Oriental Health Insurance

Get complete details about Oriental health insurance online on Coverfox. Investing in a health insurance plan is almost like adding a couple of years to your life. Why? Because your health insurance plan covers all your medical expenses and you can live a stress-free life! One reliable name in this space is Oriental Insurance.

One of the oldest and trusted insurance companies in India.

The company offers health insurance plans that let you cover up to 7 family members, have a lifelong renewal benefit and also cover pre-existing diseases post a waiting period of 4 years. With Oriental Insurance, you wouldn’t have to worry about a thing during any unforeseen circumstances.

Features of Oriental Health Insurance

Renewability Lifelong Renewal
Oriental Network Hospitals 4300+
Hospitalization Cover Pre & Post hospitalization cover
Co-payment 10%
Incurred Claim Ratio 108.80%
No. of members Oriental Health Insurance plan covers maximum 7 members of your family with up to 3 children and 4 adults.
Health Check-ups Offers health check-up for insured after every 4 continues claim-free year.
Pre-existing diseases Pre-existing diseases are covered after 4 years of waiting period

Benefits of Oriental Health Insurance

  • One of the oldest health insurance companies in India, Oriental Insurance has an evolved model to cater to the newer needs and audience.
  • Holds an excellent standing amongst its customers for settling claims and have a very low claim rejection record.
  • Oriental Health Insurance provides you deductions on your premium by offering various capping limits. Oriental health insurance fairs okay in terms of the pricing of their products.

Know More About Oriental Health Insurance

Products Category Oriental Insurance

Reasons to buy Oriental Health Insurance Plans

One of the primary reasons to buy Oriental Health Insurance Plans is their excellent claim settlement ratio and superior customer support. They are one of the oldest and most trusted insurance providers in India.

Claims Process at Oriental Health Insurance

There are two ways to make a claim under a Health Insurance Policy: on cashless basis and on reimbursement basis. In simple terms, for making a claim on cashless basis, the treatment must be done only at a network hospital of the insurance company servicing your policy. For availing the treatment, you would have to first seek an authorization as per the procedures laid down and in the prescribed form. In case of claims on reimbursement basis, the insurance company has to be informed as per their prescribed procedures. The policyholder has to ensure that documents such as claim form, discharge summary, prescriptions and bills to be submitted for the claim on reimbursement are obtained after hospitalization.

Oriental Health Insurance has a well-defined claim processing system.

Cashless Service: Seeking Pre-Authorization

  • Complete the pre-authorization form available at the hospital's insurance/TPA Desk.
  • Send the completed form via email or fax.
  • Approved letter will be sent by the claim management team. Remember that the claim management team could send an inquiry to the hospital or you before authorization.
  • In case the authorization is rejected, initiate the treatment and file for reimbursement claim.

Reimbursement Claim: Claim Submission

  • Complete the necessary form and submit along with required documents, as per the policy terms and conditions.
  • Necessary documents include discharge summary, prescriptions, bills etc.
  • Approved letter will be sent by the claim management team. Remember that you will be answerable to any queries raised by the claim management team before the letter is issued.
  • In case the claim is rejected, the team will communicate the reasons.

In case of any emergencies, you need to inform Oriental Insurance within 24 hours of the admission. In case of planned emergencies, the notification has to reach the company 48 hours prior to the hospitalization. The claim intimation can be done via Oriental Insurance's toll free number 1800-118-485. The same could also be emailed to csd@orientalinsurance.co.in.

  • Note: If you are a Coverfox customer, you can directly reach out to us for all your claim-related issues and queries.

Oriental Health Insurance Network Hospitals

You can easily locate the preferred network hospital from the official website of Oriental Health Insurance. You need to enter the State, followed by the city of residence, and the entire list of hospitals will be displayed along with their address.

Oriental Insurance Mediclaim Renewal

In order to renew your Oriental Insurance Mediclaim Policy, simply visit the official website of the insurer and log in with your registered user ID and Password. Once logged in, select the online renewal option and make the payment via net banking/credit/debit.

Documents required to buy Oriental Health Insurance

  • KYC - Proof of Identity and Proof of Address
  • Proof of Age - Birth Certificate of each family member
  • Medical checkup/report in certain cases
  • Proof of Income for some policies

Oriental Health Insurance Customer Care Toll Free No

  • For all query/guidance, you can use the Toll free number: 1800118485 Or 011- 33208485 (Normal Charges Apply).
  • For any Issues related to the portal: Please contact - portal.support@orientalinsurance.co.in

Review of Oriental Health Insurance

• Thumbs-Up

  • Competitive pricing
  • Exceptional claim settlement record and ratio

• Could be better

  • Absence of No Claim Bonus for claim-free years
  • 4 years of waiting period for pre-existing conditions
  • Network of affiliated hospitals for cashless settlement could be stronger
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