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Most Popular Policies of Oriental Insurance

  • Oriental Individual Mediclaim Policy
    Oriental Individual Mediclaim Policy offers coverage to individual policyholders for hospitalization and domiciliary treatments for sudden ailments, surgeries and injuries due to accidents.
    Key features of Oriental Individual Mediclaim Policy
    • One can take this Policy for himself and or for his family members
    • There is 10% discount in premium if family members are covered
    • Domiciliary treatment and Day care procedures are covered under the plan
    • Application for people up to 80 years
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  • Oriental Insurance Happy Family Floater plan
    This family floater plan covers the proposer and his/her family members like spouse, children, parents and parents-in-law.
    Key features of Oriental Insurance Happy Family Floater plan
    • Applicants don't have to undergo pre-policy medical check-ups up to 60 years
    • The Gold variant of the plan offers attendant allowance and daily cash allowance
    • Proposers can choose between TPA and non TPA services.
    • 5% discount on premium if proposers' don't opt for TPA services
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Oriental Insurance Senior Citizen HOPE

The senior citizen health policy offered by Oriental Insurance is called HOPE. Ever since the plan made its appearance in the market, it has become highly sought-after due to its beneficial features.

Duration and Sum Insured Option for Oriental Insurance HOPE

Sum Insured options Policy available for HOPE policy are 1 lakh, 2 lakhs, 3 lakhs, 4 lakhs and 5 lakhs. The policy is issued for one year.

Premium Rate of HOPE Policy for Various Age-Groups and Sum Insured Options

Age – Groups Sum Insured Sum Insured Sum Insured Sum Insured Sum Insured
Rs. 1 Lakh Rs. 2 Lakhs Rs. 3 Lakhs Rs. 4 Lakhs Rs. 5 Lakhs
61-65 Rs. 4500 Rs. 8700 Rs. 12400 Rs. 16100 Rs. 19700
66 – 70 Rs. 4800 Rs. 9100 Rs. 13100 Rs. 16900 Rs. 20700
71 – 75 Rs. 5700 Rs. 11,400 Rs. 16300 Rs. 21500 Rs. 26100
76 – 80 Rs. 6100 Rs. 12000 Rs. 17100 Rs. 22700 Rs. 27600
Above 80 Rs. 6400 Rs. 12600 Rs. 18100 Rs. 23800 Rs. 29000

Coverage of Oriental Insurance HOPE

  • All types of hospital expenses are covered. Some of the expenses include, room, nursing and boarding (1% of Sum Insured) ICU (1% of Sum Insured), surgeon, blood, oxygen, dialysis, chemotherapy and prosthetic devices.
  • Ambulance expenses are covered (The lesser amount between Rs 1000 and actual expense)
  • Cost of domiciliary hospitalization is covered
  • Specified diseases are covered

Name and Payable Amount for Specified Diseases

Name of the disease Payable % of Sum Insured
Accidental Injury 100.00%
Hepato- Biliary Disorders 50.00%
Chronic Renal Failure 50.00%
Cancer 50.00%
Cardio Vascular Diseases 50.00%
Knee Replacement 70.00%
Stroke 20.00%
Chronic Obstructive Lung Diseases 20.00%
Orthopedic Diseases 15.00%
Benign Prostrate 15.00%
Opthalmic Disease 15.00%

Special Features of HOPE Policy

  • Premium discount is available for each claim-free year
  • Coverage available for Ayurvedic, Unani and Homeopathic treatment
  • Extension of continuity benefit if insured with any other Oriental health insurance policy
  • Premium discount is available if opted for voluntary co-pay
  • Cashless facility is available only through TPA and up to a maximum of Rs. 1 lakh

Discount for Opting for Voluntary Co-Payment

Amount of Co-Pay Available discount
10.00% 10.00%
20.00% 20.00%
30.00% 30.00%
40.00% 40.00%
50% and above 50.00%

Major Exclusions of HOPE Policy

  • Pre and post hospitalization expenses are not covered
  • Coverage is available only for specified disease
  • Loading on premium is applicable for new applicants
  • Pre-existing diseases are not covered in first 2 years