Oriental Health Insurance Plans

If you want a financial help at the time of hospitalisation, it is better to take any of the Oriental Health Insurance Plans. Oriental Insurance Company is mainly started to provide medical insurance to the people. There are different types of Oriental Health Medical Insurance Plans each offer various features to its customers. Read the complete article and know which Oriental Insurance Health policy is best for you.

The medical costs are increasing day by day. An individual who hasn’t saved that much money will face a problem during hospitalisation. We all know that our health is our wealth. So, to protect our health, it is better to take a health insurance policy. Oriental Insurance health is offering many plans to protect your health. The Oriental Health Plan covers the surgical and medical expenses of an insured individual at the time of hospitalisation. In the case of illness or injury, the company directly pays to the hospital/care provider of the individual or reimburses the expenses incurred.

There are 11 types of Oriental Health Insurance Plans. It is difficult for an individual to choose a plan from all those Oriental Health Plans. So, below we have provided the brief details like the review, features, benefits, inclusions, exclusions, etc. of all these plans. Check the details and take an Oriental Health Medical Plan that satisfies your requirement.

Mediclaim Policy (Individual).
Group Mediclaim Policy.
Health of Privileged Elder (HOPE).
Happy Family Floater Policy 2015.
Overseas Mediclaim Policy (B&H).
Overseas Mediclaim Policy (E&S).
OBC-Oriental Bank Mediclaim Policy.
PNB-Oriental Royal Mediclaim Insurance Policy.
Pravasi Bhartiya Bima Yojana Policy.
Jan Arogya Bima Policy.
Oriental Happy Cash Policy.

Oriental Mediclaim Policy (Individual)

Features and Benefits of Oriental Mediclaim Policy

After four consecutive renewals, pre-existing diseases covered.
If more than one person is covered under the policy, there is a Family discount of 10%.
For persons upto the age of 55 years, medical tests are not required.
On an optional basis, Personal Accident is available for SI from Rs. 2 lakhs to Rs. 10 lakhs.
In the case of more than 2 days of continuous hospitalisation, Daily Hospital Cash allowance covered.
If you have not opted for TPA services, there is a discount of 5.5% in premium.

Inclusions of Oriental Mediclaim Individual Health Policy

Room, Nursing, and Boarding Expenses covered upto 1% of the Sum Assured per day.
ICU expenses covered upto 2% of Sum Assured per day.
It covers Surgeon, Medical Practitioner, Anesthetist, Consultants, Specialist Fees, Cost of Medicine and drugs, etc.
Ambulance service charges covered upto 1% of the sum insured or Rs. 2000/- whichever is less.
Pre-Hospitalisation expenses covered upto 30 days before admission into the hospital.
Post Hospitalisation expenses covered upto 60 days after discharge from the hospital.
Daily Hospital Cash Allowance covered upto 0.1% of the sum insured.

Exclusions of Oriental Mediclaim Health Insurance Policy

Medical expenses incurred on Intentional self-injury, suicide or attempted suicide not covered.
Pre-existing diseases are not covered until the 48 consecutive months of continuous coverage have elapsed.
Treatment arising from childbirth, pregnancy, miscarriage, etc. not covered.
Injuries caused by War, act of foreign enemy, invasion, hostilities, rebellion, civil war, revolution, mutiny, insurrection, military or usurped power, capture, seizure, etc. not covered.
Injuries caused directly or indirectly by venereal disease(s) or insanity not covered.
Medical expenses arising or resulting from an insured committing breach of law with criminal intent not covered.

Eligibility of Oriental Health Mediclaim Insurance Policy

Entry Age:	Minimum: 18 years. Maximum: 65 years.
Sum Insured:	Minimum: Rs. 1 Lakhs. Maximum: Rs. 10 Lakhs.
Renewal:	Lifelong Renewal.
Medical Tests:	Not required upto the age of 55 years.
Policy Term:	1 Year.

For more information regarding this Oriental Health Insurance, refer Oriental Health Mediclaim Insurance Plan Broucher.

Oriental Group Mediclaim Policy

Features and Benefits of Oriental Group Mediclaim Policy

This Oriental Group Mediclaim Policy is available to any Group/Institution/ Association/ Corporate Body of more than 50 persons/families.
Under one group policy, each insured should cover all eligible members.
It is not permissible to issue any un-named group insurance policies.
Cash Less Facility is available.
If you have not opted for TPA services, there is a discount of 5.5% in premium.

Inclusions of Oriental Health Group Mediclaim Policy

Room, Nursing, and Boarding Expenses covered upto 1% of the Sum Assured per day.
ICU expenses covered upto 2% of Sum Assured per day.
It covers Surgeon, Medical Practitioner, Anesthetist, Consultants, Specialist Fees, Cost of Medicine and drugs, etc.
Ambulance service charges covered upto 1% of the sum insured or Rs. 2000/- whichever is less.
Pre-Hospitalisation expenses covered upto 30 days before admission into the hospital.
Post Hospitalisation expenses covered upto 60 days after discharge from the hospital.
Coverage of Inpatient hospitalisation expenses for a minimum of 24 hours.

Exclusions of Oriental Group Mediclaim Health Policy

Pre-existing health condition or disease or ailment / injuries are excluded upto 4 years of this policy being in force continuously.
Expenses on Cataract, Surgery of hydrocele, Non-infective Arthritis, diseases of ENT, Surgery of benign prostatic hypertrophy, Piles, Sinusitis and related disorders, etc. not covered.
Medical expenses incurred on Intentional self-injury, suicide or attempted suicide not covered.
Treatment arising from childbirth, pregnancy, miscarriage, etc. not covered.
Injuries caused by War, act of foreign enemy, invasion, hostilities, rebellion, civil war, revolution, mutiny, insurrection, military or usurped power, capture, seizure, etc. not covered.
Injuries caused directly or indirectly by venereal disease(s) or insanity not covered.
Medical expenses arising or resulting from an insured committing breach of law with criminal intent not covered.
Medical expenses for correction of eyesight, contact lenses, the cost of spectacles, hearing aids, etc. not covered.

Eligibility of Oriental Group Mediclaim Health Insurance Policy

Family:	Self (Primary Insured), Legal Spouse, Dependent Children, Dependent parents /parents-in-law
Sum Insured:	Minimum: Rs 50,000/-. Maximum: Rs 2, 00,000/-.
Renewal:	Lifelong Renewal.
Medical Tests:	Not required upto the age of 45 years.
Policy Term:	1 Year.

For more information regarding this Oriental Health Insurance Plan, refer Oriental Group Mediclaim Policy Broucher.

Oriental Health of Privileged Elder (HOPE) Policy

Features and Benefits Oriental Health of Privileged Elder Policy

This Oriental HOPE Policy is designed for Citizens aged 60 years and above.
It covers specified diseases only.
If opted for Voluntary Co-payment, there is a discount in premium.
On the admissible claim amount, there is a compulsory co-payment of 20%.
It provides no claim benefit.
TPA service available.
Cashless Service is available through TPA only and limited to Rs. 1 lacs.

Inclusions of Oriental HOPE Policy

Room, Nursing, and Boarding Expenses covered upto 1% of the Sum Assured per day.
ICU expenses covered upto 2% of Sum Assured per day.
It covers Surgeon, Medical Practitioner, Anesthetist, Consultants, Specialist Fees, Cost of Medicine and drugs, etc.
Ambulance service charges covered upto Rs. 1000/- or actual expenses whichever is less.
Pre-Hospitalisation expenses covered upto 30 days before admission into the hospital.
Post Hospitalisation expenses covered upto 60 days after discharge from the hospital.

Exclusions of Oriental Health of Privileged Elder Insurance Policy

Any disease / illness / health condition /ailment or any condition that are not specified are excluded.
Pre-existing health condition or disease or ailment / injuries are excluded upto 2 years of this policy being in force continuously.
Expenses on Cataract, Non-infective Arthritis, Surgery of benign prostatic hypertrophy, Surgery of gallbladder and bile duct excluding malignancy, Joint Replacement due to Degenerative condition, etc. not covered.
Medical expenses incurred on Intentional self-injury, suicide or attempted suicide not covered.
Treatment arising from childbirth, pregnancy, miscarriage, etc. not covered.
Injuries caused by War, act of foreign enemy, invasion, hostilities, rebellion, civil war, revolution, mutiny, insurrection, military or usurped power, capture, seizure, etc. not covered.
Injuries caused directly or indirectly by venereal disease(s) or insanity not covered.
Medical expenses arising or resulting from an insured committing breach of law with criminal intent not covered.
Medical expenses for correction of eyesight, contact lenses, the cost of spectacles, hearing aids, etc. not covered.

Eligibility of Oriental Health HOPE Policy

Age Limit:	60 years and above.
Sum Insured:	1 lac, 2 lac, 3 lac, 4 lac and 5 lacs.
Renewal:	Lifelong Renewal.
Medical Reports:	Required.
Policy Term:	1 Year.

For more information regarding this Oriental Health Insurance Plan, refer Oriental Health of Privileged Elder (HOPE) Broucher.

Oriental Happy Family Floater Policy 2015

Happy Family Floater Policy 2015 can be taken by any person of age 18 years or more. It covers self and/or any one or more of the family members like Legally wedded spouse, Dependent Children, Parents / Parents-in-law, Unmarried siblings (if financially dependent). It introduced the Diamond Plan of Sum Insured Rs. 12 lacs to Rs. 20 lacs.

For more info regarding this policy, refer Oriental Happy Family Floater Policy 2015 Broucher.

Oriental Overseas Mediclaim Policy (B&H)

This Oriental Overseas Mediclaim Policy (Business & Holiday) is valid from the 1st Day of Insurance or from the date and time of departure from India, whichever is later. This policy will be valid only if the insured person journey commences within 14 days of the 1st day of policy.

For more information regarding this Oriental Health Insurance, refer Oriental Overseas Mediclaim Policy (B&H) Broucher.

Oriental Overseas Mediclaim Policy (E & S)

Oriental Overseas Mediclaim Policy (Employment & Study) is valid from the 1st Day of Insurance or from the date and time of departure from India, whichever is later. This Overseas Mediclaim Policy (E&S) insurance will not cover medical costs resulting from a motor vehicle accident.

For more information regarding this plan, refer Oriental Overseas Mediclaim Policy (E&S) Broucher.

OBC-Oriental Bank Mediclaim Policy

OBC- Oriental Bank Mediclaim Policy can be taken by any Account Holders / Employees of OBC (Oriental Bank of Commerce). The proposer can include the family like Spouse, 2 dependent children, female child until she is married, male child upto the age of 26 years, etc.

For more info regarding this Oriental Health Insurance, refer Oriental Bank Mediclaim Policy Broucher.

PNB-Oriental Royal Mediclaim Insurance Policy

PNB-Oriental Royal Mediclaim Insurance Policy can be taken by any Account Holders / Employees of PNB (Punjab National Bank). The proposer can include the family like Spouse, 2 dependent children, female child until she is married, male child upto the age of 26 years, etc.

For more info regarding this Oriental Health Policy, refer PNB-Oriental Royal Mediclaim Insurance Policy Broucher.

Pravasi Bhartiya Bima Yojana Policy

Pravasi Bhartiya Bima Yojana Policy can be taken by any Indian Citizen who applied for and obtained an immigration clearance. The minimum entry age for this policy is 18 years and maximum entry age is 60 years. This is for the people who stay abroad for the purpose of employment only, for the period of policy cover.

For more info regarding this Oriental Health Insurance, refer Oriental Pravasi Bhartiya Bima Yojana Policy Broucher.

Jan Arogya Bima Policy

Jan Arogya Bima Policy covers the reimbursement of Hospitalization / Domiciliary Hospitalization expenses for diseases/illness /injury sustained. It covers Room, Nursing, and Boarding Expenses, Surgeon, Medical Practitioner, Anesthetist, Consultants, Specialists Fees, etc.

For more info regarding this Oriental Health Plan, refer Oriental Jan Arogya Bima Policy Broucher.

Oriental Happy Cash Policy

Oriental Happy Cash Policy offers daily cash benefit. Any disease / illness / health condition /ailment or any condition that are not specified are excluded. Pre-existing health condition or disease or ailment / injuries are excluded upto 2 years of this policy being in force continuously.

For more info regarding this Oriental Insurance Health Policy, refer Oriental Happy Cash Policy Broucher.

Oriental Health Medical Insurance – Buying Process

From all the above mentioned Oriental Health Insurance plans, you can buy the required policy at the Oriental Insurance Branch Office or contact the agent of Oriental Insurance company. To buy an Oriental Mediclaim Plan, a proposal form/application form is required. Some policies have the facility to buy through online. The documents that may be necessary to buy Star Health Medical plans are,

Application form.
Address proof.
A medical examination may be required in some cases, based on the age of the person and sum assured.

How to claim Oriental Health Insurance Plan?

Oriental Health provides best Claim Services which ensures that all settlements are just and timely. To claim a Oriental Health Plan follow the process mentioned below.

Cashless Claim Process

If the covered person is aware of the hospitalisation in advance,

Please contact the toll-free number: 1800 11 8485.
Fax the Pre-Authorization form duly filled from the hospital at 1800 11 8485 or Non-Toll-free: 011 33208485.
Carry your ID card and policy schedule.

If the covered person meets with an accident or suffers from any other illness that requires immediate admission to the hospital,

After the patient is taken to the hospital and avails treatment, family need to contact the toll-free help line – 1800 11 8485.
Fax the Pre-Authorization form duly filled from the hospital at 1800 11 8485 or Non-Toll-free: 011 33208485 within 24 hours of admission.

Reimbursement Claim Process

If the insured pays the expenses himself with the hospital and gives prior intimation about the treatment to the company, then later, he can claim for a reimbursement of those expenses.
You need to fill the claim form and submit to the nearest Oriental Insurance office along with some documents.
Then the company will settle the claim in subject to policy terms and conditions.

Oriental Health Plan Premium Calculator

If you want to calculate the premium amount or any other, you can make use of the Oriental Insurance Premium Calculator. For calculation, the details that you may need to enter are,

Name of the Policyholder.
Email Id.
Mobile Number.
DOB.
Sum Assured.

How to renew Oriental Insurance Health Policy?

The policy term of Oriental Health Insurance Plans is 1 year. Each Oriental Health plan provides the lifelong renewal facility. After the completion of the policy term, if you want to continue the policy you can renew the Oriental Health Medical Insurance plan. You can renew through Online or Offline. If you want to renew through offline you have to visit the nearest Oriental Insurance Branch office. This is a time taking process so it is better to follow the online process. The online procedure to renew the Oriental Health Insurance is as follows.

Visit the Star Health website orientalinsurance.org.in.
On the top menu, you can find the ‘Renew’ option.
Click on that and enter the Policy Number and other required details, if any.
Click on proceed and make the Oriental Health Insurance Renewal.