Oriental Health Insurance - A Superior Health Insurance Choice

About Oriental Health Insurance 

In the insurance field since 1947, Oriental Health Insurance is the preferred choice of many individuals and families. Helping people secure the health of their loved ones, Oriental Health Insurance is a leading name based out of New Delhi, with over 30 regional offices and 1,800 operating offices across the country. The health insurer promises to financially secure policyholders in the event of an unexpected illness or accident, resulting in hospitalisation. The health insurance plans that make Oriental Health Insurance worth the investment include Individual Mediclaim Policy, Happy Family Floater Policy, HOPE (Health of Privileged Elders), and Super Health Top-up. 

Key Features: 

• Extensive coverage 
• Dedicated TPA service
• Lifelong policy renewal 
• Easy claim settlement process
• More than 4,300 network hospitals
• Wide sum insured range - Rs. 1 Lakh to Rs. 20 Lakh
• Cashless facility available in all network hospitals
• 15 days of free look period for policy cancellation 
• Grace period of 30 days for payment of renewal premium
• Cover for pre-existing diseases after 4 continuous renewals

Oriental Health Insurance Plans 

i) Individual Mediclaim Policy

One of the most affordable plans offered by Oriental Insurance, Individual Mediclaim Policy is available on an individual sum insured basis. However, the proposer can get his or her family covered under the policy. In the event of hospitalisation & domiciliary hospitalisation due to an illness, accident, or any surgery related to disease, Individual Mediclaim Policy helps policyholders handle their unexpected medical expenses by offering vast cover. 

The basic coverage under the policy includes hospital admission for minimum 24 hours; 30 days pre-hospitalisation & 60 days post-hospitalisation expenses; day care procedures; ambulance charges; donor expenses; Ayurvedic, Unani, and Homeopathic treatment in govt. hospitals/colleges; 50% of the pre-insurance medical check-up cost reimbursable; and others.

Prime Features:

• Policy period - 1 year
• Entry age - 3 months to 65 years, maximum extendable up to 70 years
• Sum insured - Rs. 1 Lakh to Rs. 10 Lakh
• No medical examination for people up to the age of 55 years
• Daily Hospital Cash allowance - More than 2 days of continuous hospitalisation

To uncover more about features like Personal accident cover, Family discount, Voluntary co-payment option & associated discount, TPA-related discount and other information, visit INDIVIDUAL MEDICLAIM POLICY

ii) Happy Family Floater Policy

As the name suggests, Happy Family Floater Policy leaves no stone unturned in catering to the medical requirements of families across India. Renowned for covering a complete family (residing anywhere in India) under a single sum insured, Happy Family Floater Policy is definitely a gem in the product collection of Oriental Insurance. Note that any hospitalisation and/or domiciliary hospitalisation for the treatment of illness/disease or injury suffered is covered under the policy. 

The basic coverage under the policy comprises inpatient hospitalisation; 30 days pre-hospitalisation & 60 days post-hospitalisation expenses; donor expenses; ambulance charges; day care procedures; Ayurveda, Siddha, Unani & Homeopathy treatment; etc. 

Prime Features:

• Policy period - 1 year 
• Entry age - 91 days to 65 years, maximum extendable up to 70 years
• Variants available - Silver, Gold, Diamond
• Sum insured options - Rs. 1 Lakh to Rs. 20 Lakh
• Pre-acceptance medical check-up required for people aged 60 years and above - Silver & Gold variants. Under Diamond variant, check-up required for persons aged 55 years and above

To gain detailed information about other features such as Restoration of Sum Insured, Personal Accident Cover, Life Hardship Survival Benefit, and others check HAPPY FAMILY FLOATER POLICY

iii) HOPE (Health of Privileged Elders)

Talking about health insurance for senior citizens, Oriental Health Insurance has HOPE to offer. HOPE or Health of Privileged Elders is a policy for senior citizens that offers comprehensive coverage against specific diseases. The best support at the time of a medical emergency, HOPE policy covers the elderly not only for hospitalisation benefits, but also provides benefits like no claim discount in premium, premium discount for choosing voluntary co-payment, benefit of continuity in case already insured with any other Oriental Insurance policy, etc. 

When you choose HOPE, you get basic coverage including hospitalisation for more than 24 hours; room rent 1% of sum insured; ICU charges 2% of sum insured; 30 days pre-hospitalisation; 60 days post-hospitalisation; Ayurveda, Siddha, Unani & Homeopathy treatment; domiciliary hospitalisation; and others. 

Prime Features: 

• Policy period - 1 year
• Entry age - 60 years and above with no exit age
• Sum Insured options - Rs. 1 Lakh up to Rs. 5 Lakh
• Coverage for specific diseases/illnesses/injuries including Accidental Injury, Cancer, Cardio-Vascular Diseases, Knee Replacement, Chronic Renal Failure, and others
• Cashless service through TPA only and limited to Rs. 1 Lakh

Detailed information about HOPE or Health of Privileged Elders Policy such as Compulsory Co-payment, No Claim Discount in Premium, Discount for choosing Voluntary Co-Payment, etc., check HOPE 

iv) Super Health Top-up

Super Health Top-up by Oriental Insurance is one of the best ways you can increase your health cover without shelling out a significant amount. Easily available on both, individual and family floater basis, this affordable plan helps you when you need financial stability the most at the time of an unexpected medical emergency. An additional protection over the basic health insurance, Super Health Top-up is an ideal match if you want to protect the health of self, spouse, parents, parents-in-law, and children. 

On choosing Super Health Top-up plan, you gain coverage for 30 days pre-hospitalisation expenses, 60 days post-hospitalisation expenses, organ donor expenses, organ donor benefit, specific day care procedures, maternity expenses, newborn baby cover, and others.

Prime Features: 

• Policy period - 1 year
• Entry age - 91 days up to 70 years
• Sum insured - Rs. 3 Lakh up to Rs. 30 Lakh
• Deductible options - Rs. 3 Lakh up to Rs. 20 Lakh
• Maternity (up to 10% of SI) & New born baby cover (up to 5% of SI)

To explore policy features like Treatment in SAARC countries, Reimbursement of 50% of the cost of medical check-up, AYUSH treatment expenses, and others, take a quick look at SUPER HEALTH TOP UP

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Found Oriental Health Insurance to be the perfect health insurance investment?

If willing to discover more about the insurer or its plans, initiate contact with InsuranceDekho experts at 18001205698 right away!