Oriental general insurance company is one of the leading general insurance companies in India, this company offers health plans with comprehensive coverage, flexible sum insured options, and access to a wide network of cashless hospitals.
12,000+ Network Hospitals
Cashless treatment available across a large network of hospitals in India.
Lifetime Renewability
Most Oriental Health Insurance plans offer lifelong policy renewal options.
Cashless Hospitalisation
Eligible policyholders can avail cashless treatment at network hospitals.
Family Floater Plans
Coverage for multiple family members under a single policy through plans such as Happy Family Floater.
Senior Citizen Coverage
Dedicated plans such as Health of Privileged Elders (HOPE) for individuals aged 60 years and above.
Super Health Top-Up Plans
Additional health coverage beyond the deductible amount through the Super Health Top-Up Plan.
Critical Illness Coverage
Available under eligible Oriental Health Insurance policies.
Free Health Check-Ups
Available under select Oriental Health Insurance plans as per policy terms.
No Pre-Acceptance Medical Check-Up Up to 55 Years
Available under eligible plans such as Happy Family Floater.
Maternity and Newborn Cover
Available under select Oriental Health Insurance plans including Happy Family Floater.
Tax Benefits
Premiums paid towards Oriental Health Insurance policies qualify for tax deductions under Section 80D of the Income Tax Act.
Pan-India Presence
More than 1,049 offices across India for policy servicing and claim assistance.
Oriental Health Insurance Plans
Oriental Health Insurance offers plans for individuals, families, senior citizens, critical illness coverage, hospital cash benefits, and additional coverage through top-up policies.
| Plan Name |
Suitable For |
Key Highlight |
| Individual Mediclaim Policy |
Individuals seeking standalone health insurance coverage |
Covers hospitalisation expenses arising from illness or injury. Available for adults aged 18 to 65 years with sum insured options up to ₹10 lakh. |
| Happy Family Floater Policy |
Families looking for a single policy covering multiple members |
Available in Silver, Gold, Diamond, and Platinum variants. Covers maternity expenses, newborn baby expenses, mental illness, HIV/AIDS treatment, teleconsultation, and medical second opinions. |
| Health of Privileged Elders (HOPE) Policy |
Senior citizens aged 60 years and above |
A health insurance plan specifically for senior citizens with coverage tailored to age-related healthcare needs. |
| Super Health Top-Up Policy |
Existing health insurance policyholders seeking higher coverage |
Provides additional health coverage above a deductible amount, helping enhance overall protection at a lower premium. |
| PNB Oriental Royal Mediclaim Policy |
Punjab National Bank account holders and customers |
Co-branded mediclaim policy offering hospitalisation coverage and health insurance benefits. |
| Jan Arogya Policy |
Individuals seeking affordable health insurance coverage |
Entry-level health insurance policy providing basic hospitalisation benefits. |
| Happy Cash Policy |
Individuals seeking fixed-benefit hospital cash coverage |
Provides a fixed daily cash allowance during eligible hospitalisation periods. |
| OBC Oriental Royal Mediclaim Policy |
Customers associated with Oriental Bank of Commerce schemes |
Co-branded mediclaim policy providing health insurance coverage and hospitalisation benefits. |
| PNB Mediclaim Policy |
Punjab National Bank customers seeking health insurance coverage |
Hospitalisation cover offered through a bank-insurer partnership. |
| Critical Illness Plans |
Individuals seeking lump-sum financial protection against serious illnesses |
Covers specified critical illnesses such as cancer, stroke, and other listed medical conditions. |
Coverage Offered Under Oriental Health Insurance
Coverage under Oriental Health Insurance varies by policy. However, most Oriental Insurance Mediclaim and health insurance plans generally include the following benefits:
Inclusions of Oriental Health Insurance Policy
In-patient hospitalisation expenses
Room rent, ICU charges, nursing expenses, and doctor's fees
Pre-hospitalisation medical expenses
Post-hospitalisation medical expenses
Day care procedures
Ambulance charges
Domiciliary treatment under eligible plans
Organ donor expenses under eligible plans
Critical illness benefits under eligible policies
Mental illness treatment under eligible plans
HIV/AIDS treatment under eligible plans
Maternity and newborn baby cover under Happy Family Floater Policy
Medical second opinion services
Teleconsultation benefits
Health check-up benefits under eligible plans
Exclusions of Oriental Health Insurance Policy
Self-inflicted injuries and attempted suicide
Cosmetic and aesthetic treatments unless medically necessary
Treatment arising from alcohol or substance abuse
Experimental or unproven treatments
War, invasion, civil unrest, and nuclear risks
Expenses arising from unlawful or criminal acts
Non-medical consumables unless specifically covered
Conditions falling within the applicable waiting period
Fertility treatments and assisted reproduction procedures unless covered under the selected policy
Routine dental treatment not arising from an accident
Spectacles, hearing aids, contact lenses, and similar external aids
Any condition or treatment specifically excluded under the policy wording
Oriental Health Insurance Waiting Period
The waiting period under Oriental Health Insurance varies depending on the selected policy and the type of claim. Common waiting periods applicable across Oriental Insurance Mediclaim and health insurance plans include:
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Initial Waiting Period
A waiting period of 30 days from the policy commencement date applies for most illnesses, except claims arising from accidents.
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Pre-Existing Disease Waiting Period
Pre-existing diseases are generally covered after the completion of a 48-month (4-year) continuous waiting period, subject to policy terms.
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Specified Disease Waiting Period
Certain listed illnesses and medical conditions may have a waiting period of 24 months before coverage becomes available.
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Maternity Waiting Period
Maternity and newborn-related benefits available under eligible plans may be subject to a separate waiting period as specified in the policy wording.
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Critical Illness Survival Period
Where critical illness benefits are offered, a survival period may apply for claim eligibility depending on the selected policy.
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Top-Up Plan Waiting Periods
Waiting periods under Super Health Top-Up plans generally follow the terms and conditions of the respective policy.
How to Buy or Renew Oriental Health Insurance
Buying or renewing an Oriental Health Insurance policy through Coverfox is a quick online process that allows you to compare plans, customise coverage, and complete your purchase or renewal in just a few steps.
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Enter Your Details
Share basic details such as your age, city, mobile number, and the family members you want to insure. Existing policyholders renewing their policy can also enter their current policy details.
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Compare Oriental Health Insurance Plans
Review available Oriental Health Insurance plans, coverage options, benefits, sum insured options, and premium amounts to find a policy that suits your healthcare requirements.
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Choose the Right Coverage
Select the sum insured, policy variant, and optional add-ons based on your medical needs and budget. Existing customers can review their current coverage before renewing.
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Complete the Proposal or Renewal Details
Provide the necessary personal, nominee, medical history, and policy information required for policy issuance or renewal.
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Make the Premium Payment
Verify your policy details and pay the premium securely through Coverfox's online payment platform.
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Receive Your Policy Instantly
Once the payment is successfully completed and the proposal or renewal is processed, the policy document is issued and shared digitally.
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Need Help Choosing or Renewing a Plan?
If you're unsure which Oriental Health Insurance policy best suits your needs or need assistance with renewal, simply share your details on Coverfox. Our insurance experts will contact you, explain the available plans and coverage options, answer your queries, and help you buy or renew the right policy for yourself and your family.
Oriental Health Insurance Network Hospitals
Oriental Health Insurance offers access to 12,000+ network hospitals across India where policyholders can avail cashless treatment for eligible medical expenses. The cashless facility reduces the need for upfront payments, as approved hospitalisation expenses are settled directly between the hospital and Oriental Insurance.
How to Find Oriental Health Insurance Network Hospitals?
Visit Coverfox and navigate to the Health Insurance section.
Click on Network Hospitals.
Select Oriental Health Insurance from the list of insurers.
Enter your State and City details.
View the Oriental Health Insurance cashless hospital list available in your location.
Choose a network hospital to avail cashless treatment under your policy.
Oriental Health Insurance Customer Care
Policyholders can contact Oriental Health Insurance through the following channels for policy servicing, claim assistance, renewals, grievance registration, and health insurance support.
Toll-Free Customer Care Number: 1800 118 485
Customer Support Number: 011-33208485
Email ID: csd@orientalinsurance.co.in
Refund Support Email: refunds@orientalinsurance.co.in
Grievance Redressal Email: gro@orientalinsurance.co.in
Health Claim Status: Available through Oriental Insurance's online Health Claim Status portal.
Online Grievance Registration: Facility available for complaint registration and status tracking.
Claim Intimation: Online Claim Intimation Form available through the insurer's website.
Mobile App: OICL App for policy servicing and customer support.
Support Ticket System: Portal support ticket facility for technical issues.
Office Locator: Locate Oriental Insurance branch offices across India.
Registered Office: Oriental House, A-25/27 Asaf Ali Road, New Delhi – 110002.
Corporate Office: Block-4, Plate-A, NBCC Office Complex, Kidwai Nagar East, New Delhi – 110023.
Why Choose Oriental Health Insurance?
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Public Sector Insurer
Backed by The Oriental Insurance Company Limited, serving customers since 1947.
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12,000+ Network Hospitals
Access to cashless treatment across a large hospital network in India.
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91.64% Claim Settlement Ratio
Reported claim settlement ratio for FY 2024-25.
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Plans for Different Healthcare Needs
Offers Individual Mediclaim, Happy Family Floater, HOPE, Jan Arogya, Happy Cash, and Super Health Top-Up plans.
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Coverage for Families and Senior Citizens
Dedicated plans available for families as well as individuals aged 60 years and above.
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Strong Service Network
More than 1,049 offices across India, supported by online renewal, claim, and policy servicing facilities.
Disclaimer: The information provided on this page is for general informational purposes only and is based on publicly available information, insurer disclosures, policy brochures, and product documents available at the time of publication. Benefits, premiums, coverage, exclusions, waiting periods, and terms may vary depending on the selected Oriental Health Insurance policy. Please refer to the official policy wording and prospectus for complete details before purchasing, renewing, or filing a claim under any Oriental Health Insurance plan.
