What is Oriental Health Insurance?

Oriental Health Insurance is a policy that helps you pay hospital bills, medical costs, and other health-related expenses when you or your family fall sick.

Who can buy Oriental Health Insurance?

Anyone between 18 and 65 years old can buy most Oriental Health Insurance plans. Some plans also cover children and senior citizens.

Does Oriental Health Insurance cover my whole family?

Yes, you can take a family floater plan that covers your spouse, kids, and sometimes even parents under one policy.

What types of Oriental Health Insurance plans are available?

They offer plans for families, individuals, senior citizens, and even for specific illnesses like cancer or heart disease.

How much coverage can I get in Oriental Health Insurance?

You can choose from ₹1 lakh to ₹30 lakh or more, depending on the plan you pick.

Does Oriental Health Insurance offer cashless treatment?

Yes. You can get cashless treatment at any of Oriental’s network hospitals across India. You don’t need to pay upfront there.

What if I go to a non-network hospital?

You can still get treated. Just pay the bills first and then apply for reimbursement with all your documents.

How do I make a claim in Oriental Health Insurance?

Cashless Claim:Go to a network hospital, show your policy and ID, fill a form, and the hospital bills are paid by Oriental.Reimbursement Claim:Go to any hospital, pay the bills yourself, keep all receipts and reports, send them to Oriental, and get the money back.

Are pre-existing diseases covered under Oriental Health Insurance?

Yes, but there might be a waiting period.

Does Oriental Health Insurance cover ambulance charges?

Yes, most plans cover ambulance expenses to take you to the hospital in an emergency, up to the limit mentioned in your policy.

What documents are needed to buy Oriental Health Insurance?

You’ll need ID proof, address proof, age proof, a photo, and sometimes basic medical reports.

Can I renew my Oriental Health Insurance online?

Yes, renewal can be done online.

What is the claim settlement ratio of Oriental Health Insurance?

Oriental has a good claim settlement record (95.45 %), meaning they settle most valid claims quickly and fairly.

Does Oriental Health Insurance cover maternity expenses?

Some plans offer maternity and newborn baby cover. You should check the policy details before buying.

Is there a waiting period for new policies?

Yes, usually there’s a 30-day waiting period from the start date, except for accidents.

Can I increase my sum insured later in Oriental Health Insurance?

Yes, you can increase it at the time of renewal, depending on your health and policy terms.

What is a No Claim Bonus in Oriental Health Insurance?

If you don’t make any claims during the year, your sum insured increases by a small percentage as a reward.

Are AYUSH treatments covered under Oriental Health Insurance?

Yes, AYUSH treatment is covered under certain conditions.

What should I do if I lose my policy document?

You can contact the customer support team of OneAssure or the Insurer.

Why should I choose Oriental Health Insurance?

Oriental is a trusted government-backed company with affordable plans, a wide hospital network, and simple claim processes.

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Oriental

Health Insurance Plans

Oriental Health Insurance Plans

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95.49%

Claim Settlement Ratio

4,500+

Network Hospitals

5.8

Overall Rating

Oriental

Our Verdict About Oriental Health Insurance

Oriental Health Insurance is a government-backed insurer known for its affordable plans and dependable service.

What We Like

Wide range of plans catering to diverse healthcare needs.

Affordable premium options for individuals and families.

High claim settlement ratio of 95.49%.

4,500+ network hospitals offering cashless treatment.

Supported by the Government of India for reliability and trust.

Areas of Improvement

Product information and digital updates can be improved.

Customer support quality varies by branch.

Some plans have sub-limits on treatments and room rent.

Limited global or high-end coverage options.

Online policy management and claim process could be more user-friendly.

What We Like

Wide range of plans catering to diverse healthcare needs.

Affordable premium options for individuals and families.

High claim settlement ratio of 95.49%.

4,500+ network hospitals offering cashless treatment.

Supported by the Government of India for reliability and trust.

Areas of Improvement

Product information and digital updates can be improved.

Customer support quality varies by branch.

Some plans have sub-limits on treatments and room rent.

Limited global or high-end coverage options.

Online policy management and claim process could be more user-friendly.

Final Verdict

When it comes to health insurance, Oriental is among the popular choices in India. People trust them for their genuine services and affordable pricing. The company is backed by the government and offers a wide range of services in the insurance sector. With more than 4500 network hospitals and a...

When it comes to health insurance, Oriental is among the popular choices in India. People trust them for their genuine services and affordable pricing. The company is backed by the government and offers a wide...

Oriental

Customer Testimonials

Real experiences from our valued customers who have chosen our insurance coverage.

Have been associated with Ruchir and his team… They have provided me excellent guidance in choosing the right plans for myself and my family……always been available to assist with any insurance/claim queries.

Nakul N

I want to sincerely thank Sunad for being there for me throughout the entire claim process. He helped me through so many ups and downs, always patient and ready to support when things got tough. I honestly don’t know how I would have managed without his guidance and encouragement. Sunad made a difficult situation feel a lot less stressful, and I’m truly grateful for his kindness and steadfast help.

Prashant Pandey

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.

Jatin Gala

Have been associated with Ruchir and his team… They have provided me excellent guidance in choosing the right plans for myself and my family……always been available to assist with any insurance/claim queries.

Nakul N

I want to sincerely thank Sunad for being there for me throughout the entire claim process. He helped me through so many ups and downs, always patient and ready to support when things got tough. I honestly don’t know how I would have managed without his guidance and encouragement. Sunad made a difficult situation feel a lot less stressful, and I’m truly grateful for his kindness and steadfast help.

Prashant Pandey

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.

Jatin Gala

My heartfelt thanks to the OneAssure team for making my insurance claim process effortless. Right from the very first interaction, they demonstrated professionalism, clear communication, and an impressive command of the procedures involved. Their swift updates, timely guidance, and persistent follow-through removed all the stress from what could have been a complicated experience.

Anju Renjith

I am truly grateful for the support and guidance I received in settling my insurance claim. The entire process was handled with great professionalism, clarity, and efficiency. Their prompt response, deep knowledge of the procedures, and consistent follow-ups ensured a smooth and hassle-free experience.Thank you once again for your invaluable help, highly recommended!

Yogesh Meena

I recently had the pleasure of purchasing health insurance for my parents through this company, and my experience has been exceptional...The team was incredibly patient and took the time to explain every detail to me. No matter how many times I asked questions, they were always calm and thorough in their explanations. Their professionalism and dedication made a significant difference in helping me make an informed decision.

Akash Kumar

OneAssure helped me understand my needs and choose a product that was right for me. There was no pressure tactics or mis-selling. This experience was respectful, informed, and completely stress-free.

Shreya Goyal

Had a great experience with OneAssure during my insurance claim process. A special shoutout to Sunad Raj for his exceptional support, he was professional, responsive, and guided me every step of the way. Thanks to his consistent follow-ups and clear guidance, the entire claim settlement was smooth and hassle-free. Highly recommend OneAssure for their service and transparency!

Sanjay Dakalia

The team is very professional and prompt. I would have all my health and life insurance needs met through them.

Harish Jindal

Very professional service from Ruchir & Aman. They were recommended by a friend who had a positive experience with them. I have taken both health and life policies through them and they have advised me well throughout the process and found the best options available in the market. I had a medical condition due to which it was difficult to find a suitable health policy in the market, however this team was able to find one for me. I would recommend their services to anyone looking to buy health or life insurance.

Siddhartha Saha

Wonderful experience with Prost. Right from suggesting the insurance products to claim process the entire experience hai been seamless. They do not mis-sell and are very transparent. Sundar Raj from the team has been wonderful and ensured prompt guidance. All the best Ruchir and keep up the good work!

Adarsh Ravindranathan

Why Choose Oriental Health Insurance Plans?

Comprehensive Coverage

Offers wide protection for hospitalization, day-care, pre/post-hospitalization, and domiciliary treatments.

Strong Claim Support

Backed by a reliable claim process and a large network of hospitals across India.

Flexible Plan Options

Suitable for individuals, families, and senior citizens with customizable sum insured options.

Extra Wellness Benefits

Includes AYUSH coverage, modern treatments, and free health check-ups in select plans.

Comprehensive Coverage

Offers wide protection for hospitalization, day-care, pre/post-hospitalization, and domiciliary treatments.

Strong Claim Support

Backed by a reliable claim process and a large network of hospitals across India.

Flexible Plan Options

Suitable for individuals, families, and senior citizens with customizable sum insured options.

Extra Wellness Benefits

Includes AYUSH coverage, modern treatments, and free health check-ups in select plans.

Documents Required

Identity Proof

You can provide your Aadhaar Card, PAN Card, or Passport to confirm who you are.

Address Proof

You can use a Utility Bill (like an electricity or water bill) or your Voter ID to show your address.

Age Proof

Your Birth Certificate or Driving License can be used to verify your age.

Photograph

A recent passport-size photo is required for your policy records.

Income Proof (if needed)

In some cases, Oriental Insurance may ask for income proof, especially for higher coverage plans.

Identity Proof

You can provide your Aadhaar Card, PAN Card, or Passport to confirm who you are.

Address Proof

You can use a Utility Bill (like an electricity or water bill) or your Voter ID to show your address.

Age Proof

Your Birth Certificate or Driving License can be used to verify your age.

Photograph

A recent passport-size photo is required for your policy records.

Income Proof (if needed)

In some cases, Oriental Insurance may ask for income proof, especially for higher coverage plans.

Oriental

Claim Settlement Process

Quick and hassle-free claim settlement with dedicated support to ensure timely approvals and smooth hospital experiences

1-5 of 6 Process

Oriental Network Hospitals

4,500+

Network hospitals across the country for cashless treatment

700+

Cities covered nationwide for easy access to quality healthcare

700+

States and union territories ensuring comprehensive coverage

4,500+

Network hospitals across the country for cashless treatment

700+

Cities covered nationwide for easy access to quality healthcare

700+

States and union territories ensuring comprehensive coverage

Oriental

Features Comparison

Senior Citizen Health Plan

Secure against age-related medical costs
Tailored for seniors healthcare needs

Family Health Plan

One policy covers the entire family
High sum insured with cashless care
Multiple coverage options based on your family needs

Maternity Health Plan

Covers delivery, newborn care, and maternity expenses
Reduces financial stress of childbirth costs

Senior Citizen Health Plan

Secure against age-related medical costs
Tailored for seniors healthcare needs

Family Health Plan

One policy covers the entire family
High sum insured with cashless care
Multiple coverage options based on your family needs

Maternity Health Plan

Covers delivery, newborn care, and maternity expenses
Reduces financial stress of childbirth costs

Oriental

Need help finding the right health plan?

Our experts offer personalised recommendations tailored to your age, family size, and health profile, ensuring you select the ideal coverage

FAQs

Frequently Asked Questions

Got questions about health insurance? You’re not alone. Here are some of the most commonly asked questions to help you understand plans, coverage, claims, and benefits better.