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Oriental Health Insurance for Parents

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Oriental Health Insurance
Highlights
Claim SettlementDedicated Team
Claim Settlement Ratio93.96%
COVID-19 CoverYes
Network Hospitals4,300+
Policies Sold12,50,812
RenewabilityLifelong

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Disclaimer : Actual Premium might vary basis your location, age and number of members

Oriental Insurance : Health Insurance for Parents

Oriental Insurance brings forth health insurance for parents in the form of HOPE policy or Health of Privileged Elders. Specifically designed for individuals aged 60 years and above, the policy covers specific diseases such as Accidental Injury, Knee Replacement, Cancer, Cardiovascular Diseases, Chronic Renal Failure and various others. An excellent choice for parents, HOPE or Health of Privileged Elders policy provides coverage for Ayurvedic, Unani and Homeopathic treatment in govt. hospitals/colleges as well. All in all, it is a great health insurance investment for parents.

Key Features

  • Sum insured options - Rs. 1 Lakh to Rs. 5 Lakh
  • Coverage available for specific diseases only
  • Perfect for people aged 60 years and above
  • TPA service available
  • Cashless service available through TPA only (limited to Rs. 1 Lakh)
  • Compulsory co-payment of 20% on admissible claim amount
  • Discount in premium for opting for voluntary co-payment
  • Benefit of continuity extended, if already insured with mediclaim policy

Scope of Coverage

  • 30 days pre & 60 days post hospitalisation expenses
  • Hospitalisation for a minimum period of 24 hours
  • Room, boarding, and nursing expenses
  • ICU unit expenses & ambulance service charges
  • Fees of anaesthetist, surgeon, and others covered
  • Cost of anaesthesia, oxygen, operation theatre charges, blood, surgical appliances, and other expenses like such
  • Domiciliary hospitalisation expenses covered up to Rs. 20,000
  • Accidental Injury, Stroke, Cardiovascular Diseases, Chronic Renal Failure, Cancer, Chronic Obstructive Lung Diseases, and five other diseases/illnesses/injuries covered

Eligibility

HOPE or Health of Privileged Elders comes with a minimum entry age of 60 years. As far as the maximum entry age is concerned, there is none.

Exclusions

  • External congenital/genetic conditions
  • Domiciliary treatment, treatment outside India
  • Refractive error correction, hearing impairment correction & cosmetic dental surgeries
  • Organ donor expenses
  • War or war like operations

Does HOPE/Health of Privileged Elders policy seem the perfect match for health insurance for your parents requirement? Call at 1800 1205 698 to uncover more about the policy from InsuranceDekho experts.

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Health Insurance Coverage Calculator

Who do you want to insured ?

  • Individual
  • Couple
  • Family
  • Parents

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Where do you live ?

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Disclaimer : Actual Coverage might vary basis your location, age and number of members

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Oriental Health Insurance Contact Details

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Claim Process at Oriental Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation as soon as it occurs and for planned hospitalisation intimate as soon as it occurs prior to admission.
  • 3

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 4

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation as soon as it occurs and for planned hospitalisation intimate as soon as it occurs prior to admission.
  • 3

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 4

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.

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FAQ About Oriental Health Insurance

  • What is the maximum entry age for parents under Oriental Insurance plans?

    Under the Happy Family Floater Plan, the maximum entry age is of 65 years for all members. However, with a compulsory co-payment of 20% for each and every claim, persons above the age of 65 and up to 70 years of age can also be covered under the Silver or Gold Plan, but not under Diamond Plan of Oriental Insurance’s family floater policy.

  • If I enrol my parents under the family floater plan of Oriental Insurance, will they get cover for domiciliary hospitalisation?

    Yes, Oriental Insurance provides the domiciliary hospitalisation option for your parents under its family floater policy.

  • Will buying the health insurance plan from Oriental Insurance for parents make me earn the tax benefit?

    Yes, when you purchase the health insurance policy for your parents from Oriental Insurance, you become eligible for tax benefits under Section 80D of the Income Tax Act.

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