Oriental Health Insurance Review

Oriental Health Insurance Review

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Oriental Health Insurance Review

Oriental Health Insurance Review is the article to guide you about the exciting features of Oriental Health Insurance, Types of policy given by Oriental Health Insurance, Oriental Health Insurance Review, Oriental Health Insurance Complaints file by the customer, and one of the best policy of OICL is Oriental Health Insurance Gold Plan, Claim filing, and Renewal of Policy.

Oriental health insurance plans can be selected for individuals and a whole family. They offer health plans that are favorable to the customer’s choice. Policyholders have many offers and extra advantages of availing.

Oriental insurance company limited was originated in the Bombay on 12 September 1947. The corporate Oriental government security life assurance company limited was a wholly-owned subsidiary formed to cover the general insurance business.

Features of Oriental Health Insurance are:

Network hospital                                                                  4300+

The waiting period of  pre-existing disease             4 years

Claimed proportion:                                                            85.39%

Oriental health insurance
complaints file settlement                                                 73.83%

Discount                                                                                     10-20%

Pre-policy medical                                                            Not essential

Check-up for below                                                                  55 years.

Types of policies given by Oriental Health Insurance:

  • Individual Mediclaim Policy
  • Happy Family Floater Policy
  • For OBC account-holders Oriental Mediclaim Policy
  • For PNB account-holders Royal Mediclaim Policy
  • Jan Arogya Bima Plan
  • Nagrik Suraksha Policy
  • Janata Personal Accident Policy
  • Oriental HOPE (Health Of Privileged Elders)

Oriental Health Insurance review of policies:

1. Individual Mediclaim Policy

  • Some basic features are: It covers two sums insured first, Rs. 50,000-2 Lakhs, after increments of
    Rs. 25,000. Second, Rs. 2 Lakhs-5 Lakhs after increments of Rs. 50,000.
  • A pre-medical check-up is required after the age of 45 years.
  • The pre-existing diseases waiting period is 4 years.
  • Pre and Post hospitalization is up to 30 days and up to 60 days respectively.

2. Happy Family Floater policy

HFF policy comes with three categories are:

  1.   Oriental Health Insurance Silver Plan
  2.   Oriental Health Insurance Gold Plan
  3.   Oriental Health Insurance Diamond Plan

      Some basic features are:

  • It provides a sum insured under health protection.
  • The sum insured is valid for all the benefits under the policy.
  • Below age group, 60 years have not required any pre-health medical check-up
  • Two options:

Cover under silver and gold cover.

There is an offer of insurance in silver slabs ranging from 1 to 5 lakhs.

Under silver: 10% payment.

Gold has offered the sum of insurance in the scheme lab of Rs  6 to 10 lakhs.

In addition, the gold cover also offers hardship survival benefits.

  • It provides the benefit of Rs. 500 each day of hospitalization.

3. OBC account-holders Oriental Mediclaim Policy

Some basic feature is:

  • It gives a sum assured between Rs.1-5 Lakhs the amount should be in multiple of Lakhs.
  • Pre-existing diseases waiting period of 3 years.
  • Daily cash Rs.1000 allowance for a hospital stay.
  • Pre and Post hospitalization is up to 30 days and up to 60 days respectively.

4. PNB account-holders Royal Mediclaim Policy

      Some basic feature are:

  • Entry age 79 years.
  • Pre-existing diseases waiting period is 3 years.
  • Pre and Post hospitalization is up to 30 days and up to 60 days respectively.

5. Jan Arogya Bima Plan

      Some basic features are:

  • Entry age 3 months-70 years.
  • The sum insured is Rs. 5,000 p.a
  • Pre and Post hospitalization is up to 30 days and up to 60 days respectively.

6. Nagrik Suraksha Policy

      Some basic features are:

  • Entry age:
  • For the family: 5-70 years
  •  Individual:  18-70 years
  • The sum insured is Rs. 1-5 Lakhs.

7. Janata Personal Accident Policy

       Some basic features are:

  • Entry age 10-80 years.
  • The sum insured is Rs. 25,000-5 Lakhs.

8. Oriental HOPE (Health of Privileged Elders)

       Some basic features are:

  • Only individuals can cover in this policy of 60 years or above age.
  • The sum insured is Rs.1-5 Lakhs.
Oriental Health Insurance Complaints File:

Oriental Health Insurance review plays an important role in buying any insurance policy. If a person doesn’t see reviews and complaints file. Then, in this case, an insurer will face lots of problems after buying insurance from a poor review company.

Toll-free customer care number of OICL:   1800118485.

Paid line customer care number of OICL:   011-33208485.

Claim filing with Oriental Health Insurance:

Cashless Claim: To take a benefit of the cashless facility at a network hospital of Oriental health, the insured member will have to obtain approval from an administrator of the third party of the insurer. Hospital will submit a pre-authorization request to TPA. In case of approval, the insured member will be granted cashless treatment, and the medical bills directly settled with the hospital.

Claim Reimbursement: Insured member has to submit a duly filled claim form to the insured within 15 days from the date of discharge with original medical documents. Insured will accept or reject claims reimbursed as per policy terms & conditions.

Renewal of Oriental Health Insurance:
  1. The first and basic step for renewal of policy is to go to the official website of OICL, press the ‘Renew’ icon.
  2. The next page will be open in which you need to fill your policy details, personal information, and premium calculation.
  3. After filling your basic details about the policy, you may see the payment option you can easily pay your renewal premium by debit, credit card, Paytm, or net-banking.
  4. At the last, successfully completion of these steps save the receipt of confirmation online.
Conclusion

In the above article, you may easily understand all about Oriental Health Insurance Plan. How to renew the policy, How to File a Claim, Types, and so on. But one basic and foremost important thing you must always keep in your mind is that checking the Oriental Health Insurance review, Oriental Health Insurance Complaints file, and how many complaints have been settled list, and at the last, read all terms and conditions carefully.

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