Paul Sanchez
Oriental Health Insurance is a government-owned entity in India that ranks among the top health insurance providers in the country. Established in 1947, the company has built a reputation for reliability, extensive coverage options, and a customer-centric approach. Oriental offers a range of health insurance policies suited for individuals, families, and senior citizens, including basic plans like Individual Mediclaim and specialized options such as Happy Family Floater and Senior Citizen Mediclaim. The company has a wide network of over 4,300 hospitals offering cashless treatment options and a claim settlement rate of over 90%. Oriental's policies provide comprehensive coverage for hospitalization, pre and post-hospitalization expenses, maternity and newborn costs, critical illnesses, and more. With a focus on affordability, Oriental Health Insurance offers competitive premiums and discounts for families and senior citizens. Overall, the company is known for its reliable services, flexibility, and strong consumer trust, making it a popular choice in the Indian market.
| Characteristics | Values |
|---|---|
| Number of health insurance policies | 3 |
| Types of policies | Individual, Family, Senior Citizens |
| Sum insured | Rs 1 lakh to Rs 50 lakh |
| Maternity and newborn costs coverage | Yes |
| Coverage for mental illness | Yes |
| Coverage for HIV/AIDS | Yes |
| No pre-acceptance medical check-up required | Yes, for up to 55 years |
| Free health check-up facility | Yes, after every 3-4 claim-free years |
| Personal accident cover | Yes, as an add-on |
| Pre-existing diseases covered | Yes, after a waiting period of 2-4 years |
| Number of network hospitals | 4,300+ |
| Claim settlement rate | 85-96% |
| Customer service | Good |
| Renewal | Online |
Explore related products
What You'll Learn
- Oriental Health Insurance offers good customer service and stress-free claims
- The company provides a wide range of insurance policies for individuals, families and senior citizens
- Oriental Insurance is competitively priced and offers discounts for families and senior citizens
- The company is ranked among the top health insurance providers in India
- Oriental Insurance offers comprehensive plans, including the Happy Family Floater and Arogya Sanjeevani
Oriental Health Insurance offers good customer service and stress-free claims
Oriental Health Insurance is a government-owned entity that provides insurance for health, vehicles, businesses, and farmers. It has a range of health policies, including individual, family, and senior citizen plans. The company has built a reputation for reliability, extensive coverage options, and a customer-centric approach.
Oriental Health Insurance offers good customer service, with reviews describing the staff as "exceptional and kind" and praising their helpfulness in navigating the complex world of insurance. The company's website is user-friendly, making it easy to purchase a health insurance plan and renew policies.
Oriental Health Insurance also provides stress-free claims. The company has a reliable claim settlement process, with an incurred claim ratio of around 85%, reflecting a good balance between claims paid and premiums collected. The claim settlement rate is over 90%, indicating timely and reliable claim processing. The company also offers a wide range of hospitals where policyholders can avail themselves of cashless treatment, minimizing the financial burden during medical emergencies.
To claim Oriental Health Insurance, policyholders need to notify the insurer within the specified time, complete a claim form, and submit necessary documents like medical bills and discharge summaries. Cashless claims are available at network hospitals, where the insurance company directly pays the bills to the hospital. For non-network hospitals, policyholders need to pay the bills and apply for a reimbursement claim. The entire process is straightforward and transparent, ensuring a stress-free experience for customers.
Lucrative Commissions: Medical Insurance Agents' Earnings Explored
You may want to see also
Explore related products
$14.97 $22.79
The company provides a wide range of insurance policies for individuals, families and senior citizens
Oriental Insurance is a government-owned entity that provides insurance for health, vehicles, businesses, and farmers. It has a range of health policies for individuals, families, and senior citizens. The company has built a reputation for reliability, extensive coverage options, and a customer-centric approach.
Oriental Health Insurance offers basic plans like Individual Mediclaim, as well as specialized plans such as Happy Family Floater and Oriental Senior Citizen Mediclaim. The Happy Family Floater plan covers the medical expenses of the whole family, with a sum insured ranging from Rs 1 lakh to Rs 50 lakh. It covers inpatient, pre-hospitalization, and post-hospitalization expenses, as well as maternity expenses, newborn baby expenses, and assisted reproduction techniques. The plan also covers mental illness and HIV/AIDS treatment, medical second opinions, and teleconsultations. The Platinum plan offers additional coverage for accidental death and disability, critical illness, and OPD benefits.
The Oriental Mediclaim Insurance plan covers individuals for medical expenses incurred for the treatment of injuries or illnesses. The Super Health Top-Up plan provides additional coverage to the insured, with a sum insured ranging from Rs 3 lakh to Rs 30 lakh. This plan covers both inpatient hospitalization and day care procedures.
Oriental also offers the Health of Privileged Elders (HOPE) plan, tailored for senior citizens aged 60 and above. This plan covers in-patient, pre-hospitalization, and post-hospitalization expenses, as well as AYUSH treatment and specified diseases such as knee replacement, cancer, and stroke. The plan also covers ambulance and telemedicine expenses, and offers a free health check-up benefit after every four claim-free years.
Oriental Insurance is known for its affordability, with competitive premiums, especially for basic and family plans. The company offers discounts on premiums for policies with longer tenures or for families covering multiple members. Oriental has a robust network of over 4,300 network hospitals across India, where policyholders can avail themselves of cashless treatment options.
Preparing for Medical Tests: Securing Your Insurance Future
You may want to see also
Explore related products
![[8 Pack 4" x 5 Yards] Beige-Self Adhesive Cohesive Bandage Wrap, Self Adherant Non-Woven Wrap Rolls, Atheletic Tape for Wrist, Ankle, Hand, Leg, Premium-Grade Medical Stretch Wrap](https://m.media-amazon.com/images/I/81wGnSXRl8L._AC_UL320_.jpg)
Oriental Insurance is competitively priced and offers discounts for families and senior citizens
Oriental Insurance is a government-owned entity in India, ranking among the top health insurance providers in the country. It offers a wide range of health insurance policies suited for individuals, families, and senior citizens. Its health insurance products are popular for offering comprehensive plans such as the Happy Family Floater and Arogya Sanjeevani, covering individual, family, and critical illness needs.
The Happy Family Floater plan has been designed to cover the medical expenses of the whole family. The plan comes with a sum insured amount ranging from Rs 1 lakh to Rs 50 lakh and is available in four types – Silver, Gold, Diamond, and Platinum. Coverage for in-patient, pre-hospitalization, and post-hospitalization are available. Costs of maternity expenses, newborn baby expenses, and assisted reproduction techniques are covered. Coverage for mental illness and HIV/AIDS is also available.
The Oriental Health of Privileged Elders (HOPE) plan has been tailor-made to suit the health needs of senior citizens aged 60 years and above. The sum insured options under this plan range from Rs 1 lakh to Rs 5 lakh. Coverage for in-patient, pre-hospitalization, and post-hospitalization expenses are available. Costs of in-patient AYUSH treatment and domiciliary hospitalization are covered. Coverage for specified diseases, such as knee replacement, cancer, and stroke, is also included.
In addition to its competitive pricing and discounts, Oriental Insurance also provides excellent customer service and a wide network of over 4,300 hospitals that offer cashless treatment options. The company holds an excellent standing among its customers for settling claims and has a very low claim rejection record. Oriental's claim settlement rate is over 90%, reflecting its commitment to timely and reliable claim processing for policyholders.
Medical Record Checks: Insurance Company's Historical Reach in the UK
You may want to see also
Explore related products
The company is ranked among the top health insurance providers in India
Oriental Insurance is ranked among the top health insurance providers in India. It is one of the oldest insurance companies in the country, having begun its operations in September 1947. The company has a strong reputation for settling claims and boasts a very low claim rejection record. Oriental Insurance offers a range of health insurance plans that cater to the diverse needs of individuals and families.
One of the key strengths of Oriental Insurance is its comprehensive coverage. The company's health insurance plans cover medical expenses for injuries and illnesses, and specific diseases such as dengue, cancer, critical illness, and COVID-19. Oriental Insurance also provides coverage for pre-existing diseases after a waiting period of four years, which is a significant advantage for individuals with ongoing health conditions.
Oriental Health Insurance plans offer both individual and family floater options. The Happy Family Floater policy, for instance, covers the medical expenses of the entire family, with a sum insured ranging from Rs 1 lakh to Rs 50 lakh. This plan includes coverage for inpatient, pre-hospitalization, and post-hospitalization expenses, as well as maternity costs, newborn baby expenses, and assisted reproduction techniques. Oriental Insurance also offers the Super Health Top-Up plan, which provides additional coverage beyond the base policy, with a sum insured of up to Rs 30 lakh.
Another notable feature of Oriental Insurance is its focus on senior citizens. The Health of Privileged Elders (HOPE) plan is specifically designed for individuals aged 60 and above, with coverage for inpatient, pre-hospitalization, and post-hospitalization expenses. This plan also covers specified diseases commonly associated with older adults, such as knee replacement, cancer, and stroke.
Oriental Insurance excels in providing a seamless claims process. The company has a decent network of cashless hospitals, which can be easily located through its official website. Oriental Insurance also offers quick settlement of cashless claims, where the insured individual simply needs to present their health card at one of the network hospitals. Additionally, the company provides clear guidelines for reimbursement claims, ensuring efficient processing.
Overall, Oriental Insurance stands out as a top health insurance provider in India due to its extensive coverage options, family-oriented plans, senior citizen-focused offerings, and efficient claims settlement process. The company's long-standing presence in the Indian market and its commitment to evolving with the changing needs of its customers further solidify its reputation as a reliable and trusted choice for health insurance.
Medicaid Enrollment: Impact on Insurance Coverage and Cancellation
You may want to see also
Explore related products
Oriental Insurance offers comprehensive plans, including the Happy Family Floater and Arogya Sanjeevani
Oriental Insurance is one of the leading government-owned general insurance providers in India, with a strong focus on retail and group insurance products. The company offers a range of comprehensive health insurance plans, including the Happy Family Floater and Arogya Sanjeevani policies, which cater to the diverse needs of individuals and families.
The Oriental Happy Family Floater policy is designed to cover the medical expenses of the entire family. It offers a sum insured ranging from Rs 1 lakh to Rs 50 lakh, with four plan types: Silver, Gold, Diamond, and Platinum. This policy covers inpatient, pre-hospitalization, and post-hospitalization expenses. It also includes maternity and newborn baby expenses, mental illness coverage, and even coverage for critical illnesses and accidental death under the Platinum plan.
The Oriental Arogya Sanjeevani policy is another popular choice, offering health insurance to individuals up to 65 years of age. This policy has a wider sum insured range, going up to Rs 20 lakh. It covers inpatient hospitalization, modern treatments, and Ayush treatments for the insured and their family members. The Arogya Sanjeevani policy also provides a unique feature where a 5% bonus is added to the sum insured for each claim-free year, accumulating up to a maximum bonus of 50%.
In addition to these comprehensive plans, Oriental Insurance also offers specialized plans such as the Health of Privileged Elders (HOPE) plan for senior citizens and the Dengue Kavach plan, which covers the treatment cost of dengue fever. The company's Mediclaim Insurance plan covers individuals for medical expenses incurred due to injuries or illnesses, and the Super Health Top-Up plan provides additional coverage over the base policy.
Oriental Insurance has received positive reviews for its health insurance plans, with customers highlighting the nice features, customization options, and impressive service provided by the company. The company's competitive premiums and strong hospital network across India also contribute to its reputation as a leading insurance provider.
FSA Contributions: Medical Insurance Necessity or Not?
You may want to see also
Frequently asked questions
Oriental Medical Insurance offers a wide range of health insurance policies suited for individuals, families, and senior citizens. Its offerings include basic plans like Individual Mediclaim as well as specialized plans such as Happy Family Floater and Oriental Senior Citizen Mediclaim. The company has a decent network of cashless hospitals, which can be easily located from its official website. Oriental also provides coverage for medical costs related to any mental illness issue and voluntary co-payment.
To claim Oriental Health Insurance, notify the insurer within the specified time, complete a claim form, submit necessary documents like medical bills and discharge summary, and follow up for settlement. Cashless claims are available at network hospitals. To register a claim with Oriental Health Insurance plans, policyholders should visit the company's website and log in using their unique user ID and password.
The waiting period for Oriental Health Insurance typically ranges from 30 days for new policies, with 2-4 years for pre-existing diseases, depending on the plan chosen.
