Oriental Health Insurance: Comprehensive Coverage & Benefits Explained

Health insurance is an essential financial safety net that protects individuals and families from unexpected medical expenses. Among the many providers in India, Oriental Health Insurance stands out for its extensive coverage, affordable premiums, and customer-friendly policies. Whether you are looking for individual health insurance, family floater plans, or specialized senior citizen coverage, Oriental Health Insurance offers a range of options tailored to different needs.

In this blog post, we will explore the comprehensive coverage and benefits of Oriental Health Insurance, helping you understand why it could be the right choice for you.

Key Features of Oriental Health Insurance

Oriental Health Insurance is known for offering a wide range of health insurance plans that cater to individuals, families, and senior citizens. Some of the standout features include:

Extensive Network of Cashless Hospitals across India.

Comprehensive Coverage for hospitalization, surgeries, pre- and post-hospitalization expenses.

Affordable Premiums with flexible sum insured options.

No Medical Tests for Certain Age Groups, making it easier to obtain coverage.

Pre-Existing Disease Coverage after the specified waiting period.

Lifetime Renewability, ensuring continued protection.

Types of Oriental Health Insurance Plans

Oriental Health Insurance provides a variety of plans, catering to different health and financial needs. Here are some of the most popular plans:

1. Individual Health Insurance

Covers hospitalization expenses for a single individual.

Ideal for self-employed professionals and individuals who do not have employer-provided health insurance.

Covers in-patient hospitalization, daycare procedures, and ambulance charges.

2. Family Floater Health Insurance

A single policy that covers the entire family, including spouse, children, and dependent parents.

Sum insured is shared among family members, making it cost-effective.

Covers hospitalization, surgeries, and emergency treatments.

3. Senior Citizen Health Insurance

Designed specifically for individuals above 60 years of age.

Covers pre-existing diseases after a waiting period.

Includes coverage for critical illnesses, surgeries, and domiciliary hospitalization.

4. Critical Illness Health Insurance

Provides a lump sum payout upon diagnosis of a listed critical illness such as cancer, heart attack, or stroke.

Helps in covering expensive medical treatments that are not usually included in standard policies.

Ideal for individuals with a family history of critical illnesses.

5. Top-Up & Super Top-Up Health Insurance

Best suited for individuals who already have basic health insurance but need additional coverage.

Kicks in when medical expenses exceed the deductible limit.

More affordable than increasing the sum insured in a primary policy.

Comprehensive Coverage Offered

Oriental Health Insurance policies provide holistic coverage that extends beyond basic hospitalization. Here’s what you can expect:

1. In-Patient Hospitalization Coverage

Covers expenses incurred during hospitalization due to illness or injury.

Includes room rent, ICU charges, doctor’s fees, and surgery costs.

2. Pre- & Post-Hospitalization Expenses

Covers medical expenses before hospitalization (diagnostic tests, doctor consultations, etc.).

Covers expenses after discharge, including follow-up treatments and medications.

3. Daycare Procedures

Covers medical procedures that do not require 24-hour hospitalization, such as cataract surgery, chemotherapy, and dialysis.

4. Ambulance Charges

Covers the cost of transportation to the hospital in case of a medical emergency.

5. Domiciliary Treatment

Covers home-based medical treatment if hospitalization is not feasible due to medical conditions or bed unavailability.

6. Alternative Treatment (AYUSH Coverage)

Covers expenses for Ayurveda, Yoga, Unani, Siddha, and Homeopathy (AYUSH) treatments under selected policies.

7. Pre-Existing Disease Coverage

Covers pre-existing diseases after a waiting period of 2 to 4 years, depending on the policy.

8. Maternity & Newborn Cover (Available in select policies)

Covers expenses related to pregnancy, childbirth, and post-natal care.

Also includes coverage for newborns from birth up to a specified period.

9. No-Claim Bonus (NCB)

Offers a discount on renewal premium or an increase in sum insured for every claim-free year.

Exclusions: What is Not Covered?

While Oriental Health Insurance offers extensive coverage, there are certain exclusions to keep in mind:

Cosmetic and aesthetic treatments (plastic surgery, Botox, etc.)

Pre-existing diseases during the waiting period

Self-inflicted injuries and substance abuse-related illnesses

Infertility treatments and experimental treatments

Medical expenses related to war, nuclear radiation, or terrorism

Why Choose Oriental Health Insurance?

Oriental Health Insurance has been a trusted name in the Indian insurance industry for decades. Here’s why you should consider it:

✔ Wide Network of Cashless Hospitals – Easy access to quality healthcare across India.

✔ Affordable Premiums – Competitive pricing compared to private insurers.

✔ Comprehensive Coverage – Extensive protection for individuals, families, and senior citizens.

✔ Hassle-Free Claim Settlement – A high claim settlement ratio ensures smooth reimbursements.

✔ Flexible Sum Insured Options – Choose a plan that suits your budget and requirements.

How to Buy Oriental Health Insurance Online

Buying Oriental Health Insurance online is simple and hassle-free. Follow these steps:

Visit Quickinsure – Go to Quickinsure’s website.

Compare Plans – Choose a policy based on coverage, premium, and benefits.

Fill in Details – Enter personal details and medical history.

Make Payment – Complete the transaction through a secure payment gateway.

Receive Policy Document – Instantly receive your policy details via email.

Conclusion

Oriental Health Insurance is an excellent choice for individuals and families looking for comprehensive health coverage at affordable rates. With diverse policy options, extensive benefits, and a seamless claims process, it provides peace of mind in times of medical emergencies.

If you’re considering purchasing a health insurance policy, compare and buy the best Oriental Health Insurance plans at Quickinsure today!