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Oriental General Insurance

Established in 1947 in Bombay as a wholly owned subsidiary of Oriental Government Security Life Assurance Company Ltd., Oriental Insurance Company Ltd. is one of India’s oldest insurance companies. In the present day, it has its head office in Delhi along with 30 regional offices and 1800+ operating offices across the country.
The Oriental Insurance Company offers a number of health insurance plans that can cover every walk of life, for an individual as well as their family. Health insurance plans by Oriental can be customized as per an individual’s needs, and the option to buy and renew Oriental health insurance online is also available.

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Plans Offered by the Oriental Insurance Company

With an Oriental health insurance policy in place, you are spared a lot of financial burden that occurs in times of medical exigencies. These health insurance plans provide a number of benefits like cashless treatment at over 1500 network hospitals, pre and post hospitalization charges, coverage of day care treatments, etc. To make an informed choice, it is very important to compare Oriental health insurance plans before you choose one. While Oriental health insurance has quite a number of plans to offer, the most popular of these are:

    Plan Name : Oriental Individual Mediclaim Policy

      About the Plan:

      This plan is mainly meant for individuals, and take cares of all the health related expenses that are accrued during the policy tenure. Subject to an upper age limit, the policy can also be indefinitely renewed online. The policyholder is covered for the medical expenses incurred during hospitalization in the following cases:

      • Sudden illness
      • Accidental injuries
      • Surgery for diseases that arose during the policy tenure

          Benefits

          • The policy provides cashless treatment facility at network hospitals, where the incurred bill is paid directly by the company to the hospital.
          • Covers medical expenses during 30 days pre hospitalization and for 60 days post hospitalization.
          • Provides a variety of coverage options ranging from ₹ 50,000 to ₹ 5 lakh.
          • It also covers expenses for boarding, room, and nursing expenses up to ₹ 5,000 or up to 1% of the sum insured (whichever is lower).

              Plan Name : Health of Privileged Elders (HOPE)

                About the Plan

                This is an insurance plan that has been designed for senior citizens who are above the age of 60 years. This policy offers a basic health insurance plan, along with a number of other benefits that are generally not covered under most policies; like ambulance charges, cost of prosthetic devices, charges for prescription drugs, etc. This insurance plan covers specific diseases, including:

                • Cancer
                • Stroke
                • Cardiovascular diseases
                • Orthopedic diseases

                    Benefits

                    • Can be availed by people over 60 years for specific diseases, without the need of a medical checkup
                    • The insured person can avail up to ₹ 1 lakh for cashless treatment at the network hospitals
                    • One can also avail tax benefits under section 80C of the Income Tax Act
                    • This policy also provides the benefits of availing domiciliary hospitalization

                        Plan Name : Happy Family Floater policy

                          About the Plan

                          This family floater plan is available in two versions – Gold and Silver – and provides coverage to an individual and their immediate family under a single policy. The total money that is offered as a Sum Insured under this policy is a single Sum Insured for the entire family.

                          • This policy covers ICU expenses of up to 2% of the total Sum Insured per day
                          • No pre-policy medical checkup required for those who are up to 60 years of age
                          • Pre-existing diseases are covered after the 4th consecutive year of policy renewal

                              Benefits

                              • Provides cashless hospitalization facility in 1500+ network hospitals.
                              • Provides coverage for room rent, nursing, and boarding expenses of an amount up to 1% of Sum Insured/day.
                              • The Gold plan also offers daily cash allowance and attendant allowance.

                                Reasons to go for Oriental Health Insurance

                                Claim Process at Oriental General Insurance

                                Oriental Health Insurance has a very well-defined claim settlement system. The claims are basically of two types:

                                Review of Oriental General Insurance

                                The Oriental Insurance Company is one of the oldest health insurance companies in the country and has a wide and dependable network of offices today. The company has evolved with the changing needs of insurance buyers, to cater to their present day needs. The company also has excellent standing and awareness among the people of India, as it has a very credible ratio for claim settlements with very few claim rejections.

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