of one eye or loss of use of one hand or foot
• Permanent total disablement because of accident

Eligibility of Oriental Janata Personal Accident Policy

Entry age	10 years to 80 years
Sum assured	INR 25000 to INR 5 Lakhs
Premium	Depends on the age and sum assured
Renewability	Lifelong
Policy Term	1 year

6. Oriental Jan Arogya Plan:

Oriental Insurance covers the medical expenditures of an individual insured person subsequent to hospitalization. This health insurance plan provides complete coverage against various illnesses and injuries, for example, an unexpected illness, any surgery for an ailment, accidental injury, etc. 

The features of the plan are as follows:

• The plan gives complete coverage and reimburses expenses related to Hospitalization, Domiciliary Hospitalization expenses for illness and diseases or continuous injury
• Regular facilities include Pre and post hospitalization expenses covered for 30 and 60 days respectively, nursing expenses, surgeon costs, blood, oxygen, x-ray, dialysis, medicines and drugs, cost of organs, room charges, fees for specialists and doctors, etc.
• A discount of 5% on the premium is allowable when the plan is bought On-line without any Middlemen

Eligibility of Oriental Jan Arogya Plan:

Entry age	5 years to 70 years, Child- 3 months to 5 years
Sum assured	INR 2 lakhs to INR 20 Lakhs
Premium	Depends on the age, the sum assured and family size
Renewability	Lifelong
Policy Term	1 year

7. Oriental Happy Cash: 

The Oriental Insurance Happy Cash Policy is being specifically designed to provide daily cash benefits to the insured person or the insured’s family in case of hospitalization to support with the related costs that create financial anxiety and worries. This plan is picture-perfect for providing a guard against all the non-medical expenses. The plan can be promptly bought or can be renewed online from the company’s official website.

The features of the plan are as follows:

• Scope of Cover is as below:
• Daily Cash Benefit
• Convalescence Benefit
• A transparent plan and easy to understand plan with in-expensive premiums and no unseen charges or terms and conditions
• Hassle-free claim settlement processes with 25% extra daily cash benefit for women at no extra cost
• No waiting period for any illness other than pre-existing disease
• No income proof is essential
• Medical tests are not required

Eligibility of Oriental Happy Cash:

Entry age	18 years to 65 years, Child- 3 months till 25 years
Sum assured	Daily Cash Benefit of INR 500, INR 1000, INR 2000 and INR 3000
Premium	Depends on the age and sum assured
Renewability	Lifelong
Policy Term	1 year

8. Oriental Householder Policy:

This plan by Oriental Insurance is created on the directives issued by the Ministry of External Affairs, of Government of India. All the Indian emigrants who are going abroad for the purpose of employment with ECR (Emigration Check Required) endorsement in their passport will have to mandatorily register for this plan. It offers special protection to such Non Resident Indian.

The features of the plan are as follows:

• The facility of a sum of INR 10 Lakhs in case of accidental death or permanent disability or employment loss caused due to injury or temporary or permanent disablement
• An additional benefit of INR 50000 for the family of the policyholder
• Compensation of one-way economy fare in case of a sudden loss of job subject to the terms
• In case of any unfortunate death, cost of transportation of the dead body together with the cost of airfare in economy class will be reimbursed
• Coverage of Maternity expenses for women emigrant till INR 25000
• Medical coverage of INR 75000 in case of hospitalization due to illness or bodily injury

Eligibility Oriental Householder Policy

Entry age	18 years to 60 years
Sum assured	Up to INR 10 Lakhs
Premium	Depends on the age and sum assured
Renewability	Lifelong
Policy Term	1 year

Oriental Insurance Car Insurance Plans

Oriental Car Insurance policies are predominantly planned to protect a vehicle owner with his vehicle from various damages. Oriental Insurance provides different motor insurance policies for both car and two-wheeler. Two aspects relating to a third party and all-inclusive covers for motor insurance are offered by the company. Other than the four-wheeler insurance covers, Oriental Car Insurance also offers various additional covers like Alternative Car Benefit, nil Depreciation Cover, Free Benefit of Emergency Service through TVS, Loss of Personal effects, etc. upon paying an extra payment together with the premium.

Private Car Insurance Plan covers the below:

• Loss due to accident or damage to the Vehicle 
• Liability to third parties with Personal Accident cover to owner-driver 
• Add on Covers on extra premium

Loss or damage of private cars caused by:

• Fire, Explosion, Lightening and Self-Ignition
• Burglary, Theft or Housebreaking
• Earthquake, Storm, Flood, Inundation. Terrorism, Riots, Strikes, Malicious Acts, Landslide or Rockslide 
• Transportation by Rail, Road Inland waterways, air or lift

 Features of the car insurance plan by Oriental Insurance are as below:

1. The ability of Oriental Insurance is tailored made protection plans for all kind of needs
2. The period of cover is for 1 year although cover for short terms are also available
3. Digital platform for Online Purchase of several plans, Renewal of plans together with Migration 
4. In case of accident or theft or damage to the insured vehicle facility of Alternative Car Benefit allowance as INR 400 or INR 650
5. Presence of Free Benefit of Emergency Service through TVS, nil depreciation, coverage of any loss to private possessions INR 400 or INR 650 cover without any additional premium
6. The Sum Insured is the insured decelerated value (IDV)
7. Complete Insurance Coverage for Any legal obligation to a third party in case of any Injury or Death and/or Property Damage to a third party caused due to insured vehicle causes
8. The Insurance amount will be the Insured Declared Value of the Vehicle (IDV). Vehicle less than 5 years old the Insured Declared Value is the Manufacturers listed selling Price adjusted for Depreciation based on the age of the vehicle. Vehicles after five years of age and outdated vehicles, the IDV is usually equally agreed value and is being mentioned in the plan
9. Oriental Insurance offers a variety of discounts to its clients on the premium towards the Car insurance plan

Scope of Advantages under Oriental Insurance Car Insurance plan

1. Any loss or damage caused to the vehicle because of the natural disasters such as an explosion, fire, self-ignition or lightning, flood, typhoon, earthquake, hurricane, tempest, inundation, cyclone, storm, hailstorm, rockslide frost, landslide, encompasses the plan
2. Any loss or damage due to manmade mishaps or any consequential incident such as theft, burglary, riot, malicious act strike, accident by external means, any damage in transit by road, rail, inland waterway, lift, elevator or air are suitably covered in the plan 
3. Additional extension coverages are also available upon payment of extra premium
4. Coverage of Loss or damage to electrical as well as non-electrical accessories
5. Coverage of the expenses for replacement of part due to an accident is paid as well subject to a deduction for depreciation. 50% of net expenses for all rubber nylon plastic parts, tyres and Battery are also compensated but nil expense shall be paid for all parts made of glass
6. Oriental insurance under its Car plan will accept the judicious cost of protection and removal to the nearest menders and will do a delivery to the insured subject to the amount, not beyond INR 300 for any one accident

Personal Accident Cover for Owner/Driver

Oriental Private Car insurance plan extends the coverage of maximum amount INR 2 lakh for the whole insurance term to the owner-driver of the vehicle in case of unfortunate death or bodily injury while travelling, mounting, dismounting the vehicle. Such event resulting in the below conditions within 6 months of the incident date, the amount or the % of compensation will be paid as below:

Nos	Type of Injury	% Reimbursement
1	Death	100%
2	Permanent total disablement from injuries other than above	100%
3	Loss of two Limbs or Sight of Two Eyes or loss of One Limb & sight of One Eye	100%
4	Loss of One Limb or Sight of One Eye	50%

Liability Only Plan 

This has been thought to meet the necessities as per compulsory clauses of Motor Vehicles Act. This plan covers the two most important parts of the motor vehicle’s act.

• Personal accident cover:
  A personal accident cover of INR 2 lakhs for individual owner-driver of the vehicle insured while mounting, travelling in, or dismounting from the vehicle. The cover comprises of death and any kind of permanent disability
• Third-party legal liability:
  Car Insurance Plan under its Liability Only Insurance Plan offers complete guard against legal liability arising due to any damage caused due to an accident, any permanent injury or death of a person and/or any damage caused to the property

 Calculation of Premium

Oriental insurance implements an all-inclusive procedure to arrive at the value of the premium. The amount of premium to be paid basis the below-mentioned aspects.

• IDV of the vehicle
• Registration Zone
• Vehicle’s Age
• The cubic capacity of the vehicle

Additionally, a customer may go for supplementary coverage as per their necessity by paying an extra premium:

• CNG/LPG FUEL
• Electronic items and Electrical items
• Add on cover
• Extra Benefit

Oriental Insurance Two Wheeler Insurance Policy

Two-wheelers are now an essential mode of transport which can be afforded by everyone and has become one of the necessities now. Hence, it is important to protect the same against unforeseen events to have a stress-free life and lessen the worry of the financial burden. Oriental Insurance Two-Wheeler Insurance provides similar types of coverage like Oriental motor or car insurance. The bike insurance plans are designed to secure a rider against any third-party liability and property damages together with own damages. Many effective add on covers for bikes are available under the plans obtainable by Oriental Two-Wheeler Insurance.

The policy covers:

• Loss due to accident or damage to the Vehicle 
• Liability to third parties together with Personal Accident cover to owner-driver 
• Add on Covers on extra premium

Loss or damage of two-wheeler caused by:

• Fire, Explosion, Lightening and Self-Ignition
• Accidental external resources
• Burglary, Theft or Housebreaking
• Earthquake, Storm, Flood, Inundation. Terrorism, Riots, Strikes, Malicious Acts, Landslide or Rockslide 
• Transportation by Rail, Road Inland waterways, air or lift

The features, scope of advantages, and the premium for a two-wheeler, personal accident cover are the same as Car Insurance as mentioned above.

Other types of insurance policies offered by Oriental Insurance:

1. Oriental Fire Insurance Policy
2. Oriental Overseas Mediclaim Policy
3. Oriental Shopkeeper Policy
4. Oriental Householder Policy
5. Oriental Happy Cash-Nischint Rahein

How to buy Oriental Insurance policies?

You can buy Oriental Insurance plans online or offline. The Oriental Insurance offline plans are sold directly by the company or through their registered insurance advisors. In order to buy an Oriental Insurance Policy, all you need to do is to purchase the same from any Oriental Insurance Branch or their agents. However, the same can also be purchased online from the official website of the company. 

Alternatively, you can buy motor insurance as well as health insurance plans of Oriental Insurance from Turtlemint as well. Turtlemint is an online platform where you can compare and choose the best health insurance or motor insurance plan from the options available.

You can purchase the same very simply as well through Turtlemint by following the following steps:

• Visit the official website of https://www.turtlemint.com/
• Then you opt for a car, bike or health insurance, as per your need
• In order to purchase a health insurance plan, all you need to do is
  • Enter in your details which would include the following
    • Gender
    • Age of the proposer
    • Age of the members whom you want to cover
    • Details of all pre-existing ailments
    • The annual income level of the family for being recommended an ideal sum insured
  • Once you enter the details, you will get a list of all the best health plans that best suit your needs
  • Then you can compare and then choose the one according to your needs and requirements
  • And then proceed to pay the premium online and buy the same by filling up an online application form for the purchase
• To buy a motor insurance plan, you need to
  • Enter the vehicle details like
    • Manufacturing Year
    • Make & model
    • Variant
    • Fuel Type
    • Expiry Date of the previous insurance plan
    • Previous policy type-whether comprehensive or third-party
    • Claims made in the previous year
    • Details of the NCB on the previous policy
    • Your contact details
  • Once you enter the details, you will get a list of all the best car/bike plans that best suit your needs
  • Then you can compare and then choose the one according to your needs and requirements
  • And then proceed to pay the premium online and buy the same by filling up an online application form for the purchase

The renewal process of Oriental Insurance Plans

Renewing Oriental Insurance plans is also an easy affair. You can renew the policy online through the company’s website using the following steps –

1. You can the official website of Oriental Insurance and then renew it online
2. You can pay the premium online and renew the policy online

Renewal of Oriental Insurance Health Insurance or Oriental Insurance Motor Insurance Policies can also be done online through Turtlemint, an online platform.

If you have bought the policy through Turtlemint you are an existing customer. You would have the login details with which you can log into your Turtlemint account. After you are logged in, choose the health or car or bike insurance plan which you would want to renew, click on ‘Renew’ and you would be able to check the policy details. If you want to renew without any changes, pay the renewal premium and the policy would be renewed.

Claim Process for Oriental Insurance Company

Oriental Insurance provides a fast and transparent claim settlement procedure. The company provides 24/7 customer assistance number 1800118485 Or 011- 33208485 for claim assistance. One can get immediate instant help for claim support from the official site of Oriental Insurance Company.

One has to follow a few steps while making a claim. Point to note here that requirements vary from car insurance to health insurance and hence all the required steps need to be followed carefully.

General Claim procedure of Oriental Insurance is discussed in brief:

1. One need to notify the insurer at the earliest or at least before or within the specified time period as per the policy
2. One can also call the insurer directly and register the claim immediately
3. One has to provide all the essential documents in reference and support of the claim to get financial support
4. The company will send their surveyor (if necessary, as per the policy type) to calculate the risk or loss incurred
5. Once the claim gets approved, he or she will get the claim settled with Oriental Insurance

The claims can also be settled through Turtlemint. Turtlemint is a company that provides customers with the facility of claim settlement through a squad of claim specialists. The company needs to be notified by calling their toll-free number 1800 266 0101 or via an email at claims@turtlemint.com. Post this, the claim department will connect and coordinate with Oriental Insurance to process the claims.

Documents required for Claims in Oriental Insurance

The Company offers various modes of payment which one can avail of. Listed below the same:

1. Documents required for Motor Insurance Claims
   • In case of Accidental Damages:
     1. Appropriately filled the claim form and signed by the insured
     2. Proof of insurance Policy or Cover note copy
     3. Copy of the Registration Book and Tax Receipt
     4. Copy of Motor Driving Licence of the person driving the vehicle at the time of the accident
     5. Police Panchanama as well as an FIR, in the case of any third-party death or property damage or injury with an estimate of the repairs for the purpose of the repair of. The vehicle
     6. Repair Bills and payment receipts post the repair job is completed
     7. Claims Discharge Cum Satisfaction Voucher signed across a Revenue Stamp
   • In case of Theft:
     1. Appropriately filled the claim form and signed by the insured
     2. Policy document in original
     3. Registration Book/Certificate and Tax Payment Receipt in original
     4.  Policy No, insuring Office/Company, a period of insurance of earlier insurance details, if any
     5. Police Panchanama/ FIR and Final Investigation Report
     6. All the sets of keys of the car
     7. Warranty Card
     8. Service Booklet
     9. Form 28, 29 and 30 signed by the insured
     10. Letter of Subrogation
     11. Acknowledged copy of a letter addressed to RTO notifying theft and making vehicle “NON-USE”
     12. Consent towards agreed claim settlement value from self and the Financer
     13. NOC of the Financer if the claim is to be settled in the favour of the policyholder
     14. Claim Discharge Voucher signed across with a Revenue Stamp Blank and undated “Vakalatnam
2. Documents required for Health Insurance Claims
   • In case of Accidental Damages:
     1. Hospitalization Claim form properly filled and signed by the insured
     2. Discharge summary document in original
     3. Hospital bill with detailed cost break-up in original
     4. All Lab and test reports
     5. Copy of Invoice/Stickers/barcode in case of implants
     6. Original paid receipts
     7. A first-time consultation letter from the certified doctor
     8. KYC form
   • In the case of Planned Hospitalization Death Claim:
     1. Preauthorization needs to be availed in case of planned hospitalization
     2. Claim form properly filled and signed by the insured
     3. Death summary in original
     4. Hospital bill with detailed cost break-up in original
     5. Original paid receipts
     6. Copy of Invoice/Stickers/barcode in case of implants
     7. A first-time consultation letter from the certified doctor
     8. All Lab and test reports
     9. KYC form
     10. Legal heir certificate covering affidavit and indemnity bond
     11. Entirely filled and signed NEFT form by Policy Holder/proposer
   • In the case of Personal Accident Claim:
     1. Original paid receipts
     2. Copy of Invoice/Stickers/barcode in case of implants
     3. All Lab and test reports
     4. A first-time consultation letter from the certified doctor
     5. KYC form
     6. Medical fitness certificate from the attending doctor mentioning the type of disability, disability period

Exclusions in Oriental Insurance

The Company will not compensate the insured for disablement/death of the Insured Person,

1. Intentional self-injury, suicide or suicide attempt
2.  Under the influence of intoxicating liquor or drugs 
3. Involved in any dangerous activity including, but not limited to aviation or ballooning, speed contests or racing of any kind(other than on foot), bungee jumping, parachuting, parasailing ski-diving, hang gliding, mountain, paragliding, or rock climbing necessitating the use of guides or ropes, potholing, abseiling, deep-sea diving using hard helmet and breathing apparatus, polo, snow and ice sports or involving a military, air force or naval operations, or whilst mounting into, descending from or travelling in any aircraft other than as a passenger (fare-paying or otherwise), in any duly licensed standard type of plane, anyplace in the world. 
4.  Directly or indirectly caused by venereal disease or insanity
5. Resulting from insured committing breach of law with criminal intent
6. War, invasion, hostilities (whether war be declared or not), the act of a foreign enemy, civil war, rebellion, revolution, mutiny, military or usurped power, insurrection, seizure, capture, arrest, restraints and detainments of people 
7. Directly or indirectly caused by or arising from ionizing radiations or contamination by radioactivity from any nuclear fuel, nuclear weapon material, or from any nuclear waste from the combustion of nuclear fuel
8. Directly or indirectly caused by, aggravated or prolonged by childbirth or from pregnancy
9. Pre-existing Disease whether the same is treated or untreated declared or not declared in the proposal form), which are excluded up to 48 months of the policy being in force. Pre-existing diseases will be covered only post the policy has been uninterruptedly in force for 48 months.

Exclusions under the Private Car Package Policy:

1. Damage caused due to driving without a valid driving license
2. Electrical or Mechanical breakdown
3. Driving under the influence of drugs, alcohol or liquor
4. Any consequential loss or depreciation
5. Any loss or damage caused due to mutiny or war or any nuclear activity
6. Any loss or damage caused outside India namely, Nepal, Bhutan, Bangladesh, Sri Lanka, Maldives and Pakistan
7. Loss or damage to tyres or the tubes of the Car, unless damage to the vehicle in the accident with liability maximum 50% of the value 
8. Two-Wheeler which is used for speed testing, or Racing, Hire or Reward, Reliability Trials

Payment Modes in Oriental Insurance

Oriental Insurance Online Payment Procedure

One can pay the premium online by means of any of the various payment options like Visa or Mastercard, RuPay Debit Cards, Credit and Debit Cards, payment through Internet Banking, UPI, & IMPS, E-Wallets / Cash Cards, etc.

Oriental Insurance Offline Payment Procedure

One can pay Oriental Insurance at any of their branch offices nearby. Oriental Insurance Company also offers an option of offline payment service for their clientele.

• Company branch – One can deposit a cheque or pay cash 
• Pay premiums through certified Agents and Brokers for Oriental Insurance

Reviews for Oriental Insurance

The reviews of the company are excellent across the industry as well as the clients. With its comprehensive products with inexpensive premiums and rapid service, Oriental Insurance has become everyone’s preferred insurer.

Oriental Insurance Company Address and Contact Information

The Company can be contacted in the following ways by contacting:

1. Helpline number 1800 118485 or 011- 33208485
2. For any portal issue, one can contact at portal.support@orientalinsurance.co.in
3. By writing at Oriental House, A-25/27, Asaf Ali Road, New Delhi – 110002
4. For any complaints, one can write to
   Ms Beena Dhawan, Chief Manager,
   Customer Service Department
   4th Floor, Agarwal House
   Asaf Ali Road,
   New Delhi-110002

For any complaints, one can email to beena.dhawan@orientalinsurance.co.in or csd@orientalinsurance.co.in

Recent News for Oriental Insurance Company 

Oriental Insurance is joining in the Pradhan Mantri Suraksha Bima Yojana (PMSBY) in partnership with various banks. Under this scheme, Savings Bank account holders of the bank can have Personal Accident insurance of INR 2,00,000 for an annual premium of INR 12 only

Oriental Insurance Company has been declared as “Best General Insurance Company-Public”