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Oriental Health Insurance

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95.49%

Claim Settlement Ratio

4,500+

Network Hospitals

2.3

Overall Rating

Oriental Health Insurance

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.

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...

Oriental Health Insurance

About Oriental Health Insurance

Oriental Insurance Company started in 1947 in Mumbai. It began as a small insurance provider and grew steadily over the years. Today, it is one of India’s leading public-sector general insurance companies. The company offers...

Oriental Health Insurance

Oriental Health Insurance Rating

Overall Rating

2.3

out of 10

Solvency

-1.8/4

ICR

1.6/3

Growth

2.5/3

Performance Index

Gross Direct Premium

Oriental Health Insurance

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Industry Average

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Oriental Health Insurance

Industry Average

Performance Index

ICR%

Oriental Health Insurance

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Industry Average

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Oriental Health Insurance

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Oriental Health Insurance

Customer Testimonials

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

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

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

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

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

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

Oriental Health Insurance

Pros and Cons

Pros

  • No pre-policy medical check-up required for most plans

  • Free annual health check-up facilities available

  • Responsive and helpful customer support team

  • Premiums eligible for tax deduction under Section 80D

Cons

  • Claim settlement process can be time-consuming

  • Limited digital and app-based services

  • Fewer wellness or modern coverage options

  • Smaller hospital network compared to leading private insurers

  • Some plans have sub-limits on room rent and specific treatments

Oriental Health Insurance

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

Oriental Health Insurance Types

Senior Citizen Health Insurance

Specially designed for people above 60, it helps manage hospital bills, medicines, and medical tests.

Critical Illness Insurance

This plan gives a lump sum payout if you’re diagnosed with major illnesses like cancer or stroke.

Top-Up & Super Top-Up Plans

These plans boost your existing health cover at a low cost once your base limit ends.

Maternity and Newborn Plans

They cover pregnancy-related expenses, delivery costs, and medical care for both mother and newborn baby.

Personal Accident Insurance

This plan offers financial support in case of accidental death or disability, protecting your loved ones.

Family Health Insurance

This plan covers your whole family under a single policy, handling hospital and treatment expenses together.

Individual Health Insurance

It provides full medical protection for one person, covering hospitalisation, medicines, doctor visits, and surgeries.

Overseas Mediclaim Policy

It covers medical emergencies during foreign travel, including hospitalisation, evacuation, and loss of passport or baggage.

Group Health Insurance

This policy provides collective health coverage for employees, ensuring affordable and easy medical protection at work.

Disease-Specific Health Plans

These plans offer focused protection for particular illnesses like diabetes or heart disease, with tailored benefits.

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.

Oriental Health Insurance

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 Health Insurance

Renewal Process

Easily renew your policy online or offline to enjoy uninterrupted health coverage

Oriental Health Insurance 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

Oriental Health Insurance

Features Comparison

Senior Citizen Health Plan

Senior Citizen Health Plan

  • Secure against age-related medical costs

  • Tailored for seniors healthcare needs

Most Popular

Family Health Plan

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

Maternity Health Plan

  • Covers delivery, newborn care, and maternity expenses

  • Reduces financial stress of childbirth costs

Oriental Health Insurance

How to Buy Oriental Health Insurance ?

Follow these simple steps to purchase your Oriental Health Insurance health insurance policy and secure comprehensive coverage for you and your family.

Things to Remember

    Oriental Health Insurance

    Still Confused? Get Expert Guidance

    Our insurance experts can help you compare plans and find the best coverage for your needs

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    Frequently Asked Questions

    Get answers to common questions about our insurance policies and services.

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